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KOHO offers a spending account with a reloadable prepaid Mastercard. You need to put money into your account, making it similar to a debit account verses a traditional credit card. Yet unlike a debit card, you earn cash back on all your purchases and can use your card wherever Mastercard is accepted (such as online, or worldwide in-store).The Perks
You can get your paycheque deposited directly into your KOHO account, or periodically put money into your account. Since you can’t spend more than what’s in your account, KOHO helps you spend smarter, save more, and avoid credit card interest! The KOHO app helps you manage your money by giving you real-time insights into your spending. There are also savings features that help you to stash away savings without realizing it.
Is it a travel rewards card? A dining card? A gas and grocery cashback card? With the Neo Card, the answer is yes, and more.Cashback
With Neo, there are no limits to the amount of instant cashback you can earn. Just use your Neo Card wherever you shop and collect cashback you can use immediately.Extra Rewards With Bundles
Get the extra rewards you want, together on one credit card. Choose from different Bundle themes, each with a unique combination of boosted cashback, app subscriptions, and insurances. Subscribe to one, or stack a few together on your Neo Card to create your very own ultimate rewards experience.
The Tangerine Money-Back card has a 2% money back feature. Cardholders can also decide how the 2% cash back is earned. There are up to 10 different categories that you can pick from. The purchase interest rate is 19.95% with a special welcome offer of 15% cash back on the first $1,000 spent with the card.Extras
You can get extra cards for authorized users free of charge. You also get protection against fraud through MasterCard zero liability and purchase insurance covering theft and others. Plus get an extended warranty for up to one additional year on your purchases.Eligibility
You might be eligible for this card if you earn a $60,000 personal annual income or a $100,000 household annual income. The recommended credit score is 660 to 720. And of course you must be a Canadian citizen or resident up to the age of majority in the residential province or territory.
In addition to offering you travel benefits, the National Bank® World Elite® Mastercard® helps you earn rewards points that vary according to the categories of common purchases.Points Rewards
Earn 5 points for every dollar in eligible grocery and restaurant purchases up to $2,500. Earn 2 points for every dollar spent on gas and EV charging and reoccuring bill payment. Earn 1 point per dollar spent on everything else.Eiligibility
To be eligible for the National Bank® World Elite® Mastercard® you must be the age of majority in your province. You'll also need to be a Canadian resident and have an individual income of $80,000 per year or $150,000 for your household.
This card is sleek, stainless steel, personally engraved – and fully loaded with benefits that fall into step whether you’re downtown or in another time zone.Rewards
From everyday expenses to subscriptions and more, you can redeem your membership rewards points towards eligible card purchases. You can access over $1,000 in value every year with Amex offersRequirements
You must be a Canadian resident with previous credit history to be eligible to apply for this card.
The NBC ECHO® Cashback card is best suited for individuals who do a lot of shopping online. You get the perk of an extended warranty that can make the manufacturers' warranty period extend up to 1 year.Rates
The purchase interest rate rate for this card is 20.99%. The balance transfer and cash advance rate is 22.49%.Perks and Eligibility
You can earn up to 1.5% cash back for online shopping, buying gas, and groceries. You also get 1% cashback for buying every other items. There is no minimum income to define eligibility. However, it is advised that you have yearly earnings of $15,000 before you apply. This amount does not apply to students. A credit score of up to 660 is necessary, in addition to being a Canadian citizen or permanent resident. You must have reached the age of majority in the province in which you live.
The CIBC Dividend Visa Card is a zero-fee card that has a cashback policy. It is accessible to individuals globally. The CIBC online banking and the CIBC mobile banking app help you access your cashback.Terms
This card also protects against fraud. You can replace a card, report a stolen card, and activate a new one through their mobile app. You'll be eligible for cashback rewards of up to 2% on groceries and 1% cashback on other purchases. An interest rate of 20.99% and an annual balance transfer rate is 22.99% apply.Perks & Eligibility
This card offers some insurance as there is extended warranty protection insurance for 1 year. In addition to the warranty, there is purchase protection insurance for 90 days. You can get credit report alerts and set up alerts through online banking when you exceed your spending limit. Eligibility is determined by an income of at least $15,000 per year and a credit score of about 670.
