Network: Mastercard

Special offer:

• Enter the code MILESOPEDIA when you apply for your card
• Earn a $20 cash bonus when you sign up for a KOHO account with our link and make your first purchase within 30 days of registration

Features:

• Get 1% cash back on groceries, meals, drinks and transportation
• Accepted at Costco
• Get 2% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $4 per month billed monthly or $48 per year billed annually
• Access all KOHO account features such as Safe, Goals and Rounding Amounts
• Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

Accelerate rewards points on common purchases!

• Earn 4 points†† per dollar spent on all eligible restaurant or grocery purchases, digital media, subscriptions, and household utilities during the first 90 days, and earn 2 points‡ per dollar spent on all eligible purchases in these categories thereafter. In both cases, these accumulation rates apply until $10,000 is spent annually in the applicable category; 1 point‡ per dollar spent on all other eligible purchases.
• Receive 5,000 bonus points†† ($25 cash back) after you make eligible purchases of at least $500 within 90 days of account opening.
• Quebec residents: the 5,000 bonus points†† are awarded after your first eligible purchase (no minimum spend required); the boosted 4-points-per-dollar rate for the first 90 days does not apply in Quebec.
• 5,000 bonus points††($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
• Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points
• Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances (Quebec residents: 21.99% on balance transfers and cash advances)
• Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
• No Annual Fee.

Take advantage of an everyday rewards card with no annual fee. Apply now for the MBNA Rewards® credit card.

Accelerate cash back on common purchases!

• No annual fee
• Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 0.5% Cash Back‡ for all other eligible purchases
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances (Quebec residents: 21.99% on balance transfers and cash advances)

Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for a Smart Cash Mastercard.

This card is available across Canada. Quebec residents: apply here.

Accelerate cash back on common purchases!

• Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 1% cash back‡ on all other eligible purchases
• $39 annual fee
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances (Quebec residents: 21.99% on balance transfers and cash advances)
• Your personal annual income must be over $50,000, or your household annual income must be $80,000 or more††††

Enjoy a card offering cash back on eligible purchases. Apply now for the Smart Cash® World credit card.

This card is available across Canada. Quebec residents: apply here.

Receive up to 30,000 bonus points (approximately $250 cash back value):

• 20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
• 10,000 bonus points††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
• Quebec residents: the welcome bonus totals 20,000 points: 15,000 bonus points†† after your first eligible purchase (no minimum spend required) and 5,000 bonus points†† once enrolled for paperless e-statements.
• Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point‡ for every $1 on all other eligible purchases
• Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.
• Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances (Quebec residents: 21.99% on balance transfers and cash advances)
• Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
• $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
• To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater††††.

Welcome offer: Get up to $650 in value and have the $139 annual fee waived for the first year. Plus, get 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*

• Earn more cash back on the categories that mean the most:
  • 5% on groceries*
  • 4% on transit including ride sharing, taxis and public transportation*
  • 3% on gas and electric vehicle charging*
  • 2% on recurring bill payments like your monthly phone bill or favourite streaming service*
  • 1% cash back on all other purchases, with no limit on the amount of cash back you can earn*
• Save up to 20% at National Car Rental^® and Alamo Rent A Car^® locations, and up to 5% at Enterprise Rent-A-Car^® locations worldwide when you book using the vehicle rental tool*
• Purchase protection and extended warranty insurance on most items purchased with the card*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
• Complimentary roadside assistance services, including battery boost, flat tire change, door unlocking and vehicle towing — a value of $75 per year*
• You also benefit from collision damage waiver insurance for rental vehicles and 8-day coverage for medical expenses abroad up to $5 million*
• Shop, eat and relax with our partners to receive offers when you travel and make purchases with your BMO World Elite Mastercard outside Canada*
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

The Cathay World Elite Mastercard – powered by Neo is not available in Quebec.

Welcome Offer

• Earn up to 60,000 Asia Miles as a welcome bonus: 35,000 Asia Miles on approval and 25,000 Asia Miles after $5,000 in purchases in 3 months
• 15% discount on Cathay Pacific flights with promotional code

Features of the Cathay World Elite Mastercard – powered by Neo:

• 2 Asia Miles for every $1 spent on purchases made in foreign currencies
• 4 Asia Miles per dollar on Cathay Pacific purchases
• 5 Asia Miles per dollar on average at thousands of Neo partners across the country
• 1 Asia Mile per dollar on purchases made in Canada
• Enjoy exclusive member benefits: priority check-in, free extra baggage and access to Cathay Pacific lounges
• Benefit from comprehensive insurance covering medical emergencies, cancellations and lost baggage
• Access over 1,300 airport lounges worldwide with DragonPass
• Avoid queues with Mastercard's Fast Track service at security checkpoints

• Guaranteed Approval*
• May help you strengthen your credit history
• 24/7 customer service
• No annual fee
• Enjoy Valuable Mastercard benefits, plus Everyday and Travel benefits like Purchase Assurance and Extended Warranty
• Add an authorized user for $0
• Annual interest rate of 29.9% (21.9% in Quebec) on purchases, balance transfers, and cash advances
• Security Funds are required

Welcome offer: Get up to $1,800 in value, including 40,000 VIPorter points and a 35% off flight voucher†. Plus, the annual fee is waived in the first year†.

• Earn 2 points for every $1 spent on Porter purchases
• Earn 1 point for every $1 spent on gas and transportation
• Earn 1 point for every $1 spent on groceries and dining
• Earn 1 point for every $1 spent on hotel accommodations
• Earn 0.5 points for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Passport)
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No expiration of VIPorter points.
• Earn $1 of qualifying spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 8-day out-of-province or country emergency medical insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary insurance

Purchasing insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Get even more benefits: You may qualify for the BMO VIPorter World Mastercard tier of this card – which has the same fees and rates, but also includes experiences available only to World Mastercard cardholders.*

Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend, and pay no annual fee in your first year.*

• Earn 3 points for every $1 spent on Porter purchases*
• Earn 2 points for every $1 spent on gas and transportation
• Earn 2 points for every $1 spent on groceries and dining
• Earn 2 points for every $1 spent on hotel accommodations
• Earn 1 point for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Venture)
• One round-trip companion pass per year†
• 1 complimentary checked bag*
• 1 complimentary carry-on bag on all Porter fare types*
• Free PorterClassic seat selection*
• Priority security*
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No expiration of VIPorter points.
• Earn $1 of qualifying spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 21-day out-of-province or country emergency medical insurance
• Trip Cancellation/Interruption/Delay insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary insurance

Purchasing insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
• Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
• Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.

• No annual fee
• Get a $20 Tim Hortons digital gift card after your first purchase*
• Earn 15 points for every dollar you spend at Tim Hortons by presenting your Tims Rewards card
• Earn 5 points for every dollar spent on groceries, gas, electric vehicle charging, public transit, cabs and carpooling services
• Earn 0.5 points for every dollar spent on all other purchases
• Up to one year extended warranty
• Full integration into the Tim Hortons app
• Annual interest rate for purchases: 20.99% to 26.99% (20.99% to 24.99% for residents of Quebec)
• Annual interest rate for cash advances: 22.99% to 27.99% (22.99% to 24.99% for residents of Quebec)