Network: Mastercard

  • 4% cash back on grocery purchases (up to $10,000 in annual purchases - thereafter, the earn rate decreases to 1%)
  • 3% cash back on restaurant purchases (up to $6,000 in annual purchases - thereafter, the earn rate decreases to 1%)
  • 3% cash back on purchases in the Entertainment and Public Transit categories
  • 1% cash back on your other purchases
Annual Fee
  • Primary card $100
  • Additional card $30
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates
Earning Rate
  • Groceries4%
  • Dining and Food delivery3%
  • Local Transport3%
Value
  • Year 1 $322
  • Year 2+ $322
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
3 day(s)
Travel medical insurance up to 64 years old
$5,000,000
3 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$500
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
  • 2% cash back on your Restaurant and Automatic Payment purchases (up to $3,600 in purchases per year - beyond that, the earning rate decreases to 0.5%)
  • 2% cash back on purchases in the Entertainment and Public Transit categories
  • 0.5% cash back on all other purchases
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates
Earning Rate
  • Dining and Food delivery2%
  • Local Transport2%
  • Entertainment2%
Value
  • Year 1 $203
  • Year 2+ $203
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
3 day(s)
Travel medical insurance up to 64 years old
$5,000,000
3 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$500
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Make your purchases in US dollars
  • Purchasing insurance
  • Accepted at Costco
Learn More
  • Annual fees are in U.S. dollars
  • Eliminate the uncertainty of exchange rate fluctuations
  • Fee Reduction Offer: Buy for only $3,000 USD with your card during the year, and we’ll pay the following year’s annual fee for you*
  • Zero liability protection in the event of unauthorized use of the card
  • Acceptance in over 30 million establishments in the U.S., Canada and worldwide.
Legal

*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.

Annual Fee
  • Primary card $49
  • Additional card $0
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Value
  • Year 1 $-49
  • Year 2+ $-49
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Prepaid card
  • Purchase Insurance
  • Accepted at Costco
Learn More
  • Prepaid card
Legal

*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Annual Fee
  • Primary card $10
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Value
  • Year 1 $-10
  • Year 2+ $-10
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 3% cash back online at Walmart.ca and for purchases at Walmart
  • 1% cash back everywhere else
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.89 %
  • Cash Advance Rates 22.97 %
    21.97 % (QC)
  • Balance Transfer Rates 22.97 %
    21.97 % (QC)
Earning Rate
  • All Spending1%
  • Groceries1%
  • Gas1%
Value
  • Year 1 $265
  • Year 2+ $240
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 1% cash rewards on all purchases
  • No limit to the amount of cash back you can earn.
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates 21.9 %
Earning Rate
  • All Spending1%
  • Groceries1%
  • Gas1%
Value
  • Year 1 $240
  • Year 2+ $240
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$250,000
Flight Delay Insurance
Delayed Baggage Insurance
$300
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
31 day(s)
Hotel/Motel Burglary Insurance
  • $1 in travel rewards for every $100 on all purchases
  • There is no limit to the number of reward miles you can earn.
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates 21.9 %
Value
  • Year 1 $240
  • Year 2+ $240
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$250,000
Flight Delay Insurance
Delayed Baggage Insurance
$300
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
31 day(s)
Hotel/Motel Burglary Insurance
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 1.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 21.5 %
  • Balance Transfer Rates 19.99 %
Earning Rate
  • AIR MILES partners1%
  • Air Canada1%
  • All Spending0.5%
Value
  • Year 1 $120
  • Year 2+ $120
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Earn 2% per dollar in BRIM Reward Points
  • No FX-fee
  • Free Wi-Fi anywhere around the world
Annual Fee
  • Primary card $89
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 1.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 21.5 %
  • Balance Transfer Rates 19.99 %
Earning Rate
  • All Spending1%
  • Groceries1%
  • Gas1%
Value
  • Year 1 $151
  • Year 2+ $151
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • Receive an $85 Amazon Gift Card + get 5% back on Amazon.ca, at Whole Foods Market stores in Canada, at the grocery store, and at restaurants for the first 6 months! (Valid on the first $3,000 in eligible purchases††.)
  • Earn rewards on all your eligible purchases on Amazon.ca – and at Whole Foods Market stores in Canada!
  • Get 1% back on eligible purchases on Amazon.ca, at Whole Foods Market stores in Canada, and on foreign currency transactions with an eligible Prime membership.
  • Otherwise, get 1.5% back on Amazon.ca and at Whole Foods Market stores in Canada.
  • Get 1% back on all other eligible purchases, everywhere Mastercard is accepted.
  • Use your rewards on Amazon.ca – redeem your rewards directly for eligible Amazon.ca items.
  • No annual credit card fees

Please read our guide about Amazon Prime.

Legal

This is an outline of the rewards program (« program ») associated with this credit card account. To participate in the program, you must have an Amazon.ca account open and in good standing, and comply with the program terms and conditions. The Amazon Prime membership of the Amazon.ca account you choose to link to your credit card account will determine the number of points accumulated on eligible purchases. Accumulated points will be redeemed for one or more Amazon.ca gift cards, which Amazon will upload to your Amazon.ca account. The complete terms and conditions describing program eligibility, as well as limitations and restrictions, will be sent after your credit card account is opened. The Toronto-Dominion Bank has no obligation or responsibility for the Amazon.ca gift card(s) or any component of your Amazon.ca account.

†† Limit of one bonus points offer (no monetary value) per new credit card account. This offer applies only to eligible purchases made within six months of opening the credit card account: a) at restaurants and fast-food establishments (merchant category code 5812 and 5814); (b) grocery stores or supermarkets (Merchant Category Code 5411); (c) on the Amazon.ca website; and d) at any physical Whole Foods Market store in Canada. For clarity, this offer does not add to the standard accumulation rates of the rewards program associated with the account; it replaces them. Standard accumulation rates will apply to purchases not in the above categories, as well as to purchases in the above categories after $3,000 in eligible purchases. This promotion is offered by MBNA and Amazon, and may be changed or cancelled at any time without notice.

BALANCE TRANSFERS
Balance Transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is higher, MBNA may send a partial payment to the named creditor/designated account. A balance transfer cannot be used to repay or reduce the balance of your account or any other balance you have with us (including our affiliates, which would include a member of the TD Bank Group).

** Offered by Allianz Global Risks US Insurance Company (Canadian Branch). Information regarding benefits, including terms, limitations, and exclusions, can be found in the certificate of insurance provided with your card.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates
    19.99 % (QC)
  • Cash Advance Rates
    22.99 % (QC)
  • Balance Transfer Rates
    22.99 % (QC)
Earning Rate
  • All Spending1%
  • Groceries1%
  • Gas1%
Value
  • Year 1 $390
  • Year 2+ $240
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Receive our newsletter every week!

Savings are this way (if you don’t see the signup form, click here):

Milesopedia