Canadian Credit Cards

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The GM Card Issued By: TD Canada Trust Rating: (Read Review)

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: Optional Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2%[1]
Reward Programs:	Air Miles: No Cash Back: 3%[2] Other: No
Requirements:	Minimum Income: $12000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.
² The cash back can only be used to purchase or lease a new General Motors car.

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The GM Student Card Issued By: TD Canada Trust Rating: (Read Review)

Classification: Student Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: Optional Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2%[1]
Reward Programs:	Air Miles: No Cash Back: 3%[2] Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.
² The cash back can only be used to purchase or lease a new General Motors car.

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Shared Interest Classic My Visa Reward Plus with Low Interest Rate Option Issued By: Citizens Bank of Canada Rating: (Read Review)

Classification: Standard Card

Annual Interest Rates:	On Purchases: 11.25% On Cash Advances: 11.25% On Balance Transfers: 11.25% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $50 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One My Visa Rewards Plus point for every $2 spent. Also, for each transaction 10 cents is donated to a non-profit organization.
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Low Interest Rate Coast VISA Desjardins Classic Issued By: Coast Capital Savings Rating: (Read Review)

Classification: Standard Card

Annual Interest Rates:	On Purchases: 10.40% On Cash Advances: 10.40% On Balance Transfers: 10.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: No Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 0.5% of purchases are credited as BONUSDOLLARS.[3]
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.
³ Can be raised to 1% for a fee of $20 per year.

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ScotiaLine VISA Account Issued By: ScotiaBank Rating: (Read Review)

Classification: Standard Card

Annual Interest Rates:	On Purchases: 6.75% to 7.00% On Cash Advances: 6.75% to 7.00% On Balance Transfers: 6.75% to 7.00% Grace Period: 26 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $10000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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TD Emerald Visa Issued By: TD Canada Trust Rating: (Read Review)

Classification: Standard Card

Annual Interest Rates:	On Purchases: 6.65% to 11.65% On Cash Advances: 6.65% to 11.65% On Balance Transfers: 6.65% to 11.65% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: Optional Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $12000 Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Enviro Classic VISA Low Interest Rate and Rewards option Issued By: Vancity Credit Union Rating: (Read Review)

Classification: Standard Card

Annual Interest Rates:	On Purchases: 11.25% On Cash Advances: 11.25% On Balance Transfers: 11.25% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $50 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One My Visa Rewards Plus point for every $2 spent.
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Citi Drivers' Edge MasterCard Issued By: Citibank Canada Rating: (Read Review)

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2.1%[1]
Reward Programs:	Air Miles: No Cash Back: 2%[2] Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $750
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $20 unless the balance is less than $20.
² The cash back can only be used to purchase or lease a new car.

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Shared Interest Classic My Visa Reward Plus option Issued By: Citizens Bank of Canada Rating: (Read Review)

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One My Visa Rewards Plus point for every $2 spent. Also, for each transaction 10 cents is donated to a non-profit organization.
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Black Reward Me card Issued By: Laurentian Bank Rating: (Read Review)

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.49% On Cash Advances: 19.49% On Balance Transfers: 19.49% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $20[1] Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: Points towards gift certificates.
Requirements:	Minimum Income: $12000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ Charged in the form of a $1.66 per month fee. The fee is reimbursed for months where you make $200 or more in purchases with the card
² The minimum payment is always at least $10 unless the balance is less than $10.

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RBC Rewards Visa Classic Issued By: Royal Bank Rating: (Read Review)

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: One RBC Rewards point for every $1 spent using the card.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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CIBC Aerogold VISA Card Issued By: CIBC Rating: (Read Review)

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $120 Annual Fee on Extra Cards: $50
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	2.1%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: One Aeroplan Mile for every $1 spent. 15,000 Aeroplan Miles the first time you use the card.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The average balance method is used in Quebec.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Citi Drivers' Edge Gold MasterCard Issued By: Citibank Canada Rating: (Read Review)

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2.1%[1]
Reward Programs:	Air Miles: No Cash Back: 2%[2] Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $750
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $20 unless the balance is less than $20.
² The cash back can only be used to purchase or lease a new car.

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RBC Rewards Visa Gold Issued By: Royal Bank Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	$10 + Fees + Interest
Reward Programs:	Air Miles: No Cash Back: No Other: One RBC Rewards point for every $1 spent using the card.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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Mosaik MasterCard with Low Rate and Gold WestJet 1/$15 Air Miles option Issued By: BMO Bank of Montreal Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 11.40% On Cash Advances: 11.40% On Balance Transfers: 11.40% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $125 Annual Fee on Extra Cards: $15
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: 1 per 15 Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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Shared Interest Gold My Visa Reward Plus with Low Interest Rate Option Issued By: Citizens Bank of Canada Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 11.25% On Cash Advances: 11.25% On Balance Transfers: 11.25% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $145 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One My Visa Rewards Plus point for every $1 spent. For each transaction, 10 cents is donated to a non-profit organization.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $50 unless the balance is less than $50.

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Shared Interest Gold Visa with Low Interest Rate Option Issued By: Citizens Bank of Canada Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 11.25% On Cash Advances: 11.25% On Balance Transfers: 11.25% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $45 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: For each transaction, 10 cents is donated to a non-profit organization.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $50 unless the balance is less than $50.

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Low Interest Rate Coast VISA Desjardins Odyssey Gold Issued By: Coast Capital Savings Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 10.40% On Cash Advances: 10.40% On Balance Transfers: 10.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $124[3] Annual Fee on Extra Cards: $20
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 1% of purchases made in Canadian dollars and 2% of purchases made in foreign currencies are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.
³ $105 for those 76 years old or older.

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Low Interest Rate VISA Odyssey Gold Issued By: Desjardins Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 10.40% On Cash Advances: 10.40% On Balance Transfers: 10.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $115[3] Annual Fee on Extra Cards: $20
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 1% of purchases made in Canadian dollars and 2% of purchases made in foreign currencies are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.
³ $105 for those 76 years old or older.

