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Best Credit Card Welcome Offers for August 2021

Aug. 18, 2021
12 mins
A young woman smiles while sitting on a patio with her laptop and a latte
Our top picks

Credit card

Welcome offer

Annual fee

1. American Express CobaltTM Credit Card

  • Earn up to 50,000 Membership Rewards® points.

$156 ($12.99 per month)

2. Scotiabank®* Gold American Express® Card

  • Earn up to 50,000 Scotia Rewards points.
  • This offer expires on August 31, 2021.

$120 (First year waived)

3. TD® Aeroplan® Visa Infinite* Card

  • Earn up to 25,000 Aeroplan points and a bonus Buddy Pass.
  • This offer expires on December 5, 2021.

$139 (First year rebated)

4. RBC Avion® Visa Infinite Card

  • Get 35,000 welcome points upon approval.
  • This offer expires on November 15, 2021.

$120

5. BMO CashBack World Elite* Mastercard*

  • Earn up to 10% cash back in the first three months.
  • This offer expires on October 31, 2021.

$120 (First year waived)

6. Scotia Momentum® Visa Infinite* Card

  • Earn up to 10% cash back in the first three months.
  • This offer expires on August 31, 2021.

$120 (First year waived)

7. Scotiabank PassportTM Visa Infinite* Card

  • Earn up to 40,000 Scotia Rewards points.
  • This offer expires on October 31, 2021.

$139 (First year waived)

8. WestJet RBC® World Elite Mastercard

  • Earn 350 welcome WestJet dollars after your first purchase.
  • Earn 2X WestJet dollars on groceries for three months.
  • This offer expires on August 31, 2021.

$119

9. MBNA Rewards Platinum Plus® Mastercard®

  • Earn 4 points for every $1 spent on grocery, restaurant, digital media, membership, and household utility purchases for 90 days.
  • Plus, earn up to 10,000 bonus points.

$0

10. SimplyCash™ Card from American Express

  • Earn up to 4% cash back for six months.

$0

11. Tangerine World Mastercard®

  • Get up to 10% cash back for two months.
  • This offer expires on September 14, 2021.

$0

12. Simplii Financial™ Cash Back Visa* Card

  • Get up to 10% cash back at restaurants and bars for the first four months.
  • Get a 9.99% interest rate on purchases for the first six months.

$0

13. mycredit Mastercard®

  • Get up to 8% cash back on pre-authorized payments and restaurant purchases for three months.
  • This offer expires on August 31, 2021.

$0

1. American Express CobaltTM Credit Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$875
+ Annual rewards
$1155
- Annual fee
$156
Total first year value
$1874
American Express CobaltTM Credit Card

card image
Welcome bonus
$875
AMEX Rewards points
Annual rewards
$1155
AMEX Rewards points
Annual fees:
$156
Interest rates:
20.99% on purchases • 21.99% on cash advances
2021 Winner – Best Overall Rewards Credit Card, Best Credit Card for Young Professionals, and Best Credit Card for Earning Travel Points.
Particularly great for individuals who live in the city, eat out often or order in.
Details at a glance Collapse details
Welcome bonus
$875
Annual rewards
$1155
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$875
+ Annual rewards
$1155
- Annual fee
$156
Total first year value
$1874
Annual fees:
$156
Interest rates:
20.99% on purchases
21.99% on cash advances
2021 Winner – Best Overall Rewards Credit Card, Best Credit Card for Young Professionals, and Best Credit Card for Earning Travel Points.
Particularly great for individuals who live in the city, eat out often or order in.
Details at a glance Collapse details

Best of Finance Winner: Best Overall Rewards Credit Card

New cardmembers of the American Express CobaltTM Credit Card can earn up to 50,000 Membership Rewards® points. Earn 2,500 points for each month in which you spend at least $500 on your card for 12 months. This could add up to 30,000 points in the first year. Plus, you can earn a Welcome Bonus of 20,000 Membership Rewards® points when you spend at least $3,000 on your card in the first three months.

Regular features and benefits of this card include:

  • Monthly fee: $12.99 ($155.88 annually)
  • Annual fee for additional cards: $0
  • Earn five points for every $1 spent on eligible restaurant and food delivery purchases in Canada.
  • Earn three points for every $1 spent on eligible streaming subscriptions in Canada.
  • Earn two points for every $1 spent on eligible travel and transit.
  • Earn one point for every $1 spent on all other purchases.

