List of Canadian Credit Cards with Reward Programs

Shared Interest Classic My Visa Reward Plus 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: $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.

Low Interest Rate Coast VISA Desjardins Classic

Issued By: Coast Capital Savings

Rating:

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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.

Enviro Classic VISA Low Interest Rate and Rewards option

Issued By: Vancity Credit Union

Rating:

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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.

Shared Interest Classic My Visa Reward Plus option

Issued By: Citizens Bank of Canada

Rating:

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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.

VISA Black Reward Me card

Issued By: Laurentian Bank

Rating:

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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.

RBC Rewards Visa Classic

Issued By: Royal Bank

Rating:

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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

CIBC Aerogold VISA Card

Issued By: CIBC

Rating:

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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.

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

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.

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.

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.

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.

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.

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.

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.

No Hassle Rewards Platinum MasterCard

Issued By: Capital One Bank

Rating:

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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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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

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

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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

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.

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.

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

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

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

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

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.

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

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

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

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

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.

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.

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.

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.

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.

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

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.