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Reduced rate OVATION Gold MasterCard Issued By: National Bank Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 14.50% On Cash Advances: 11.50% On Balance Transfers: 11.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $105 Annual Fee on Extra Cards: $30
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 1.25 A La Carte rewards points for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Low Interest Rate VISA Desjardins Odyssey Gold Issued By: Westminster Savings Credit Union Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 10.40% On Cash Advances: 10.40% On Balance Transfers: 10.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $124[3] Annual Fee on Extra Cards: $20
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 1% of purchases made in Canadian dollars and 2% of purchases made in foreign currencies are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.
³ $105 for those 76 years old or older.

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Prime + 0.9 Platinum MasterCard Issued By: Capital One Bank Rating: (Read Review)

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 5.65% On Cash Advances: 19.80% On Balance Transfers: 5.65% Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $30000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Low Rate Platinum MasterCard Issued By: National Bank Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 14.50% On Cash Advances: 11.50% On Balance Transfers: 11.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $135 Annual Fee on Extra Cards: $50
Travel Protection:	Accident: Yes Cancellation: Yes Medical: No Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 1.5 A La Carte rewards points for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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No Hassle Rewards Platinum MasterCard Issued By: Capital One Bank Rating: (Read Review)

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 17.90% On Cash Advances: 19.80% On Balance Transfers: 17.90% Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 1 point towards travel for every $1 spent. 5000 bonus points for first purchase.
Requirements:	Minimum Income: $30000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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CIBC Dividend Platinum Issued By: CIBC Rating: (Read Review)

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $79 Annual Fee on Extra Cards: $30
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Yes Car Rental: Yes Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2.1%[2]
Reward Programs:	Air Miles: No Cash Back: 2% Other: No
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The average balance method is used in Quebec.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Citi Drivers' Edge Platinum MasterCard Issued By: Citibank Canada Rating: (Read Review)

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2.1%[1]
Reward Programs:	Air Miles: No Cash Back: 2%[2] Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $750
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $20 unless the balance is less than $20.
² The cash back can only be used to purchase or lease a new car.

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Staples EasyRewards MasterCard Issued By: Citibank Canada Rating: (Read Review)

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2.1%[1]
Reward Programs:	Air Miles: No Cash Back: 2%[2] Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $750
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $20 unless the balance is less than $20.
² The cashback is paid in the form of store credit with Staples.

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MBNA TravelRewards Platinum Plus MasterCard Issued By: MBNA Canada Bank Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 18.99% On Cash Advances: 19.99% On Balance Transfers: 19.99% Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $89 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2.25%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One TravelRewards point for every $1 spent, 5,000 points the first time you use the card, and 2,500 points on the anniversary of the card being issued to you.
Requirements:	Minimum Income: None Minimum Limit: $2500
Online:	Works Online: Yes Works with Paypal: Yes Website: No

¹ If $10 + fees + interest amounts to less than 2.25% of the total balance, you only have to pay $10 + fees + interest.

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L'earn VISA card for Students Issued By: Scotiabank Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 26 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%
Reward Programs:	Air Miles: No Cash Back: 1% Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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TD First Class Travel Visa Infinite Card Issued By: TD Canada Trust Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $120 Annual Fee on Extra Cards: $50
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: Three TD Points for every $1 spent. 20,000 TD Points when you sign up.[3]
Requirements:	Minimum Income: $60000[1] Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ Or a $100,000 household income.
² The minimum payment is always at least $10 unless the balance is less than $10.
³ 9 points for every $1 spent booking trips through the TD Visa Travel Rewards centre.

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TD Platinum Travel Visa Card Issued By: TD Canada Trust Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $99 Annual Fee on Extra Cards: $50
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Optional Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: Three TD Points for every $1 spent. 15,000 TD Points when you sign up.[2]
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.
² 6 points for every $1 spent booking trips through the TD Visa Travel Rewards centre.

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Mosaik MasterCard with Low Rate and 1% Cash Back option Issued By: BMO Bank of Montreal Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 11.40% On Cash Advances: 11.40% On Balance Transfers: 11.40% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $84 Annual Fee on Extra Cards: $5
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: No Cash Back: 1% Other: No
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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Mosaik MasterCard with Low Rate and No Fee Reward option Issued By: BMO Bank of Montreal Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 11.40% On Cash Advances: 11.40% On Balance Transfers: 11.40% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $35 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: 1 per $40 Cash Back: 0.5% Other: No
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: No

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Mosaik MasterCard with Low Rate and Silver 1/$20 Air Miles option Issued By: BMO Bank of Montreal Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 11.40% On Cash Advances: 11.40% On Balance Transfers: 11.40% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $70 Annual Fee on Extra Cards: $5
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: 1 per $20 Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: No

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Shared Interest Classic Visa with Low Interest Rate option Issued By: Citizens Bank of Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 11.25% On Cash Advances: 11.25% On Balance Transfers: 11.25% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: For each transaction, 10 cents is donated to a non-profit organization.
Requirements:	Minimum Income: $1500 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Low Interest Rate VISA Desjardins Classic Issued By: Desjardins Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 10.40% On Cash Advances: 10.40% On Balance Transfers: 10.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Reduced Rate Allure MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 14.50% On Cash Advances: 11.50% On Balance Transfers: 11.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $45 Annual Fee on Extra Cards: $10
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: Up to 10% at selected merchants Other: One A La Carte rewards point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Reduced Rate Escapade MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 14.50% On Cash Advances: 11.50% On Balance Transfers: 11.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $35 Annual Fee on Extra Cards: $10
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: Up to 10% at selected merchants Other: One A La Carte rewards point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Reduced Rate Husky/Mohawk MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 14.50% On Cash Advances: 11.50% On Balance Transfers: 11.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $15 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Reduced Rate Sunoco MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 14.50% On Cash Advances: 9.50% On Balance Transfers: 9.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $15 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Reduced Rate Ultramar MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 14.50% On Cash Advances: 11.50% On Balance Transfers: 11.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $15 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: 1.25%[2] Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.
² 2.5% on purchases with Ultramar or HomEnergy. You can only receive $250 per year cash back with this card.

