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Conditions Apply. See the application for complete details.
Exclusive welcome offer: Get up to $1,700 in value, including up to 115,000 points, the Mastercard Travel Pass program and 4 complimentary airport lounge passes, a statement credit for NEXUS and the annual fee waived in the first year for the primary cardholder and authorized users*.
Additionally, enjoy a 0% introductory interest rate on balance transfers for 12 months as well as a 2% balance transfer fee.*
*Terms and conditions apply
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
Get 12% cash back for the first 3 months on up to $2,000 in total purchases^.
Apply by September 9, 2026.
^ This offer applies only to new RBC Cash Back Preferred World Elite Mastercard credit card applications received between May 28, 2026, and September 9, 2026 (« Offer Period ») and approved by Royal Bank of Canada (« Royal Bank ») subject to the conditions below. Additional cardholders (co-applicants and authorized users) on the RBC Cash Back Preferred World Elite Mastercard credit card account, as well as individuals who are already RBC Royal Bank personal credit card account holders and transfer to an RBC Cash Back Preferred World Elite Mastercard credit card during the Offer Period, are not eligible for this offer.
You will earn a total cash back credit of 12% on net purchases (« Welcome Bonus ») charged to your RBC Cash Back Preferred World Elite Mastercard during the first three months following your account opening date (« Period »), up to a maximum total of $2,000 in purchases. Once you have reached $2,000 or three months have passed since your account opening, the standard accumulation rate applicable to your credit card type will apply. Specifically, the 12% cash back includes the standard accumulation rate applicable to your card type and is not in addition to your standard accumulation rate. Cash back is awarded on net purchases only. It is not awarded on cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized debits set up with a merchant), interest charges, or other fees. Credits for returns and adjustments will reduce or cancel the cash back earned on the amount originally charged to the card. The Welcome Bonus will be credited to your Cash Back account four to six weeks after the statement date of the Period, provided your credit card account is open and in good standing at the time of the credit, « in good standing » meaning that the account must not be more than two (2) consecutive statement periods past due, closed, or written off, and that credit must not have been revoked at that time.
If you close your RBC Cash Back Preferred World Elite Mastercard credit card or replace it with another type of RBC Royal Bank credit card before the Welcome Bonus has been credited to your account, you may no longer be eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify, or revoke this offer at any time and without notice, even if your application has already been approved, particularly if we have reason to believe you are manipulating or abusing the process, or engaging in suspicious or fraudulent activities, as determined by Royal Bank at its sole discretion. For full details on the RBC Cash Back program, including standard earn rates and cash back credits, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms. This offer is valid for new RBC Cash Back Mastercard accounts only.
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner(s).
Get up to 7% cash back for the first three months, on up to $1,000 in purchases^.
^ This offer applies only to new RBC Cash Back Mastercard credit card applications received between May 28, 2026, and September 9, 2026 (« Offer Period ») and approved by Royal Bank of Canada (« Royal Bank ») subject to the terms and conditions below. Additional cardholders (co-applicants and authorized users) on the RBC Cash Back Mastercard credit card account, as well as individuals who already hold a personal RBC Royal Bank credit card account and transfer to an RBC Cash Back Mastercard credit card during the Offer Period, are not eligible for this offer.
You will receive an additional $5 rebate for every $100 (5% cash back credits) in net purchases (including pre-authorized bill payments) charged to your RBC Cash Back Mastercard account during the first three months following account opening (« period »), up to a maximum total of $1,000 in purchases (« welcome bonus »). Once you have reached $1,000 or three months have elapsed since your account opening, the standard earning rate applicable to your credit card type will apply. The welcome bonus is in addition to the standard cash back credit earning rates. Cash back credits do not apply to cash advances (nor to balance transfers, cash-like transactions, and bill payments other than pre-authorized payments established with a merchant), interest, or fees. Credits for returns and adjustments will reduce or cancel the cash back credit earned on the amount originally charged to the card. The Welcome Bonus will be credited to your Cash Back account four to six weeks after the statement date of the Period, provided your credit card account is open and in good standing at the time of the credit, « in good standing » meaning that the account must not be more than two (2) consecutive statement periods past due, closed, or written off, and that credit must not have been revoked at that time.
