Reward Credit Cards

It`s easy to get caught up in the excitement of credit cards that offer rewards. Most cards offer points towards free travel, groceries, gas, automobiles and even cash-back.

It`s important to keep in mind that some of the credit cards which offer high reward programs... also charge higher interest rates. Don`t get blinded by the prospect of gaining what you think are "free rewards". Make sure you look into other aspects of the card. The information below will help.

Alterna Bank TravelRewards MasterCard
	Earn 1 TravelRewards point for every $1 spent on the card Receive up to $1 Million Common Carrier Travel Accident Insurance 100,000 point maximum per year Earn 2,500 bonus points the first time you use the card, and as an anniversary bonus

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
18.99% on Purchases 19.99% on Cash Advances	$89	$5,000	Yes	Good Credit

American Express AeroplanPlus Card
	Front Of The Line® offers cardmembers preferred access to purchase tickets to many popular entertainment events across Canada - often before they are offered to the general public Receive 2,500 Aeroplan Miles as a Welcome Bonus Earn 1 Aeroplan Mile for every $1 in Card purchases The card provides automatic coverage of up to $250,000 in Travel Accident Insurance

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
30%	$60	N/A	No	Good Credit

American Express AIR MILES Platinum Credit Card
	All supplementary cards are free of charge Front of the Line offers preferred ticket access to some of the most sought after theatre shows, and concerts across Canada Receive 350 Reward Miles as a Welcome Bonus Earn 1 Reward Mile for every $10 in Card purchases as Air Miles sponsors, and 1 Reward Mile for every $15 elsewhere

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances	$50	$1,000	Yes	Excellent Credit

American Express Card
	No preset spending limit on account when balance is paid every month on time Optional Membership Rewards® Program offers one point for virtually every dollar in purchases for a fee of just $50 per year Front of the Line offers preferred ticket access to some of the most sought after theatre shows, and concerts across Canada

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
30% annually	$55	N/A	No	Good Credit

American Express The Platinum Card
	Earn 1.25 Membership Rewards points for every $1 in Card purchases Offers the ability to change Membership Points to Aeroplan points easily - one Membership Point equal to one Aeroplan Mile Receive 10,000 Bonus Membership Rewards points as a Welcome Bonus Front Of The Line® offers cardmembers preferred access to purchase tickets to many popular entertainment events across Canada - often before they are offered to the general public

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
30%	$399	N/A	No	Excellent Credit

BMO AIR MILES MasterCard®*
	1 AIR MILES reward mile for every $20 in card purchases 1.5x reward miles at Shell locations in Canada 1.5x reward miles at National Car Rental & Alamo Rent A Car locations worldwide Up to 25% rental discount at National Car Rental & Alamo Rent A Car locations worldwide

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% Or 12.9% for additional $45/year	None	$500	Up to $1000	Good Credit

BMO CashBack MasterCard®*
	0.5% CashBack on every card purchase 1.5% CashBack at Shell locations in Canada 1.5% CashBack at National Car Rental & Alamo Rent A Car loctions worldwide Up to 25% rental discount at National Car Rental & Alamo Rent A Car locations worldwide

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% Or 12.9% for additional $45/year	None	$500	Up to $1000	Good Credit

BMO Gold AIR MILES MasterCard®*
	150 bonus Reward Miles with your first card purchase Exclusive 25% discount on the number of Reward Miles required for all AIR MILES flights worldwide BMO Travel Protection including Collision Damage Waiver coverage for car rentals. Save $29/yr 1 AIR MILES reward mile for every $15 in card purchases 1.25 reward miles at Shell locations in Canada 2x reward miles at National Car Rental and Alamo Rent-A-Car locations worldwide

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% Or 12.9% for additional $45/year	$99	$500	Up to $1,000	Good Credit

BMO Premium CashBack MasterCard®*
	1% CashBack on every card purchase 3% CashBack at Shell locations in Canada 3% CashBack at National Car Rental & Alamo Rent A Car locations worldwide Free BMO Roadside Assistance (over $50 value) – includes fuel delivery, battery boost, lockout service, towing and more No charge for additional cards

