Network: Mastercard

• No annual fee
• Get a $20 Tim Hortons digital gift card after your first purchase*
• No credit history is required
• Earn 12 points for every dollar spent at Tim Hortons
• Earn 2 points for every dollar spent on groceries, gas, electric vehicle charging and public transit
• Earn 0.25 points for every dollar spent on all other purchases
• Up to one year extended warranty
• Full integration into the Tim Hortons app
• Earn Tims Rewards^™ points wherever you shop*
• 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)

• Get $25 cash back when you sign up for the Neo Mastercard.
• Up to 15% boosted cash back at thousands of Neo partners across Canada.

• Welcome Offer: $25 cash bonus for any new Wealthsimple client who opens and funds their account with as little as $1 within 30 days
• No monthly fees
• No foreign transaction fees
• No ATM fees

Everyday cashback

• 6% on average on restaurants, bars and cafés
• 4% on your favorite apps (Netflix, Disney+, Crave, Apple, Uber, Lyft, SkipTheDishes, DoorDash and UberEats)
• Up to 3% on gas and groceries

Features and benefits

• Personalized insights powered by generative chat AI (coming soon)
• Digital card available to use immediately
• Get cashback at thousands of local and national partners

• No annual fee
• Standard Annual Interest Rates of 12.99% on eligible purchases, 17.99% on balance transfers✪, and 24.99% on cash advances.
• Rates and fee structures may differ for Quebec residents.
• You could get a 0% promotional annual interest rate (“AIR”)^† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee. This promotional offer is not available to residents of Quebec.
• This card is made from 100% recycled plastic.
• Around-the-clock fraud protection
• Use available credit on your credit card to transfer funds right to your chequing account.

Apply for the MBNA True Line® Mastercard® credit card today

• $39 annual fee
• Standard Annual Interest rates of 10.99% on purchases, 13.99% on balance transfers, and 24.99% on cash advances
• Rates and fee structures may differ for Quebec residents.
• This card is made entirely of recycled plastic
• Around-the-clock-fraud protection
• Use available credit on your credit card to transfer funds right to your chequing account.

Welcome offer:

• Get up to $1,500 in value*! This includes up to 100,000 BMO Rewards points as a bonus in the first year (a value of $669)*.

Here’s how the welcome offer adds up:

• $135 in value (20,000 BMO Rewards Points) when you make your first purchase*
• Up to $535 in value (8,000 BMO Rewards Points from months 3-12) when you spend $3,000 each month*
• $701 in value from your premium benefits*
• Plus, your $149 annual fee is waived in the first year*
• 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*
• Earn 4 BMO Rewards points for every dollar spent on eligible gas and office supply purchases, as well as cell phone and Internet bill payments.
• Earn 1.5 BMO Rewards points for every $1 you spend*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass, with two annual complimentary passes*
• Save up to 7¢ per litre at all Shell^® gas stations±, regardless of fuel type*

• Earn up to 2 points per dollar spent
• Comprehensive travel insurance for trips of up to 60 days
• Out-of-province hospital medical insurance, trip interruption insurance, trip cancellation insurance, flight delay insurance, baggage delay insurance, stolen or lost baggage insurance
• Car rental insurance
• Access to more than 1,300 airport lounges worldwide
• Coverage for accidental damage, loss, or theft of mobile devices
• Medical, general and legal assistance
• Purchase insurance against theft or damage
• Extended warranty coverage on purchases
• Extended manufacturer's warranty on purchases
• Enhanced security with Mastercard® ID Check™
• Discounts on monthly fees for The Total and The Connected banking packages
• Redeem points through the travel agency of your choice

A game-changer card for teens

A card designed for teens and great for all. The JA Money card—powered by Neo gives you the tools to manage your money, save smarter, and get rewarded.

Exclusive cashback offers at Neo partners

• Restaurants & Food Delivery: Enjoy 5% average cashback at awesome restaurants and Uber Eats.
• Clothing & Footwear: Shop the latest styles and score 2% cashback at stores like Dynamite, JD Sports, and Simons.
• Books & eBooks: Catch up on reading with 2% cashback at places like Chapters, Indigo, and Kobo.
• Games & Entertainment: Level up with 2% cashback at spots like PlayStation, Xbox, Nintendo, and Steam.
• Health & Fitness: Stay active with 2% cashback at places like GoodLife Fitness and YMCA.
• And more: Use the Neo app to discover over 10,000 places to earn rewards— it’s like the Google Maps of cashback.

Features and benefits

• Get notified in real time: Know what’s happening with your money at all times. Get notified anytime money goes in or out of your account, freeze and unfreeze your card instantly.
• Safe, secure deposits: Deposits are eligible for CDIC protection², and payments are protected by a world-class security infrastructure.
• Advanced app security: Protect your account with Face ID, fingerprint lock, and two-factor authentication.

• Free withdrawals at any ATM in Canada
• 0.5% cash back on every purchase
• Earn the same excellent rate as your Personal Account
• No foreign exchange fees, monthly fees, or other hidden fees

Card features:

• 60 XP welcome bonus for new cardholders + 30 XP upon renewal on the card's anniversary
• No annual fee for the first year (instead of $132)
• Up to 30 Miles per $1 spent at Merchant Partners
• 2 Miles per $1 spent on food and drinks (restaurants, bars)
• 1 Mile per $1 spent everywhere else