Special Offer Terms and Conditions

These Terms and Conditions ("Terms") are applied to this Rates.ca promotional offer ("Promotion"). These Promotions are only available through Rates.ca and are only valid online through the Rates.ca website.

Information on how to apply for a Promotion is part of these Terms.

Any individual who participates in a Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

These Promotions are not valid in conjunction with any other promotions or offers, which Rates.ca may offer from time to time.

The Scotiabank Cash Bonus Promotion commences at 9:00 AM EST on July 2 and closes at 4:00 PM EST on July 31, 2025 ("Offer Period").

In order to qualify for the Promotion, Participants must:

- Be a Scotiabank Gold American Express Card, Scotiabank Momentum® Visa Infinite* credit cardholder of the credit card you apply for. This Promotion is open to New subscribers only; not valid for renewals, re-enrolments, or upgrades online.

- Click on the specified link, which may change from time to time without prior notice from Rates.ca, on the Rates.ca website to apply for the featured credit card. Applications must originate from the specified link on the Rates.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.

- Complete the Scotiabank online credit card application and receive confirmation from the Issuer that the application has been approved.

- You must first provide your information to Rates.ca, then click through the 'Apply Online' button to be transferred to the Scotiabank’s secure online credit card application form. Complete the online application form and submit it to Scotiabank - your application is finished, which must match the details used to apply for the credit card exactly. If any details are inconsistent or do not match, then the Promotion is invalid.

- Authorize Rates.ca to receive information regarding credit card approval status, and the time and date of approval or decline.

Neither Rates.ca nor the Issuer is responsible for email address inaccuracies provided by the Participant. Rates.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer.

Rates.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by Scotiabank. Scotiabank’s decision is final and no correspondence with the Participant will be entered into.

Rates.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

The Tangerine Promotion commences at 2:30 PM EST on May 23, and closes at 4:00 PM EST on June 15, 2025 ("Offer Period").

In order to qualify for the Promotion, Participants must:

- Be a Tangerine Money-Back Credit Card or Tangerine World Mastercard®, credit cardholder of the credit card you apply for. This Promotion is open to New subscribers only; not valid for renewals, re-enrolments, or upgrades online. In the event that you are approved for the Secured version of any of these credit cards, you will not be eligible for the cash bonus from Rates.ca. Note - To be considered a "New" cardholder by Tangerine, you must not have held a Tangerine account within the last 12 months prior to your application.

- Complete the Tangerine online credit card application and receive confirmation from the Issuer that the application has been approved.

- You must first provide your information to Rates.ca, then click through the 'Apply Online' button to be transferred to the Tangerine’s secure online credit card application form. Complete the online application form and submit it to Tangerine - your application is finished, which must match the details used to apply for the credit card exactly. If any details are inconsistent or do not match, then the Promotion is invalid.

- Authorize Rates.ca to receive information regarding credit card approval status, and the time and date of approval or decline.

Rates.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by Tangerine. Tangerine’s decision is final and no correspondence with the Participant will be entered into.

Rates.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

The Rogers Bank Promotion commences at 10:00 AM EST on May 9, and closes at 4:00 PM EST on June 30, 2025 ("Offer Period").

In order to qualify for the Promotion, Participants must:

- Be a Rogers Red Mastercard® or Rogers Red World Elite Mastercard®, credit cardholder of the credit card you apply for. This Promotion is open to New subscribers only; not valid for renewals, re-enrolments, or upgrades online. In the event that you are approved for the Secured version of any of these credit cards, you will not be eligible for the cash bonus from Rates.ca.

- Complete the Rogers Bank online credit card application and receive confirmation from the Issuer that the application has been approved.

- You must first provide your information to Rates.ca, then click through the 'Apply Online' button to be transferred to the Rogers Bank’s secure online credit card application form. Complete the online application form and submit it to Rogers Bank - your application is finished, which must match the details used to apply for the credit card exactly. If any details are inconsistent or do not match, then the Promotion is invalid.

- Authorize Rates.ca to receive information regarding credit card approval status, and the time and date of approval or decline.

Rates.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by Rogers Bank. Rogers Bank’s decision is final and no correspondence with the Participant will be entered into.