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Syncro MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 8.75% to 10.75% On Cash Advances: 8.75% to 10.75% On Balance Transfers: 8.75% to 10.75% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $35 Annual Fee on Extra Cards: $10
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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ScotiaBank No Fee Value VISA Issued By: ScotiaBank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 13.90% On Cash Advances: 13.90% On Balance Transfers: 13.90% Grace Period: 26 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2%
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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Enviro Classic VISA Low Interest Rate option Issued By: Vancity Credit Union Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 11.25% On Cash Advances: 11.25% On Balance Transfers: 11.25% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Low Interest Rate VISA Desjardins Classic From WSCU Issued By: Westminster Savings Credit Union Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 10.40% On Cash Advances: 10.40% On Balance Transfers: 10.40% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: For $20 per year, 1% of money spent on purchases will be credited as BONUSDOLLARS.
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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TravelRewards Preferred MasterCard Issued By: Alterna Bank/Alterna Savings Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.99% On Cash Advances: 19.99% On Balance Transfers: 19.99% Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $89 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2.25%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One TravelRewards point for every $1 spent, 2500 points the first time you use the card, and 2500 points on the anniversary of the card being issued to you.
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ If $10 + fees + interest amounts to less than 2.25% of the total balance, you only have to pay $10 + fees + interest.

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TravelRewards MasterCard Issued By: Alterna Bank/Alterna Savings Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.99% On Cash Advances: 19.99% On Balance Transfers: 19.99% Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $89 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2.25%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One TravelRewards point for every $1 spent, 2500 points the first time you use the card, and 2500 points on the anniversary of the card being issued to you.
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ If $10 + fees + interest amounts to less than 2.25% of the total balance, you only have to pay $10 + fees + interest.

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Mosaik MasterCard with 1% Cash Back option Issued By: BMO Bank of Montreal Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $49 Annual Fee on Extra Cards: $5
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: No Cash Back: 1% Other: No
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: No

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CIBC Dividend Card Issued By: CIBC Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2.1%[2]
Reward Programs:	Air Miles: No Cash Back: 1% Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The average balance method is used in Quebec.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Citi Enrich MasterCard Issued By: Citibank Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2.1%[1]
Reward Programs:	Air Miles: No Cash Back: 1% Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $750
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $20 unless the balance is less than $20.

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Citi Petro Points MasterCard Issued By: Citibank Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2.1%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: Discount of 2 cents per litre at Petro Canada stations and 10 Petro points for every $1 spent.
Requirements:	Minimum Income: $15000 Minimum Limit: $750
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $20 unless the balance is less than $20.

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Amnesty International Visa Issued By: Citizens Bank of Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: Citizens Bank donates $20 to Amnesty International when you get the card, and donates a further 10 cents for each transaction thereafter.
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Oxfam Canada Visa Issued By: Citizens Bank of Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: Citizens Bank donates $20 to Oxfam Canada when you get the card, and donates a further 10 cents for each transaction thereafter.
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Save on More Visa Issued By: Citizens Bank of Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 2 Save-on-More points for every $1 spent.
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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CUETS Financial Low Fee CHOICE REWARDS MasterCard Issued By: CUETS Financial Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.49% On Cash Advances: 19.49% On Balance Transfers: 19.49% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $24 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: No Car Rental: No Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 1 CHOICE REWARDS point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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CUETS Financial Low Fee MasterCard Issued By: CUETS Financial Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.49% On Cash Advances: 19.49% On Balance Transfers: 19.49% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $12 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: No Car Rental: No Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 1 CHOICE REWARDS point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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CUETS Financial No Fee CHOICE REWARDS MasterCard Issued By: CUETS Financial Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.99% On Cash Advances: 19.99% On Balance Transfers: 19.99% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: Yes Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 1 CHOICE REWARDS point for every $2 spent.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Desjardins Classic with BONUSDOLLARS Rewards Program Issued By: Desjardins Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.40% On Cash Advances: 18.40% On Balance Transfers: 18.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $20 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 1% of purchases are credited as BONUSDOLLARS.
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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HSBC MasterCard Issued By: HSBC Bank Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: Optional Medical: Optional Car Rental: No Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Sears MasterCard Issued By: JPMorgan Chase Bank NA Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.90% On Cash Advances: 18.90% On Balance Transfers: 2.90% to 6.90% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: Points towards merchandise, travel, entertainment, and dining.
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Allure MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $30 Annual Fee on Extra Cards: $10
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One A La Carte rewards point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Escapade MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $20 Annual Fee on Extra Cards: $10
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One A La Carte rewards point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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MC1 Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $30 Annual Fee on Extra Cards: $10
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Ultramar MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $30 Annual Fee on Extra Cards: $10
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: 1.25%[2] Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.
² 2.5% on purchases with Ultramar or HomEnergy. You can only receive $250 per year cash back with this card.

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President's Choice Financial MasterCard Issued By: President's Choice Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.97% to 23.97% On Cash Advances: 19.97% to 23.97% On Balance Transfers: Variable Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 10 PC points for every dollar spent.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Esso Visa Issued By: Royal Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: Points towards Esso merchandise.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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RBC Mike Weir Visa Card Issued By: Royal Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $35 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: One RBC Rewards point for every $1 spent using the card.
Requirements:	Minimum Income: $12000 Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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Visa Classic II Issued By: Royal Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $35 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: One RBC Rewards point for every $1 spent using the card.
Requirements:	Minimum Income: $12000 Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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No Fee Scotia Moneyback VISA Issued By: Scotiabank Rating: (Read Review)

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 26 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2%
Reward Programs:	Air Miles: No Cash Back: 1% Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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SCENE VISA card Issued By: Scotiabank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 26 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%
Reward Programs:	Air Miles: No Cash Back: No Other: Points towards entertainment rewards.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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Scotia Moneyback VISA Issued By: Scotiabank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 26 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $8 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2%
Reward Programs:	Air Miles: No Cash Back: 1% Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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TD Rebate Rewards Visa Issued By: TD Canada Trust Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: Optional Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2%[1]
Reward Programs:	Air Miles: No Cash Back: 0.5% Other: No
Requirements:	Minimum Income: $12000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Enviro Classic VISA My VISA Rewards Plus Issued By: Vancity Credit Union Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One My Visa Rewards Plus point for every $2 spent.
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Save on More VISA Issued By: Vancity Credit Union Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 2 Save-on-More points for every $1 spent.
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Desjardins Classic From WSCU Issued By: Westminster Savings Credit Union Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.40% On Cash Advances: 18.40% On Balance Transfers: 18.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 1% of purchases are credited as BONUSDOLLARS.[3]
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.
³ Using this reward program requires you to pay a $20 per year fee.

