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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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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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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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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 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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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 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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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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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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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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