Get exclusive access to events and offers through American Express® Experiences and the Cobalt Perks program. This card also features travel insurance, mobile device insurance, and shopping coverage.

Offer expiry date: N/A (Subject to change without notice)

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2. Scotiabank®* Gold American Express® Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$500
+ Annual rewards
$744
- Annual fee (First Year Waived)
0
Total first year value
$1244
Scotiabank®* Gold American Express® Card

card image
Welcome bonus
$500
Scotia Rewards points
Annual rewards
$744
Scotia Rewards points
Annual fees:
$120 (First Year Waived)
Interest rates:
19.99% on purchases • 22.99% on cash advances
2021 Winner – Best Credit Card With No Foreign Transaction Fees for Long Stay Travellers, and Best Credit Card for Staying Home and Ordering In
Strong travel perks and 0% foreign transaction fees compliment great reward value reemable for Travel or Cashback (statement credit)
Details at a glance Collapse details
Welcome bonus
$500
Annual rewards
$744
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$500
+ Annual rewards
$744
- Annual fee (First Year Waived)
0
Total first year value
$1244
Annual fees:
$120 (First Year Waived)
Interest rates:
19.99% on purchases
0.00% on cash advances
2021 Winner – Best Credit Card With No Foreign Transaction Fees for Long Stay Travellers, and Best Credit Card for Staying Home and Ordering In
Strong travel perks and 0% foreign transaction fees compliment great reward value reemable for Travel or Cashback (statement credit)
Details at a glance Collapse details

Best of Finance Winner: Best Credit Card for Staying at Home and Ordering In
Best of Finance Winner: Best Credit Card With No Foreign Transaction Fees

The Scotiabank®* Gold American Express® Card offers up to 50,000 Scotia Rewards points. Earn 30,000 Scotia Rewards points when you spend at least $1,000 in the first three months and another 20,000 Scotia Rewards points when you spend at least $7,500 in the first 12 months. Plus, pay no annual fee for the first year, including on supplementary cards.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards: $29
  • Earn five Scotia Rewards points for every $1 spent on eligible grocery, restaurant, fast food, food delivery, food subscription, and entertainment purchases.
  • Earn three Scotia Rewards points for every $1 spent on eligible gas and daily transit purchases and select streaming services.
  • Earn one Scotia Rewards point for every $1 spent on all other purchases.

This card also features convenient perks for travellers. Get the Best Price Guarantee on airfare through the Scotia Rewards Travel Service, complimentary concierge services, and travel insurance coverage. Plus, pay no foreign transaction fees on foreign currency purchases, typically around 2.5%.

Offer expiry date: August 31, 2021

3. TD® Aeroplan® Visa Infinite* Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$850
+ Annual rewards
$570
- Annual fee (First Year Rebat)
0
Total first year value
$1420
TD® Aeroplan® Visa Infinite* Card

card image
Welcome bonus
$850
Aeroplan Points
Annual rewards
$570
Aeroplan Points
Annual fees:
$139 (First Year Rebate)
Interest rates:
19.99% on purchases • 22.99% on cash advances
Best Visa Aeroplan Credit Card in Canada
VIP benefits when travelling on Air Canada flights, plus great travel insurance
Details at a glance Collapse details
Welcome bonus
$850
Annual rewards
$570
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$850
+ Annual rewards
$570
- Annual fee (First Year Rebat)
0
Total first year value
$1420
Annual fees:
$139 (First Year Rebate)
Interest rates:
19.99% on purchases
22.99% on cash advances
Best Visa Aeroplan Credit Card in Canada
VIP benefits when travelling on Air Canada flights, plus great travel insurance
Details at a glance Collapse details

The TD® Aeroplan® Visa Infinite* Card offers up to 25,000 Aeroplan points and a bonus Buddy Pass. Earn 10,000 Aeroplan points when you make your first purchase on the card. Earn another 15,000 Aeroplan points and a bonus Buddy Pass when you spend at least $1,000 in the first 90 days (about three months). Plus, TD will rebate the annual fee for the primary cardholder and one additional cardholder for the first year.

Regular features and benefits of this card include:

  • Annual fee: $139
  • Annual fee for additional cards: $75
  • Earn 1.5 Aeroplan points for every $1 spent on eligible gas, grocery, and direct through Air Canada® purchases.
  • Earn one Aeroplan point for every $1 spent on all other purchases.