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American Express AIR MILES Gold Business Card Issued By: Amex Bank of Canada Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 18.50%[1] On Cash Advances: 18.50%[1] On Balance Transfers: 18.50%[1][2] Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $50 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%[3]
Reward Programs:	Air Miles: 1 per 15 Cash Back: No Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ If you miss a payment, the interest rate increases to 25.99%.
² 3.99% for the first 6 months.
³ The minimum payment is always at least $10 unless the balance is less than $10.

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Mosaik MasterCard with Gold WestJet 1/$15 Air Miles option Issued By: BMO Bank of Montreal Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $90 Annual Fee on Extra Cards: $15
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: 1 per 15 Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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CIBC Aventura Gold VISA Card Issued By: CIBC Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $120 Annual Fee on Extra Cards: $50
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	2.1%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: One Aventura point for every $1 spent. 5,000 Aventura points when you sign up.[3]
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The average balance method is used in Quebec.
² The minimum payment is always at least $10 unless the balance is less than $10.
³ 1.5 points for every $1 spent at grocery stores, drugstores, and gas stations.

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CIBC Gold VISA Card Issued By: CIBC Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $99 Annual Fee on Extra Cards: $30
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Yes Car Rental: Yes Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2.1%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: One Gold Bonus point for every $1 spent.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The average balance method is used in Quebec.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Shared Interest Gold My Visa Rewards Plus Option Issued By: Citizens Bank of Canada Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $99 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One My Visa Rewards Plus point for every $1 spent. For each transaction, 10 cents is donated to a non-profit organization.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $50 unless the balance is less than $50.

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Coast VISA Desjardins Odyssey Gold Issued By: Coast Capital Savings Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.40% On Cash Advances: 19.40% On Balance Transfers: 19.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $99 Annual Fee on Extra Cards: $20
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 1% of purchases made in Canadian dollars and 2% of purchases made in foreign currencies are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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CUETS Financial Gold CHOICE REWARDS MasterCard Issued By: CUETS Financial Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.49% On Cash Advances: 19.49% On Balance Transfers: 19.49% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $120 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 1 CHOICE REWARDS point for every $1 spent and every $1 in debt transferred to the card.
Requirements:	Minimum Income: None Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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CUETS Financial Low Fee Gold CHOICE REWARDS MasterCard Issued By: CUETS Financial Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.49% On Cash Advances: 19.49% On Balance Transfers: 19.49% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $59 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 1 CHOICE REWARDS point for every $1 spent and every $1 in debt transferred to the card.
Requirements:	Minimum Income: None Minimum Limit: $2500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Odyssey Gold Issued By: Desjardins Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.40% On Cash Advances: 19.40% On Balance Transfers: 19.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $90[3] Annual Fee on Extra Cards: $20
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 1% of purchases made in Canadian dollars and 2% of purchases made in foreign currencies are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.
³ $80 for those 76 years old or older.

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OVATION Gold MasterCard Issued By: National Bank Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $90 Annual Fee on Extra Cards: $30
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 1.25 A La Carte rewards point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Visa Gold Preferred Issued By: Royal Bank Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $110[1] Annual Fee on Extra Cards: $40
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	$10 + Fees + Interest
Reward Programs:	Air Miles: No Cash Back: No Other: One RBC Rewards point for every $1 spent using the card.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ $70 for those 65 years old or older.

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VISA Desjardins Modulo Gold Issued By: Westminster Savings Credit Union Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 9.40% On Cash Advances: 9.40% On Balance Transfers: 9.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $50 Annual Fee on Extra Cards: $10
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 1% of purchases are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Desjardins Odyssey Gold Issued By: Westminster Savings Credit Union Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.40% On Cash Advances: 19.40% On Balance Transfers: 19.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $99[3] Annual Fee on Extra Cards: $20
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 1% of purchases made in Canadian dollars and 2% of purchases made in foreign currencies are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.
³ $80 for those 76 years old or older.

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Coast VISA Desjardins Modulo Gold Issued By: Coast Capital Savings Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 9.40% On Cash Advances: 9.40% On Balance Transfers: 9.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $50 Annual Fee on Extra Cards: $10
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 1% of purchases are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Low Interest Rate Coast VISA Desjardins Elegance Gold Issued By: Coast Capital Savings Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 11.40% On Cash Advances: 11.40% On Balance Transfers: 11.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 0.5% of purchases are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Modulo Gold Issued By: Desjardins Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 9.40% On Cash Advances: 9.40% On Balance Transfers: 9.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $50 Annual Fee on Extra Cards: $10
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 1% of purchases are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Low Interest Rate VISA Elegance Gold Issued By: Desjardins Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 11.40% On Cash Advances: 11.40% On Balance Transfers: 11.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 0.5% of purchases are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Low Rate Gold HSBC MasterCard (with rewards) Issued By: HSBC Bank Canada Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 12.90% On Cash Advances: 12.90% On Balance Transfers: 12.90% Grace Period: 23 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $120 Annual Fee on Extra Cards: $35
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: Yes Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One HSBC Travel & Merchandise Rewards point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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EnviroGold VISA Low Interest Rate Option Issued By: Vancity Credit Union Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 11.25% On Cash Advances: 11.25% On Balance Transfers: 11.25% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $45 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $50 unless the balance is less than $50.

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EnviroGold VISA My VISA Rewards Plus with Low Interest Rate Option Issued By: Vancity Credit Union Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 11.25% On Cash Advances: 11.25% On Balance Transfers: 11.25% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $145 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One My Visa Rewards Plus point for every $1 spent.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $50 unless the balance is less than $50.