This card is suited for frequent travellers. It's even better for those who are not tied to a particular airline. It is also great for those who book travel often and want flexible redemption options.Rates
There is a 1.5% earn rate for every $1 purchased, worth 3TD points. This card also gets you a 4.5% earn rate per $1 on purchases made when you use ExpediaForTD.com to book your travels, worth 9 TD points.Insurance & Eligibility
Get insurance cover of $1 million for the first 21 days of a trip. You'll be charged an interest rate of 19.99% on purchases and 22.99% for cash advances and balance transfers of 22.99% with this card. But you can get a 20% discount to access lounges across the world. Eligibility for this card is defined by personal income of $60,000 or household income of $100,000.
There are excellent cardholder perks like travel benefits. This benefit covers car rental loss and a collision damage waiver. You can earn up to a maximum annual referral bonus of $1,500 cash back for approved referrals. There is also a spending limit placed on each card.Fees
This card has a foreign transaction fee of 2.7% and the interest rate varies between 14.49% - 21.49%. You get 5% cash back on spending up to $50,000 a year and 3% cash back on up to $50,000 in a year. Although, this is for a specified list of options. There is also a 1% cash back on all other spending.Terms
You'll be limited in how much you can spend based on your assigned credit limit. The limit is adjusted gradually with the use of the card. Factors like payment history and credit records play a role.
This card is helpful for people who carry a balance through the month. It is also for those who want ways to pay down previous debt from other credit cards. This card offers a convenient payment plan for large purchases.Rates
There is a standard annual interest rate of 8.99% on purchases. An 8.99% interest rate is available for balance transfers and to access cheques. Another 24.99% interest rate is applicable for cash advances.Perks and Eiligibility
You can use available credit on your credit card to transfer funds to your checking account. You can add up to 9 users with no additional fees necessary. There is no minimum income eligibility, although you need to be a Canadian citizen or resident. You should also be up to the age of majority in your residential province or territory. There is also a mobile app that can be used on the go. It is easy to navigate and the interface is friendly.
With the Loop Corporate Card spend in four currencies with one card and unlock real purchasing power with credit limits that scale with you.Multi-Currency
This card is great for businesses who need to spend in Canadian Dollar, US Dollar, Euro, and GBP. You can make transactions in any of these currencies without extra foreign transaction fees. Plus your Loop account allows you to pay in the currency you spend, saving you on currency conversion.Grows With You
Your credit limit on the card grows with you as you spend so you always have access to the funds you need. Plus with Loop you get 55 days free of interest instead of the standard 25.
Jeeves offers an all-in-one expense management platform serving 4,000+ clients in 25+ countries.Perks
Empower your employees with the freedom to use their own corporate cards while earning up to 3% cashback and benefits.Financing
Access capital in the currency of your choice in less than 24 hours. Flexible financing that works for you, on your terms.
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The best credit card to get depends on the type of rewards you want and how you'll use the card. But for all-around usability and rewards we recommend the MBNA Rewards Platinum Plus® Mastercard® with $0 annual fee.
Take a look at the type of spending you usally use your credit card for and consider what rewards you want to earn. Then take a look at the recommended cards and categories at Comparewise to find the best match for you.
The MBNA True Line® Gold Mastercard® credit card has a low rate of 8.99% followed by the MBNA True Line® Mastercard® credit card with a rate of 12.99%.
Try to have a limit of five credit cards at once. If you get any more you may have trouble keeping track of your spending and paying the bills on time.
Credit cards are available for those with poor credit scores and limited credit history. You should try to accrue 3 years of credit history or a minimum credit score of 300 before applying for a credit card.