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% or 12.9% for and additional $45/year	$49	$500	Up to $1000	Good Credit

Canadian Tire Cash Advantage MasterCard
	Earn up to 1.5% cash back on all eligible purchases Earn up to 3% cash back at Canadian Tire stores, Canadian Tire gas bars, and Mark`s Work Wearhouse/L`Equipeur stores Pay your bill at Canadian Tire stores, your bank, by mail, or a pre-authorised payment plan

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	None	$500	Yes	Fair Credit

Canadian Tire Curve MasterCard
	Get up to 1.5% cash back everywhere you shop with the card Get up to 3% cash back at Canadian Tire stores, gas bars, and Mark`s Work Wearhouse/L`Equipeur stores If the products purchased with the Curve are stolen, lost, or damaged within 90 days of purchase, the Product Protector can have them repaired, replaced, or refunded

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	None	$300	Yes	Fair Credit

Canadian Tire Gas Advantage MasterCard
	The more you charge the card, the bigger the savings at the gas pump Use the card to benefit from Cardmember Exclusive offers in the Canadian Tire flyer Earn discounts 2 times faster on Canadian Tire and Mark`s Work Wearhouse store purchases

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	None	$300	Yes	Fair Credit

Canadian Tire Options Mastercard
	You can automatically earn Canadian Tire `Money` On the card everywhere, everyday, whenever you shop with the Options MasterCard Card. Earn Canadian Tire 'Money' On The Card at Canadian Tire Gas Bars. Earn 20% more when you use it instead of cash or debit card to pay for your Canadian Tire store purchases.

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99%-25.99%$4 for Cash Advances	None	$300	Yes	Fair Credit

CIBC Aero Classic VISA
	Receive a Welcome Bonus of 2,500 Aeroplan Miles Receive 1 Aeroplan Mile for every 2 dollars charged to the card Receive up to double Aeroplan Miles when you use your card to dine or to stay at any participating CIBC Bonus Rewards establishment

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5% on Cash Advances, Balance Transfers	$29	$1000	Credit Limit	Good Credit Credit

CIBC Aerogold® VISA
	Receive a Welcome Bonus of 15,000 Aeroplan Miles Earn 1.5 Aeroplan Miles for every dollar charged to your card at gas stations, grocery and drug stores Access to every available seat on Air Canada and Jazz, including Executive Class and Executive First

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5% on Cash Advances/Balance Transfer	$120	$1000	Credit Limit	Excellent Credit

CIBC Aerogold® Visa™ Infinite
	Receive a Welcome Bonus of 15,000 Aeroplan®1 Miles Earn 1.5 Aeroplan Miles for every dollar charged to your card at gas stations, grocery and drug stores Receive access to every available seat on Air Canada, including Executive Class®

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.9% on Purchases 21.5% on Cash Advances/Balance Transfers	$120	$1000	Credit Limit	Excellent Credit

CIBC Aventura MasterCard™
	Receive a Welcome Bonus of 2,500 Aventura Points Earn 1 Aventura Point for every dollar charged to the card Fly Any Airline™ Choose from hundreds of airlines for flight redemption or redeem for hotels, vacation packages, merchandise, gift cards and more

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5% on Cash Advances/Balance Transfer	$39	1000	Credit Limit	Good Credit

CIBC Aventura VISA™ INFINITE
	Receive a Welcome Bonus of 15,000 Aventura Points Earn 1 Aventura Point for every dollar charged to your card and 1.5 Aventura Points for every dollar you spend on gas, grocery and drug store purchases Fly Any Airline™ Choose from hundreds of airlines for flight redemption or redeem for hotels, vacation packages, merchandise, gift cards and more

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.9% on Purchases 21.5% on Cash Advances/Balance Transfer	$120	1000	Credit Limit	Excellent Credit