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Low Interest Rate VISA Desjardins Elegance Gold Issued By: Westminster Savings Credit Union Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 11.40% On Cash Advances: 11.40% On Balance Transfers: 11.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 0.5% of purchases are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Platinum Plus MasterCard Issued By: Alterna Bank/Alterna Savings Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 9.99% to 17.99% On Cash Advances: 11.99% to 19.99% On Balance Transfers: 11.99% to 19.99% Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2.25%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ If $10 + fees + interest amounts to less than 2.25% of the total balance, you only have to pay $10 + fees + interest.

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Prime + 4.9 Platinum MasterCard Issued By: Capital One Bank Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 9.65% On Cash Advances: 19.80% On Balance Transfers: 9.65% Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $2500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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American Express Costco Platinum Cash Rebate Card Issued By: Amex Bank of Canada Rating: (Read Review)

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 18.25%[1] On Cash Advances: 18.25%[1] On Balance Transfers: 18.25%[1][2] Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[3]
Reward Programs:	Air Miles: No Cash Back: 1.5%[4] Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ If you miss a payment, the interest rate increases to 25.99%.
² 3.99% for the first 6 months.
³ The minimum payment is always at least $10 unless the balance is less than $10.
⁴ 0.25% on the first $2000 in annual purchases, 0.5% on the next $3000 after that, and 1.5% on any purchases after that. An extra 0.5% is earned if you carry a balance.

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CIBC VISA Platinum Issued By: CIBC Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: Yes Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2.1%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The average balance method is used in Quebec.
² The minimum payment is always at least $10 unless the balance is less than $10.

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CUETS Financial Platinum Class MasterCard Issued By: CUETS Financial Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.49% On Cash Advances: 19.49% On Balance Transfers: 19.49% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $150 Annual Fee on Extra Cards: $40
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: 1% Other: 2 Platinum CLASS REWARDS points for ever $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $7500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Diners Club International Personal Card with Club Rewards Issued By: Diners Club International Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 18.95% On Cash Advances: 18.95% On Balance Transfers: 0% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $99 Annual Fee on Extra Cards: $35
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	5%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: Club Reward points redeemable for travel, certificates, merchandise and personalized rewards.
Requirements:	Minimum Income: $25000 Minimum Limit: $2500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $50 unless the balance is less than $50.

---

PremierRewards Platinum Plus MasterCard Issued By: MBNA Canada Bank Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.99% On Cash Advances: 19.99% On Balance Transfers: 19.99% Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $29 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2.25%[1]
Reward Programs:	Air Miles: No Cash Back: 1% Other: No
Requirements:	Minimum Income: None Minimum Limit: $2500
Online:	Works Online: Yes Works with Paypal: Yes Website: No

¹ If $10 + fees + interest amounts to less than 2.25% of the total balance, you only have to pay $10 + fees + interest.

---

Platinum MasterCard Issued By: National Bank Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $120 Annual Fee on Extra Cards: $50
Travel Protection:	Accident: Yes Cancellation: Yes Medical: No Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 1.5 A La Carte rewards points for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

---

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Visa Platinum Issued By: Royal Bank Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 17 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: British Airways miles
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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Visa Platinum Avion Issued By: Royal Bank Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 17 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $120 Annual Fee on Extra Cards: $50
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: One RBC Rewards point for every $1 spent using the card. 2,500 free points each year.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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Visa Platinum Preferred Issued By: Royal Bank Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 17 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $110[1] Annual Fee on Extra Cards: $40
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: One RBC Rewards point for every $1 spent using the card.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ $70 for those 65 years old or older.