Access Visa Infinite Benefits, such as exclusive culinary experiences, and Air Canada travel benefits, such as savings on baggage fees, with this card. Also, get travel insurance, mobile device insurance, and shopping coverage.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

Offer expiry date: December 5, 2021

4. RBC Avion® Visa Infinite Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$750
+ Annual rewards
$527
- Annual fee
$120
Total first year value
$1157
RBC Avion® Visa Infinite

card image
Welcome bonus
$750
RBC Rewards points
Annual rewards
$527
RBC Rewards points
Annual fees:
$120
Interest rates:
19.99% on purchases • 22.99% on cash advances
Travellers earn points redeemable on flights through various airline rewards programs
Includes comprehensive travel insurance and generous mobile device insurance
Details at a glance Collapse details
Welcome bonus
$750
Annual rewards
$527
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$750
+ Annual rewards
$527
- Annual fee
$120
Total first year value
$1157
Annual fees:
$120
Interest rates:
19.99% on purchases
22.99% on cash advances
Travellers earn points redeemable on flights through various airline rewards programs
Includes comprehensive travel insurance and generous mobile device insurance
Details at a glance Collapse details

Get 35,000 welcome points upon approval for the RBC Avion® Visa Infinite Card. That is a travel value of up to $750.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards: $50
  • Earn one RBC Rewards point for every $1 spent on all purchases.
  • Earn an extra 25%, or 1.25 points, for every $1 spent on eligible travel-related purchases.

This card also features travel and mobile device insurance, shopping coverage, and additional savings at Preto-Canada and Rexall. Plus, get a 12-month complimentary DashPass subscription and pay $0 delivery fees on orders of $12 or more for a year with DoorDash.

Offer expiry date: November 15, 2021

5. BMO CashBack World Elite* Mastercard*

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$150
+ Annual rewards
$594
- Annual fee (First Year Waived)
0
Total first year value
$744
BMO CashBack World Elite* Mastercard*

card image
Welcome bonus
$150
BMO Cash Back Rewards
Annual rewards
$594
BMO Cash Back Rewards
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases • 22.99% on cash advances
Strong cash back reward rates in a variety of catagories 
Rare travel perks for a cashback card - includes lounge access and travel insurance
Details at a glance Collapse details
Welcome bonus
$150
Annual rewards
$594
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$150
+ Annual rewards
$594
- Annual fee (First Year Waived)
0
Total first year value
$744
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases
22.99% on cash advances
Strong cash back reward rates in a variety of catagories 
Rare travel perks for a cashback card - includes lounge access and travel insurance
Details at a glance Collapse details

Apply for the BMO CashBack World Elite* Mastercard* to earn up to 10% cash back for the first three months. Plus, pay no annual fee for the first year.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards: $50
  • Earn 5% cash back on your first $500 in groceries each month.
  • Earn 4% cash back on your first $300 in ground transportation each month.
  • Earn 3% cash back on your first $300 in automobile and vehicle fuel purchases each month, including electric vehicle charging.
  • Earn 2% cash back on your first $500 in recurring bill payments each month.
  • Earn 1% cash back on all other purchases.

This card features excellent everyday benefits as well as travel perks. Get roadside assistance for flat tires and towing, concierge services, travel insurance, and complimentary membership in Mastercard Airport Experiences provided by LoungeKey.

Offer expiry date: October 31, 2021

Related read: In the Ring: Scotia Momentum Visa Infinite Card vs. BMO CashBack World Elite Mastercard

6. Scotia Momentum® Visa Infinite* Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$564
- Annual fee (First Year Waived)
0
Total first year value
$564
Scotia Momentum® Visa Infinite* Card

card image
Welcome bonus
$0
Scotia Cash Back Rewards
Annual rewards
$564
Scotia Cash Back Rewards
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases • 22.99% on cash advances
2021 Winner – Best Overall Cash Back Credit Card
Includes comprehensive travel insurance and rare mobile device insurance
Details at a glance Collapse details
Welcome bonus
$0
Annual rewards
$564
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$564
- Annual fee (First Year Waived)
0
Total first year value
$564
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases
22.99% on cash advances
2021 Winner – Best Overall Cash Back Credit Card
Includes comprehensive travel insurance and rare mobile device insurance
Details at a glance Collapse details

Best of Finance Winner: Best Overall Cash Back Credit Card

The Scotia Momentum® Visa Infinite* Card offers 10% cash back for the first three months on up to $2,000 in total purchases. Plus, pay no annual fee for the first year, including on supplementary cards.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards: $50
  • Earn 4% cash back for every $1 spent on groceries and recurring bill payments.
  • Earn 2% cash back for every $1 spent on gas and daily transit.
  • Earn 1% cash back for every $1 spent on all other purchases.

