Network: Visa

2.99% introductory interest rate on Balance transfers for the first 6 months (22.99% after that, annual fee $79)

• 3% back on eligible purchases at gas stations, restaurants, office supply stores, and electric vehicle charging stations
• 2% back on eligible shipping services and accounting or bookkeeping services, as well as on eligible recurring bill payments
• 1% back on all other everyday business purchases
• 25-day interest-free grace period on new purchases
• Suite of comprehensive insurances
• Enjoy the flexibility of buying now and paying little by little with Scotia SelectPay^TM

• Limit up to $500,000
• No additional cost for extended warranties on your purchases for up to 90 days
• Free supplementary cards and personalized cheques
• Flexible repayment terms
• 21-day interest-free grace period

Welcome offer : Get up to $2,300 in value including up to 200,000 points, Visa Airport Companion Program membership & 6 Complimentary Lounge Passes, NEXUS Statement Credit, $200 Statement Credit and earn 25% more points when you add another cardholder.
Plus, get 0%s introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.

• Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel.*
• Get 1 BMO Reward for every $1 spent on everything else*
• Get a $200 annual lifestyle credit to spend however you want.*
• Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
• Earn 25% more points when you add an authorized user to your account.*
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Mobile Device Insurance that covers you for up to $1,000*
• Pay with Points by browsing your recent transactions & redeem your points for as little as $1.*
• Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports.*
• Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country.*

• Earn up to 100,000 Aeroplan points:
  • 10,000 Aeroplan points when you spend $1,000 or more during your first 2 monthly statement periods^†
  • 40,000 Aeroplan points when you spend $5,000 or more during your first 4 monthly statement periods^†
  • 50,000 Aeroplan points as an additional anniversary bonus when you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods^†
• Enjoy free first-baggage check-in: a value of $140 for two travellers on each round-trip flight, assuming you fly Air Canada round-trip during the first year^†
• Enjoy access to Maple Leaf^TM lounges, a $550 value^†
• Enhance your airport experience with six complimentary visits to over 1,200 airport lounges worldwide through the Visa Airport Companion Program, a value of over $370^†
• Plus, get a discount on the NEXUS^TM program application fee, a $100 value^†

• Get up to 75,000 Aeroplan points (a value of up to $1,500†):
  • 10,000 Aeroplan points the first time you make a purchase†
  • 25,000 Aeroplan points when you spend at least $7,500 within the first 3 statement periods†.
  • 25,000 Aeroplan points when $40,000 or more in purchases are charged to the account within the first 12 monthly statement periods†.
  • An additional bonus of 15,000 Aeroplan points when $40,000 or more in purchases are charged to the account in the first year†.
• Get a one-time annual fee rebate for the primary cardholder ($180) and three additional cardholders ($50 each): a benefit valued at $330†.
• Enjoy free first checked bag†: a benefit valued at $140 for two travelers per round-trip flight, assuming you take one Air Canada round-trip flight during the first year†.
• Enjoy access to Maple Leaf Lounges: a benefit valued at $236†.

• Get up to 45,000 Aeroplan points:
  • 10,000 Aeroplan points the first time you make a purchase^†
  • 10,000 Aeroplan points when you spend $6,000 or more during the first 6 monthly statements periods^†
  • 25,000 Aeroplan points as an additional anniversary bonus when you have at least $12,000 in net purchases posted on your account during the first 12 monthly statement periods^†
• Enjoy free first-baggage check-in: a value of $140 for two travellers on each round-trip flight, assuming you fly Air Canada round-trip during the first year^†
• Plus, get a one-time annual fee refund ($139) for you (the primary cardholder) and up to three authorized users ($50 each), a value of over $189^†

Get a total of up to 80,000 Aventura Points^† (up to $1,600 in travel value^†) during your first year:

• 25,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods^†
• 25,000 Aventura Points when you spend $6,000 or more in the first 4 monthly statement periods.^†
• 30,000 Aventura Points as an additional anniversary bonus^†
• Elevate your airport experience with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program2: up to $370 value^†
• Get a $200 annual Travel Credit^†
• Plus, get 2 NEXUSTM Application Fee rebates: a $320 value.^†

• 2% in BONUSDOLLARS for eligible purchases made in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year - beyond that, the earning rate drops to 0.5%)
• 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
• 0.5% in BONIDOLLARS on your other purchases

• 2% cash back at grocery stores
• 0.5% on everything else
• 1.99% interest rate on balance transfers during the first six months

• 3% cash back at grocery stores
• 2% cash back on travel (flights, hotels, Airbnb, and cruises)
• 1% cash back on everything else

• Eliminate credit card foreign currency conversion rates and fees when making purchases or paying for bills in U.S. Dollars
• Enjoy Chip & PIN security and Visa PayWave* contactless payment convenience
• Travel and shop with a suite of insurance coverages
• Enjoy all the benefits of your TD U.S. Dollar Visa* Card using Apple Pay. It's the easy, secure, and private way to pay