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TD/AAdvantage Platinum Visa Issued By: TD Canada Trust Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $120 Annual Fee on Extra Cards: $50
Travel Protection:	Accident: Yes Cancellation: No Medical: Optional Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One AAdvantage mile for every $1 spent. 10,000 AAdvantage miles when you sign up.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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SPC Mosaik MasterCard with Gold WestJet 1/$15 Air Miles option Issued By: BMO Bank of Montreal Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $90 Annual Fee on Extra Cards: $15
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: 1 per 15 Cash Back: No Other: SPC discounts
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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SPC Mosaik MasterCard with 1% Cash Back option Issued By: BMO Bank of Montreal Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $49 Annual Fee on Extra Cards: $5
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: No Cash Back: 1% Other: SPC discounts
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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SPC Mosaik MasterCard with No Fee Reward option Issued By: BMO Bank of Montreal Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: 1 per 40 Cash Back: 0.5% Other: SPC discounts
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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SPC Mosaik MasterCard with Silver 1/$20 Air Miles option Issued By: BMO Bank of Montreal Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $35 Annual Fee on Extra Cards: $5
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: 1 per 20 Cash Back: No Other: SPC discounts
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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Visa Classic II Student Issued By: Royal Bank Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $15 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	$10 + fees + interest[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One RBC Rewards point for every $1 spent using the card.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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SPC Mosaik MasterCard with Low Rate and Gold WestJet 1/$15 Air Miles option Issued By: BMO Bank of Montreal Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 11.40% On Cash Advances: 11.40% On Balance Transfers: 11.40% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $125 Annual Fee on Extra Cards: $15
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: 1 per 15 Cash Back: No Other: SPC discounts
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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SPC Mosaik MasterCard with Low Rate and 1% Cash Back option Issued By: BMO Bank of Montreal Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 11.40% On Cash Advances: 11.40% On Balance Transfers: 11.40% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $84 Annual Fee on Extra Cards: $5
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: No Cash Back: 1% Other: SPC discounts
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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SPC Mosaik MasterCard with Low Rate and No Fee Reward option Issued By: BMO Bank of Montreal Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 11.40% On Cash Advances: 11.40% On Balance Transfers: 11.40% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $35 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: 1 per 40 Cash Back: 0.5% Other: SPC discounts
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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SPC Mosaik MasterCard with Low Rate and Silver 1/$20 Air Miles option Issued By: BMO Bank of Montreal Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 11.40% On Cash Advances: 11.40% On Balance Transfers: 11.40% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $70 Annual Fee on Extra Cards: $5
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: 1 per 20 Cash Back: No Other: SPC discounts
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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Low Interest Rate Coast VISA Desjardins Student Issued By: Coast Capital Savings Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 10.40% On Cash Advances: 10.40% On Balance Transfers: 10.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: No Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $300
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Low interest rate VISA FOR STUDENTS ONLY Issued By: Desjardins Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 10.40% On Cash Advances: 10.40% On Balance Transfers: 10.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $300
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Low Interest Rate VISA Desjardins Student Issued By: Westminster Savings Credit Union Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 10.40% On Cash Advances: 10.40% On Balance Transfers: 10.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: No Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $300
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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TD Classic Travel Visa Card Issued By: TD Canada Trust Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $11 Annual Fee on Extra Cards: $11
Travel Protection:	Accident: No Cancellation: No Medical: Optional Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: Two TD Points for every $1 spent. 2,000 TD Points when you sign up.
Requirements:	Minimum Income: $12000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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CIBC Select VISA Card (Low Rate) Issued By: CIBC Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 11.50% On Cash Advances: 11.50% On Balance Transfers: 11.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $29 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2.1%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The average balance method is used in Quebec.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Low Rate HSBC MasterCard Issued By: HSBC Bank Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 12.90% On Cash Advances: 12.90% On Balance Transfers: 12.90% Grace Period: 23 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: Optional Medical: Optional Car Rental: No Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Low Rate HSBC MasterCard (with rewards) Issued By: HSBC Bank Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 12.90% On Cash Advances: 12.90% On Balance Transfers: 12.90% Grace Period: 23 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $60 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: Optional Medical: Optional Car Rental: No Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One HSBC Travel & Merchandise Rewards point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Black (reduced rate option) Issued By: Laurentian Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 11.49% On Cash Advances: 11.49% On Balance Transfers: 11.49% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $25 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $12000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Reduced Rate Edition MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 14.50% On Cash Advances: 11.50% On Balance Transfers: 11.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $15 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Visa Classic Low Rate Issued By: Royal Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 11.50% On Cash Advances: 11.50% On Balance Transfers: 11.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $20 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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ScotiaBank Value VISA Issued By: ScotiaBank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 11.40% On Cash Advances: 11.40% On Balance Transfers: 11.40% Grace Period: 26 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $29 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2%
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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WorldPoints MasterCard Issued By: Alterna Bank/Alterna Savings Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.99% On Cash Advances: 19.99% On Balance Transfers: 19.99% Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $29 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2.25%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One WorldPoints point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ If $10 + fees + interest amounts to less than 2.25% of the total balance, you only have to pay $10 + fees + interest.

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American Express AIR MILES Credit Card Issued By: Amex Bank of Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.50%[1] On Cash Advances: 18.50%[1] On Balance Transfers: 18.50%[1][2] Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%[3]
Reward Programs:	Air Miles: 1 per 20 Cash Back: No Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ If you miss a payment, the interest rate increases to 25.99%.
² 3.99% for the first 6 months.
³ The minimum payment is always at least $10 unless the balance is less than $10.

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Holt Renfrew Card from American Express Issued By: Amex Bank of Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.99%[1] On Cash Advances: 18.99%[1] On Balance Transfers: 18.99%[1][2] Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[3]
Reward Programs:	Air Miles: No Cash Back: No Other: One Holt Renfrew Rewards point for every $1 spent using the card.[4]
Requirements:	Minimum Income: $15000 Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ If you miss a payment, the interest rate increases to 25.99%.
² 5.99% for the first 6 months.
³ The minimum payment is always at least $10 unless the balance is less than $10.
⁴ 1.4 points per $1 spent at Holt Renfrew.

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Mosaik MasterCard with No Fee Reward option Issued By: BMO Bank of Montreal Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: 1 per 40 Cash Back: 0.5% Other: No
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: No

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Mosaik MasterCard with Silver 1/$20 Air Miles option Issued By: BMO Bank of Montreal Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 19 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $35 Annual Fee on Extra Cards: $5
Travel Protection:	Accident: Optional Cancellation: Optional Medical: Optional Car Rental: Optional Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: 1 per 20 Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: No

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Options MasterCard Issued By: Canadian Tire Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 10.99% to 25.99% On Cash Advances: 10.99% to 25.99% On Balance Transfers: 10.99% to 25.99% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: Canadian Tire money
Requirements:	Minimum Income: $12000 Minimum Limit: $300
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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CIBC Aero Classic VISA Card Issued By: CIBC Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $29 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2.1%
Reward Programs:	Air Miles: No Cash Back: No Other: One Aeroplan Mile for every $2 spent. 5,000 Aeroplan Miles the first time you use the card.
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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CIBC Classic VISA Card Issued By: CIBC Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2.1%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The average balance method is used in Quebec.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Citi MasterCard Issued By: Citibank Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2.1%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $750
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $20 unless the balance is less than $20.

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Coast VISA Desjardins Classic Issued By: Coast Capital Savings Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.40% On Cash Advances: 18.40% On Balance Transfers: 18.40% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: No Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: 0.5% of purchases are credited as BONUSDOLLARS.
Requirements:	Minimum Income: None Minimum Limit: None
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Desjardins Classic Issued By: Desjardins Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.40% On Cash Advances: 18.40% On Balance Transfers: 18.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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HBC MasterCard Issued By: GE Money Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.25% On Cash Advances: 19.25% On Balance Transfers: 19.25% Grace Period: 25 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3.3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: HBC Rewards
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $5 unless the balance is less than $5.

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HSBC Invitation Only MasterCard (with rewards) Issued By: HSBC Bank Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 22.90% On Cash Advances: 22.90% On Balance Transfers: 22.90% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $59 Annual Fee on Extra Cards: $35
Travel Protection:	Accident: No Cancellation: Optional Medical: Optional Car Rental: No Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One HSBC Travel & Merchandise Rewards point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: No

¹ The minimum payment is always at least $10 unless the balance is less than $10.