Rates.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

The Neo Financial Promotion commences at 10:00 AM EST on April 7, and closes at 4:00 PM EST on June 27, 2025 ("Offer Period").

In order to qualify for the Promotion, Participants must:

- Be a New Neo Mastercard, Neo World Mastercard® or Neo World Elite Mastercard®, credit cardholder of the credit card you apply for. This Promotion is open to New subscribers only; not valid for renewals, re-enrolments, or upgrades online. In the event that you are approved for the Secured version of any of these credit cards, you will not be eligible for the cash bonus from Rates.ca.

- Complete the Neo Financial online credit card application and receive confirmation from the Issuer that the application has been approved.

- You must first provide your information to Rates.ca, then click through the 'Apply Online' button to be transferred to the Neo Financial’s secure online credit card application form. Complete the online application form and submit it to Neo Financial - your application is finished, which must match the details used to apply for the credit card exactly. If any details are inconsistent or do not match, then the Promotion is invalid.

- Authorize Rates.ca to receive information regarding credit card approval status, and the time and date of approval or decline.

Rates.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by Neo Financial. Neo Financial’s decision is final and no correspondence with the Participant will be entered into.

Rates.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

The Scotiabank $100 Cash Bonus Promotion commences at 10:00 AM EST on May 1 and closes at 4:00 PM EST on June 30, 2025 ("Offer Period").

In order to qualify for the Promotion, Participants must:

- Be a Scotiabank Momentum® Visa Infinite* credit cardholder of the credit card you apply for. This Promotion is open to New subscribers only; not valid for renewals, re-enrolments, or upgrades online.

- Complete the Scotiabank online credit card application and receive confirmation from the Issuer that the application has been approved.

- Authorize Rates.ca to receive information regarding credit card approval status, and the time and date of approval or decline.

Rates.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

The Scotiabank $150 Cash Bonus Promotion commences at 10:00 AM EST on March 27, and closes at 4:00 PM EST on June 30, 2025 ("Offer Period").

In order to qualify for the Promotion, Participants must:

- Be a New Scotiabank Passport® Visa Infinite* credit cardholder of the credit card you apply for. This Promotion is open to New subscribers only; not valid for renewals, re-enrolments, or upgrades online.

- Complete the Scotiabank online credit card application and receive confirmation from the Issuer that the application has been approved.

- Authorize Rates.ca to receive information regarding credit card approval status, and the time and date of approval or decline.

Rates.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

The MBNA Promotion commences at 10:00 AM EST on January 6, 2025, and closes at 4:00 PM EST on June 30, 2025 ("Offer Period").

In order to qualify for the Promotion, Participants must:

- Be a New MBNA True Line Mastercard® credit cardholder. This Promotion is open to New subscribers only; not valid for renewals, re-enrolments, or upgrades online.

- Complete the MBNA online credit card application and receive confirmation from the Issuer that the application has been approved.

- You must first provide your information to Rates.ca, then click through the 'Apply Online' button to be transferred to the secure online MBNA credit card application form. Complete the online application form and submit it to MBNA - your application is finished, which must match the details used to apply for the credit card exactly. If any details are inconsistent or do not match, then the Promotion is invalid.

- Authorize Rates.ca to receive information regarding credit card approval status, and the time and date of approval or decline.

Rates.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by MBNA. MBNA’s decision is final and no correspondence with the Participant will be entered into.

Rates.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

Participants consent to Rates.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. Rates.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. Rates.ca is not responsible in any way for the approval of the credit card applications. Please review Rates.ca Privacy Policy, which also governs this Promotion.

Neither Rates.ca, nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by Rates.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion. In the case of a dispute, the Issuer may require up to 5 weeks following the submission of the cash bonus inquiry form to provide the results of the investigation to Rates.ca. After which, Rates.ca will send an email informing you if you are approved for the offer or not. To be validated disputes must be submitted via the gift card inquiry form within 3 months of application. Rates.ca is unable to honor disputes that occur once this 3-month time period has expired.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Rates.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are the age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: May 30, 2025.

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Special Offer Terms and Conditions

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