If you close or change your RBC Cash Back Mastercard credit card for another type of RBC Royal Bank credit card before the Welcome Bonus has been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify, or revoke this offer at any time without notice, even if your application has already been approved, particularly if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activities, as determined by Royal Bank in its sole discretion. For full details on the RBC Cash Back program, including standard accumulation rates, cash back credits, and definitions of terms, please refer to the RBC Cash Back program terms and conditions at www.rbc.com/cashbackterms. This offer is valid for new RBC Cash Back Mastercard accounts only. ® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner(s).
*Conditions apply.
† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.
Earn up to $600* in value for the first year.
Earn a 30,000 Scene+® Points Welcome Bonus with the Tangerine ® Rewards World Elite®* Mastercard®*. Apply today and start earning up to $600 in value* from Day 1, including:
Earn 1.5X Scene+ Points in 3 Accelerator Categories. Choose from 13 Categories and you can even switch them every 90 days.* Plus, get 1 Scene+ point per $1 spent on everything else.*
Total of 13 Reward Categories:
The Mastercard Collection — Globally connected access to premium dining, entertainment and travel benefits*
Transfer and save During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.* Conditions Apply.
Spend confidently with the Tangerine® Rewards World Elite Mastercard®*. Have peace of mind knowing you’re covered with Purchase Assurance and Extended Warranty5 of up to $60,000 (lifetime maximum).
Welcome Offer and Renewal
Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.
Welcome Bonus — up to 20,000 MileagePlus miles
Renewal bonus
Mile Earn Rates
Benefits of the card
World Elite Mastercard Benefits
Insurance
Chubb travel insurance is not offered in Quebec.
Maximize your travel: earn more miles on every flight
When you book a United flight, you earn miles as a MileagePlus member—but as a cardholder, you earn even more. You receive the miles awarded by United for your flight, plus the miles you earn by paying with your card.
Your earnings add up, allowing you to build your miles balance significantly faster than non-cardholders each time you travel.
Get more value from your miles
As a United cardholder, your miles are worth more—and give you access to more options.
You automatically receive at least a 10% discount on award flights (and 15% if you hold Premier status), allowing you to use fewer miles for the same trip.
In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris® business class, which are not always available to non-cardholders.
In practical terms, this means:
Conditions Apply. Conditions apply. Limited one-time offer for new customers who have not opened a United Neo World Elite Mastercard before the date of application approval. Must (1) be the age of majority in your province or territory of residence; (2) be a Canadian resident; (3) have annual personal income of $80,000 CAD or annual household income of $150,000 CAD; and (4) for secured cards only, provide security funds. Initial 5,000 MileagePlus miles are issued once the card is activated. To earn additional 15,000 MileagePlus miles, minimum spend of $3,000 net of refunds must be completed within 3 months from application start date. Additional MileagePlus miles are issued 6–8 weeks after the qualifying spend period. MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to MileagePlus® terms and conditions. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Neo Financial™ and United MileagePlus® reserve the right to amend or withdraw this offer at any time. Neo Financial™ and United MileagePlus reserve the right to modify or withdraw this offer at any time.
Welcome Offer: Join and get up to $200 in value† with no annual fee.†
Here’s how it adds up:
How do Adapta points work?
Each month, you’ll automatically earn:
What are Adapta points worth?
Get a free Skip+ membership when you link your eligible CIBC credit card
Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.†
Fuel up for less
Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Adapta card within the last 12 months.† †Terms and Conditions Apply. Select Apply Now to learn more.
Get 35,000 welcome WestJet points upon first purchase - $350 in WestJet travel savings*
Fastest Way to Earn WestJet Points
Combine WestJet Points
Redeem WestJet Points
Enjoy airport lounges worldwide
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
* To benefit from this offer and receive 35,000 welcome WestJet points upon your first purchase (‘Welcome WestJet Points’), your application must be received and approved by Royal Bank of Canada (‘Royal Bank’). The Welcome WestJet Points will appear on your monthly credit card statement and in your WestJet Rewards account, accessible at westjet.com/account, approximately 90 days after your first purchase transaction date, provided that your WestJet RBC World Elite Mastercard for Business credit card account (‘Credit Card Account’) remains open and in good standing at that time, ‘good standing’ meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged-off or in credit revoked status at that time. Only the primary business cardholder on the Credit Card Account is eligible for the Welcome WestJet Points; secondary business cardholders are not eligible for this offer. To receive the Welcome WestJet Points, the primary business cardholder must make at least one (1) purchase; a purchase made by any secondary business cardholder will not count as the ‘first purchase’. If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet Points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.
Savings this way:
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