---

HSBC MasterCard (with rewards) Issued By: HSBC Bank Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $35 Annual Fee on Extra Cards: $35
Travel Protection:	Accident: No Cancellation: Optional Medical: Optional Car Rental: No Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One HSBC Travel & Merchandise Rewards point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Chase Gold MasterCard Issued By: JPMorgan Chase Bank NA Rating:

Classification: Gold Card Card

Annual Interest Rates:	On Purchases: 18.99% On Cash Advances: 18.99% On Balance Transfers: 18.99% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: No

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Black Issued By: Laurentian Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.49% On Cash Advances: 19.49% On Balance Transfers: 19.49% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $12000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Edition MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Husky/Mohawk MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $30 Annual Fee on Extra Cards: $10
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: 0.5%[2] Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.
² On purchases made at Husky/Mohawk, the cash back is 1%.

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Starbucks Duetto Visa Card Issued By: Royal Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: Up to 3% in Duetto dollars redeemable for Starbucks products. $5.00 is donated to the Ethos Foundation after the first use of the card.
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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Visa Classic Issued By: Royal Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $12000 Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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TD Green Visa Issued By: TD Canada Trust Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: Optional Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $12000 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Gold MasterCard Issued By: Capital One Bank Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 9.90% On Cash Advances: 18.3% On Balance Transfers: 9.90% Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $59 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Citi Gold MasterCard Issued By: Citibank Canada Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2.1%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $750
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $20 unless the balance is less than $20.

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Coast VISA Desjardins Elegance Gold Issued By: Coast Capital Savings Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 0.5% of purchases are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Elegance Gold Issued By: Desjardins Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 0.5% of purchases are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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HSBC Gold MasterCard (with rewards) Issued By: HSBC Bank Canada Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $95 Annual Fee on Extra Cards: $35
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: Yes Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One HSBC Travel & Merchandise Rewards point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Gold Passport Card Issued By: Laurentian Bank Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.49% On Cash Advances: 19.49% On Balance Transfers: 19.49% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $90 Annual Fee on Extra Cards: $25
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One Passport point for every $1 spent.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $50 unless the balance is less than $50.

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MBNA Gold MasterCard Issued By: MBNA Canada Bank Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 17.99% On Cash Advances: 19.99% On Balance Transfers: 19.99%[1] Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2.25%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $2500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 1.90% for the first 4 months.
² If $10 + fees + interest amounts to less than 2.25% of the total balance, you only have to pay $10 + fees + interest.

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Visa Gold Issued By: Royal Bank Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 17 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	$10 + Fees + Interest
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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No Fee ScotiaGold VISA Card Issued By: Scotiabank Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 26 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	2%
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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ScotiaGold Passport VISA Card Issued By: Scotiabank Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 26 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $110[1] Annual Fee on Extra Cards: $30
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2%
Reward Programs:	Air Miles: No Cash Back: No Other: One Scotia Rewards point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ $65 for those 65 years old or older.

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TD Gold Elite Visa Issued By: TD Canada Trust Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $99 Annual Fee on Extra Cards: $39
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Optional Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2%[1]
Reward Programs:	Air Miles: No Cash Back: 1% Other: No
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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TD Gold Select Visa Issued By: TD Canada Trust Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: Optional Car Rental: Yes Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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EnviroExpenseGold My VISA Rewards Plus Issued By: Vancity Credit Union Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $99 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One My Visa Rewards Plus point for every $1 spent.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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EnviroGold VISA My VISA Rewards Plus Issued By: Vancity Credit Union Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $99 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One My Visa Rewards Plus point for every $1 spent.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Desjardins Elegance Gold Issued By: Westminster Savings Credit Union Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: 0.5% of purchases are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Low Rate Gold HSBC MasterCard Issued By: HSBC Bank Canada Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 12.90% On Cash Advances: 12.90% On Balance Transfers: 12.90% Grace Period: 23 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $85 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: Yes Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Coast VISA Desjardins Platinum Issued By: Coast Capital Savings Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 9.40% On Cash Advances: 9.40% On Balance Transfers: 9.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $130 Annual Fee on Extra Cards: $40
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: Yes Cash Back: 1% Other: 1% of purchases made in Canadian dollars and 2% of purchases made in foreign currencies are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $75000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Desjardins Platinum Issued By: Desjardins Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 9.40% On Cash Advances: 9.40% On Balance Transfers: 9.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $130 Annual Fee on Extra Cards: $40
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: Yes Cash Back: 1% Other: 1% of purchases made in Canadian dollars and 2% of purchases made in foreign currencies are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $75000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Desjardins Platinum From WSCU Issued By: Westminster Savings Credit Union Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 9.40% On Cash Advances: 9.40% On Balance Transfers: 9.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $130 Annual Fee on Extra Cards: $40
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: Yes Cash Back: 1% Other: 1% of purchases made in Canadian dollars and 2% of purchases made in foreign currencies are credited as BONUSDOLLARS.
Requirements:	Minimum Income: $75000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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WorldPoints Platinum Plus MasterCard Issued By: Alterna Bank/Alterna Savings Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.99% On Cash Advances: 19.99% On Balance Transfers: 19.99% Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $29 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2.25%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One WorldPoints point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: No

¹ If $10 + fees + interest amounts to less than 2.25% of the total balance, you only have to pay $10 + fees + interest.

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Platinum Credit Card from American Express Issued By: Amex Bank of Canada Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 14.99%[1] On Cash Advances: 14.99%[1] On Balance Transfers: 14.99%[1][2] Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[3]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $30000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ If you miss a payment, the interest rate increases to 25.99%.
² 3.99% for the first 6 months.
³ The minimum payment is always at least $10 unless the balance is less than $10.

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Citi Platinum MasterCard Issued By: Citibank Canada Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 17.90% On Cash Advances: 17.90% On Balance Transfers: 17.90% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2.1%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $15000 Minimum Limit: $750
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $20 unless the balance is less than $20.

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Marriott Visa Issued By: JPMorgan Chase Bank NA Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.99% On Cash Advances: 19.99% On Balance Transfers: 0% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $75 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: Points towards travel, sports, leisure, and shopping.
Requirements:	Minimum Income: None Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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MBNA Platinum Plus MasterCard Issued By: MBNA Canada Bank Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 17.99% On Cash Advances: 19.99% On Balance Transfers: 19.99%[1] Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: Yes Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2.25%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $2500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 1.90% for the first 4 months.
² If $10 + fees + interest amounts to less than 2.25% of the total balance, you only have to pay $10 + fees + interest.