CIBC Aventura World MasterCard™
	Receive a Welcome Bonus of 15,000 Aventura Points Earn 1 Aventura Point for every dollar charged to your card and 1.5 Aventura Points for every dollar you spend on gas, grocery and drug store purchases, plus enjoy comprehensive insurances Fly Any Airline™ Choose from hundreds of airlines for flight redemption or redeem for hotels, vacation packages, merchandise, gift cards and more

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5% on Cash Advances/Balance Transfers	$120	1000	Credit Limit	Excellent Credit

CIBC Dividend Unlimited™ World MasterCard™
	Earn up to 2% cash back on all net card purchases No limit to the cash back that you can earn Enjoy comprehensive purchase and travel protection

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5% on Cash Advances/Balance Transfer	$79	$5000	Credit Limit	Excellent Credit

CIBC Dividend Visa Infinite™ Card
	Enjoy the CIBC Visa Infinite Personal Concierge Service, which you can access 24 hours a day, 7 days a week Earn up to 2% cash back on net card purchases Enjoy the flexibility to spend over your credit limit without having to pay an overlimit fee

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5% on Cash Advance/Balance Transfer	$79	1000	Credit Limit	Excellent Credit

Featured Credit Card - Aspire Cash™ Platinum MasterCard®
	Earn cash rewards and pay no annual fee! 1% cash rewards on all net purchases 20% extra cash rewards every year $50 bonus cash reward on your first purchase No limit to the amount of cash you can earn Add an authorized user for $0, and earn even more cash Valuable Platinum benefits including Purchase Assurance and Extended Warranty

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
Purchase Prime +16.8%Balance Transfer Prime +16.8% Cash Advance Prime +16.8%	$0	$0	Yes	Good to Excellent Credit

Featured Credit Card - Aspire Cash™ World MasterCard®
	1.5% cash rewards on all net purchases 20% extra cash rewards every year $100 bonus cash reward on your first purchase No limit to the amount of cash you can earn Add an authorized user for $0, and earn even more cash Valuable World MasterCard benefits including Purchase Assurance and Extended Warranty

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
Purchase Prime +16.8%Balance Transfer Prime +16.8% Cash Advance Prime +16.8%	$120	$0	Yes	Good to Excellent Credit

Featured Credit Card - Aspire™ Travel Platinum MasterCard®
	Earn reward miles – with no annual fee! No Annual Fee Earn 1 reward mile for every $1 spent – on all purchases 5,000 bonus reward miles with your first purchase 1,000 anniversary bonus reward miles every year Redeem for travel, cash, merchandise or gift cards

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
Purchase Prime +16.8% Balance Transfer Prime +16.8% Cash Advance Prime +16.8%	$0	$0	Yes	Good to Excellent Credit

Featured Credit Card - Cash Gold MasterCard®
	1% cash rewards on all of your purchases Earn rewards while you build your credit history the smart way Guaranteed access to credit Set up text and e-mail alerts to help you stay on track Security funds not required, unless we contact you Valuable Gold MasterCard benefits including $0 Fraud Liability Exclusive online offer

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
21.9%	$39	$0	Yes	New to Credit

Featured Credit Card - Delta SkyMiles® Gold MasterCard®
	Earn Delta miles on everything you buy 2,500 bonus Delta miles on your first purchase 1 Delta mile for every $1 on Delta purchases 1 Delta mile per $2 for all other net purchases Gold benefits including Purchase Assurance

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.8% on Purchases 19.8% on Cash Advances/Balance Transfers	None	$0	Yes	Good Credit

Featured Credit Card - Delta SkyMiles® World MasterCard®
	Earn Delta miles on everything you buy Get 25,000 bonus Delta miles with your first purchase Earn 2 Delta miles for every $1 on Delta purchases Earn 1 Delta mile per $1 for all other net purchases Get 2,500 bonus Delta miles on your account anniversary, every year Get 2,500 bonus Delta miles by adding an authorized user Valuable World MasterCard Benefits

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.8% on Purchases 19.8% on Cash Advances/Balance Transfers	$120	$0	Yes	Excellent Credit

Featured Credit Card - Fusion™ Platinum MasterCard®
	The low interest rate you need with rewards you want 5,000 bonus reward miles on your first purchase. Earn 1 reward mile for every $2 – on everything you buy. Guaranteed rate of 9.9% fixed on purchases and balance transfers

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
Purchase 9.9% Balance Transfer 9.9% Cash Advance 19.8%	$0	$0	Yes	Excellent Credit

Laurentian Bank Black Reward Me VISA Card
	Earn 1 Rewards point for every $1 spent on the card Easy payments access; personal cheques, telephone banking, Internet or Laurentian Bank's branches If $200 is spent on the card within on billing cycle, they will offer to reimburse monthly fee Worldwide acceptance in more than 150 countries

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	$42 ($3.50 charged monthly)	$500	Up to $500	Fair Credit

Laurentian Bank Gold Passport VISA Card
	Superior credit limit up to $100,000, so you can use your card as you see fit Earn 1 rewards point for every $1 charged to the card Optional Assur-payment offers reimbursement of minimum payment in event of job loss; legal assistance and much more A medical insurance for up to $5,000,000 that protects you and your family when you leave your province of residence on trips up to 14 days

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	$110	$5000	Yes	Excellent Credit

MBNA Shoppers Optimum MasterCard
	Enhanced security and protection with Chip & PIN technology and PayPass Access 24 Hour Customer Service Earn 5 points for every $1 in anywhere with credit card purchases Earn 25 points for every $1 in purchases at Shoppers Drug Mart 1.99% Intro interest Rate on Cash Advances and Balance Transfers for 6 months

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	None	$500	Yes	Good Credit

MBNA TravelRewards Platinum Plus MasterCard
	1 Point for every $1 in credit card Purchases Credit limit up to $100,000 Intoductory bonus of 5,000 TravelRewards Points 2,500 bonus TravelRewards Points each year on your account anniversary date TravelRewards points redeemable with more than 75 airlines

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
18.99% on Purchases 19.99% on Cash Advances/Balance Transfers	$89	$2,500	Yes	Good Credit

MBNA WorldPoints MasterCard
	Earn 1 WorldPoint for every $1 in purchases Redeem WorldPoints for travel, merchandise, and gift certificates 1,000 Bonus WorldPoints after your first purchase 1,000 Bonus WorldPoints each year; on your account anniversary date

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purcahses 19.99% on Cash Advances/Balance Transfers	$29	$2,500	Yes	Good Credit

National Bank of Canada Allure MasterCard
	Purchase gift cards online from Allure partners` websites and receive 10% off when you pay with your Allue card Receive 1 point for every $2 charged to the card OR 1 point for every $1 charged to the card at $20/year Every year, the Bank donates a portion of the total annual purchases made by all Allure cardholders to the Quebec Breast Cancer Foundation. That`s a total of $1,500,000 since 2005!

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% on Purchases 19.5% on Cash Advances/Balance Transfers	None	$1,000	Yes	Good Credit

National Bank of Canada Ovation Card
	Receive an automatic 50% discount on all banking packages and saftey deposit box rentals Exchange your points for brand name items, gift certificates, cinema or show tickets Earn 1.25 points for every $1 spent on the card Benefit from the Purchase Insurance policy which protects your purchases 180 after purchase date

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% on Purchases 19.5% on Cash Advances/Balance Transfers	$95	$1,000	Up to $500	Good Credit

National Bank of Canada Platinum MasterCard
	Benefit from the most complete coverage program: trip insurance and purchase protection You choose the travel agency, the airline, the travel dates and the destination Choose from a vast selection of rewards: dream trips, exciting entertainment, sports and cultural events Accumulate 1.5 points for every $1 in purchases on the card

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% on Purchases 19.5% on Cash Advances/Balance Transfers	$125	$1,000	Up to $1000	Excellent Credit