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MBNA WorldPoints Platinum Plus MasterCard Issued By: MBNA Canada Bank Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 19.99% On Cash Advances: 19.99% On Balance Transfers: 19.99% Grace Period: 25 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $29 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	2.25%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One WorldPoint for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $2500
Online:	Works Online: Yes Works with Paypal: Yes Website: No

¹ If $10 + fees + interest amounts to less than 2.25% of the total balance, you only have to pay $10 + fees + interest.

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British Airways Visa Platinum Issued By: Royal Bank Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 20.50% On Cash Advances: 20.50% On Balance Transfers: 20.50% Grace Period: 17 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $165[1] Annual Fee on Extra Cards: $75
Travel Protection:	Accident: Yes Cancellation: No Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: British Airways miles.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ $145 for those 65 years old or older.
² $55 for those 65 years old or older.

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RBC Cathay Pacific Visa Card Issued By: Royal Bank Rating:

Classification: Platinum Card

Annual Interest Rates:	On Purchases: 20.50% On Cash Advances: 20.50% On Balance Transfers: 20.50% Grace Period: 17 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $150[1] Annual Fee on Extra Cards: $75
Travel Protection:	Accident: Yes Cancellation: No Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: Yes
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: Asia miles.
Requirements:	Minimum Income: $35000 Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ $130 for those 65 years old or older.
² $55 for those 65 years old or older.

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CIBC Classic VISA Card for Students Issued By: CIBC Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: No extra cards
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2.1%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: $1200 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The average balance method is used in Quebec.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Shared Interest Classic Student My Visa Rewards Plus Issued By: Citizens Bank of Canada Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One My Visa Rewards Plus point for every $2 spent. For each transaction, 10 cents is donated to a non-profit organization.
Requirements:	Minimum Income: $600 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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CUETS Financial Student CHOICE REWARDS MasterCard With Reward Points Issued By: CUETS Financial Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 19.49% On Cash Advances: 19.49% On Balance Transfers: 19.49% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $24 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%
Reward Programs:	Air Miles: No Cash Back: No Other: 1 CHOICE REWARDS point for every $1 spent.
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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CUETS Financial Student CHOICE REWARDS MasterCard Issued By: CUETS Financial Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 19.49% On Cash Advances: 19.49% On Balance Transfers: 19.49% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Visa Classic Student Issued By: Royal Bank Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 18.50% On Cash Advances: 18.50% On Balance Transfers: 18.50% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	$10 + fees + interest
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

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TD Green Visa Student Issued By: TD Canada Trust Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 19.75% On Cash Advances: 19.75% On Balance Transfers: 19.75% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: Optional Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	2%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Enviro Classic VISA my VISA Rewards Plus Issued By: Vancity Credit Union Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 19.50% On Cash Advances: 19.50% On Balance Transfers: 19.50% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: One My Visa Rewards Plus point for every $2 spent.
Requirements:	Minimum Income: $600 Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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HSBC Invitation Only MasterCard Issued By: HSBC Bank Canada Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 22.90% On Cash Advances: 22.90% On Balance Transfers: 22.90% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $59 Annual Fee on Extra Cards: None
Travel Protection:	Accident: No Cancellation: Optional Medical: Optional Car Rental: No Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: No

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Sunoco MasterCard Issued By: National Bank Rating:

Classification: Standard Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $30 Annual Fee on Extra Cards: $10
Travel Protection:	Accident: No Cancellation: No Medical: No Car Rental: No Flight Delay: No Baggage: No Purchases: No
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $1000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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CUETS Financial Gold MasterCard Issued By: CUETS Financial Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.49% On Cash Advances: 19.49% On Balance Transfers: 19.49% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $96 Annual Fee on Extra Cards: $36
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $5000
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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CUETS Financial Low Fee Gold MasterCard Issued By: CUETS Financial Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.49% On Cash Advances: 19.49% On Balance Transfers: 19.49% Grace Period: 21 days Grace Eligibility: Two-month balance paid
Fees:	Annual Fee: $35 Annual Fee on Extra Cards: $12
Travel Protection:	Accident: Yes Cancellation: Yes Medical: No Car Rental: Yes Flight Delay: No Baggage: Yes Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $2500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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HSBC Gold MasterCard Issued By: HSBC Bank Canada Rating:

Classification: Gold Card

Annual Interest Rates:	On Purchases: 19.90% On Cash Advances: 19.90% On Balance Transfers: 19.90% Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: $60 Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Optional Medical: Optional Car Rental: Yes Flight Delay: Optional Baggage: Optional Purchases: Yes
Minimum Payment:	3%[1]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $500
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ The minimum payment is always at least $10 unless the balance is less than $10.

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Coast VISA Desjardins Student Issued By: Coast Capital Savings Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 18.40% On Cash Advances: 18.40% On Balance Transfers: 18.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: No Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $300
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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Visa FOR STUDENTS ONLY Issued By: Desjardins Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 18.40% On Cash Advances: 18.40% On Balance Transfers: 18.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: Yes Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $300
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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VISA Desjardins Student Issued By: Westminster Savings Credit Union Rating:

Classification: Student Card

Annual Interest Rates:	On Purchases: 18.40% On Cash Advances: 18.40% On Balance Transfers: 18.40%[1] Grace Period: 21 days Grace Eligibility: One-month balance paid
Fees:	Annual Fee: None Annual Fee on Extra Cards: None
Travel Protection:	Accident: Yes Cancellation: Yes Medical: Yes Car Rental: No Flight Delay: Yes Baggage: Yes Purchases: No
Minimum Payment:	3%[2]
Reward Programs:	Air Miles: No Cash Back: No Other: No
Requirements:	Minimum Income: None Minimum Limit: $300
Online:	Works Online: Yes Works with Paypal: Yes Website: Click here

¹ 4.90% for the first 5 statements.
² The minimum payment is always at least $10 unless the balance is less than $10.

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