RBC British Airways VISA Platinum Card
	10,000 bonus BA Miles upon enrollment Receive a ticket for a companion when you purchase a qualifying round-trip full-fare ticket from Canada to any British Airways destination One BA Mile for every $1 you spend on the card Double BA Miles for every dollar you spend on British Airways flight that is purchased with the card $50 discount off any British Airways airfare from Canada

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
20.5% on Purchases20.5% on Cash Advances/Balance Transfers	$165 ($75 for additional cards)	$5,000	Up to $1000	Excellent Credit

RBC Cash Back VISA Card
	Earn 1% cash back on all other qualifying purchases made with this credit card Free additional cards for co-applicant and authorized users Worldwide cash access from up to $500 daily Earn 5% cash back on grocery store purchases

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases19.99% on Cash Advances/Balance Transfers	$19	$1,000	Yes	Good Credit

RBC Cathay Pacific Platinum VISA Card
	2 Asia Miles for every $5 HKD spent on in-flight purchases Earn 1 Asia Mile for every $1 CAD spent on the card Double Asia Miles for each $1 CAD spent on Cathay Pacific tickets purchased online at www.cathaypacific.com |Complimentary membership (Green Tier) into The Marco Polo Club for principal cardholder

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
20.5% on Purchases 20.5% on Cash Advances/Balance Transfers	$150 ($75 for additional cards)	$1,000 CAD	Up to $1,000	Good Credit

RBC Classic II Student VISA Card
	Earn one RBC Rewards point for every $1 spent in purchases with the card Free supplementary cards AVIS Car Rental discounts 24-hour worldwide fraud detection keeps your card safe

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	$15 ($0 on additional cards)	$500	Up to $500	No Credit

RBC Classic II VISA Card
	Earn one RBC Rewards point for every dollar in purchases you make with your card. Accepted at over 23 Million locations worldwide, wherever you see the VISA logo Rewards start as low as 2,500 points Earn additional RBC Rewards points with the Rewards Network Restaurant Program

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	$35 ($0 for additional cards)	$500	Up to $500	Fair Credit

RBC Esso Classic VISA Card
	Tracks your Esso purchases separately on your monthly statement 2 or more Esso Extra points for every eligible $1 spent at participating Esso Stations 1 Esso Extra point for every $1 spent everywhere VISA is accepted Receive 4,500 bonus Esso Extra points with first purchase

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	None	$500	Yes	Fair Credit

RBC Infinite Avion VISA Card
	Earn 1 RBC Rewards point for every $1 spent on purchases Earn 25% more RBC Rewards points when you use your card to book and pay for travel (flights, hotels, etc.) Trip Interruption Insurance up to $5,000 for each person covered per trip up to $25,000

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99%	$120 ($50 for additional cards)	$5,000	Yes	Excellent Credit

RBC Platinum Avion VISA Card
	Receive 15,000 welcome points upon enrollment Redeem points on any airline Redeem for air travel with no blackout periods or rewards seat capacity restrictions Earn 1 RBC Rewards point for every $1 you spend on the card Air travel rewards start as low as 15,000 points

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	$120 ($50 for additional cards)	$1,000	Yes	Very Good Credit

RBC U.S. Dollar VISA Card
	Earn 1 RBC Rewards point for every $1 USD in purchases made with the card Redeem RBC Rewards starting as low as 2,500 points Exchange RBC points for Esso Extra points Commission Free Travellers Cheques Emergency travel assistance 24 hours a day, 7 days a week

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	$65 USD ($30 USD for additional cards)	$1,000	Up to $1000	Excellent Credit

RBC VISA Gold Preferred Card
	Earn one RBC Rewards point for every dollar in purchases you make with your card Commission Free Travellers Cheques Instant discounts and special offers from popular national retailers through the RBC Royal Bank Visa Instant Savings Program Emergency travel assistance 24 hours a day, 7 days a week

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
18.5%	$110	$5000	Up to $1000	Excellent Credit

RBC WestJet MasterCard
	Receive $25 WestJet dollars as a welcome bonus with your first purchase Earn 1% in WestJet dollars on everyday purchases with card Every one WestJet dollar equals one Canadian dollar that can be used toward all or part of any flight or vacation package booked through WestJet

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	$39 ($19 for additional cards)	$1,000	Yes	Good Credit

RBC WestJet World MasterCard
	Receive $100 WestJet dollars as a welcome bonus with first purchase Earn 1.5% in WestJet dollars on everyday purchases Earn 2% in WestJet dollars when you purchase WestJet flights or WestJet Vacations packages MasterCard Secure Colde makes it simple and secure to pay at 1,000s or online stores

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 19.99% on Cash Advances/Balance Transfers	$79 ($39 for additional cards)	$1,000	Yes	Good Credit

Scene VISA Card
	Earn 1 SCENE point for every $1 in credit card purchases Earn 5 SCENE points for every $1 in credit card purchases at CIneplex theatres Earn 2,000 SCENE bonus points on first purchase Rental car discounts up to 20% at AVIS car rental locations worldwide

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5%	None	$500	Yes	Fair Credit

Scotia Momentum VISA Card
	Get a full 2% cash back on all eligible purchases (gas, groceries, drug store payments, etc.) Get a full 1% cash back on all other eligible purchases Optional Scotia VISA Balance Protection for a balance up to $20,000 Interest-free Grace period of at least 21 days on new purchases

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.99% on Cash Advances/Balance Transfers	$39	$500	Yes	Good Credit

Scotiabank Classic VISA Card
	Get up to 1% Cash Back Free supplementary cards AVIS Car Rental discounts Link your VISA card to your bank account to access it through over 1 million ABMS globally

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% on Purchasesor 21.5% on Cash Advances/Balance Transfers	None	$500	Up to $500	Fair Credit

ScotiaGold Passport VISA Card
	Earn one Scotia Rewards Point for every $1 spent Travel anywhere, at any time, with no restrictions 5% Cash Back on travel purchased through Scotia Rewards Travel Service Redeem Scotia Rewards points for merchandise, VISA gift cards, and much more

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5%	$110	$5,000	Yes	Good Credit

ScotiaHockey VISA Card
	Earn 1 ScotiaHockey Rewards point for every $1 in credit card purchases Redeem points for exclusive NHL hockey events, merchandise, and more Earn 2,000 ScotiaHockey Rewards bonus points on first purchase Travel using ScotiaHockey Rewards points through ScotiaHockey Rewards Travel Service

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.5% on Purchases 21.5% on Cash Advances/Balance Transfers	$49	$500	Yes	Fair Credit

TD Gold Elite Visa Card
	Receive 1% Cash Rebate for every purchase on your card Emergency travel assistance services Up to $500,000 in Common Carrier Travel Accident Insurance Trip Interruption Coverage - up to $10,000 coverage

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
19.99% on Purchases 21.5% on Cash Advances	$99 ($39 Authorized User fee)	$,5000	Up to $500	Excellent Credit

The American Express AeroplanPlus Gold Card
	Earn up to 1.25 Aeroplan Mile for every dollar spent on card purchases Receive 10,000 Aeroplan Miles as a Welcome Bonus 2 free supplementary cards are offered Front Of The Line® offers cardmembers preferred access to purchase tickets to many popular entertainment events across Canada - often before they are offered to the general public

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
30%	$120	N/A	No	Good Credit

The American Express AeroplanPlus Platinum Card
	Earn up to 1.5 Aeroplan Miles for every $1 in card purchases Receive 15,000 Aeroplan Miles as a Welcome Bonus Relax in Air Canada Maple Leaf Lounges and receive complimentary Priority Pass Membership for access to 500 VIP airport lounge Front Of The Line® offers cardmembers preferred access to purchase tickets to many popular entertainment events across Canada - often before they are offered to the general public

Interest Rate	Annual Fee	Minimum credit limit	Cash Advances	Credit Needed
30%	$499	N/A	No	Good Credit