Access Visa Infinite Benefits with this card, including concierge services and exclusive experiences through the Visa Infinite* Hotel Collection and Visa Infinite* Dining and Wine Country program. Also, get travel and mobile device insurance coverage.

Offer expiry date: August 31, 2021

7. Scotiabank PassportTM Visa Infinite* Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$324
+ Annual rewards
$354
- Annual fee (First Year Waived)
0
Total first year value
$678
Scotiabank PassportTM Visa Infinite* Card

card image
Welcome bonus
$324
Scotia Rewards points
Annual rewards
$354
Scotia Rewards points
Annual fees:
$139 (First Year Waived)
Interest rates:
19.99% on purchases • 22.99% on cash advances
Excellent card for frequent flyers!Includes strong travel insurance, lounge access and no foreign transaction fees
Earn Scoita Rewards points that are redeemable for Travel or Cashback (statement credits)
Details at a glance Collapse details
Welcome bonus
$324
Annual rewards
$354
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$324
+ Annual rewards
$354
- Annual fee (First Year Waived)
0
Total first year value
$678
Annual fees:
$139 (First Year Waived)
Interest rates:
19.99% on purchases
22.99% on cash advances
Excellent card for frequent flyers!Includes strong travel insurance, lounge access and no foreign transaction fees
Earn Scoita Rewards points that are redeemable for Travel or Cashback (statement credits)
Details at a glance Collapse details

Apply for the Scotiabank PassportTM Visa Infinite* Card to earn up to 40,000 Scotia Rewards points in the first year.

Get 30,000 Scotia Rewards points when you spend at least $1,000 on the card in the first three months. Get another 10,000 Scotia Rewards points when you spend at least $40,000 on the card annually.

Plus, pay no annual fee for the first year, including on supplementary cards and get 5X the Scotia Rewards points on travel for the first three months on up to $2,500 in total travel purchases.

Regular features and benefits of this card include:

  • Annual fee: $139
  • Annual fee for additional cards: $0 for the first additional card, $50 after
  • Earn two Scotia Rewards points for every $1 spent on eligible grocery, dining, entertainment, and daily transit purchases.
  • Earn one Scotia Rewards point for every $1 spent on all other purchases.

Access excellent travel perks with this card. Get the Best Price Guarantee on airfare through the Scotia Rewards Travel Service, complimentary Priority Pass™ membership with six free visits annually and travel insurance coverage. Plus, pay no foreign transaction fees online and abroad, typically around 2.5% on foreign currency purchases.

Offer expiry date: October 31, 2021

8. WestJet RBC® World Elite Mastercard

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$450
+ Annual rewards
$372
- Annual fee
$119
Total first year value
$703
WestJet RBC® World Elite Mastercard

card image
Welcome bonus
$450
WestJet Dollar Rewards
Annual rewards
$372
WestJet Dollar Rewards
Annual fees:
$119
Interest rates:
19.99% on purchases • 22.99% on cash advances
Great card for frequent WestJet travellers
Includes comprehensive insurance, access perks and unique travel benefits
Details at a glance Collapse details
Welcome bonus
$450
Annual rewards
$372
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$450
+ Annual rewards
$372
- Annual fee
$119
Total first year value
$703
Annual fees:
$119
Interest rates:
19.99% on purchases
22.99% on cash advances
Great card for frequent WestJet travellers
Includes comprehensive insurance, access perks and unique travel benefits
Details at a glance Collapse details

Get 350 welcome WestJet dollars when you make your first purchase using the WestJet RBC® World Elite Mastercard. Plus, earn 2X the WestJet dollars on grocery, restaurant, and food delivery purchases for the first three months.

Regular features and benefits of this card include:

  • Annual fee: $119
  • Annual fee for additional cards: $59
  • Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages using your card.
  • Earn 1.5% back in WestJet dollars on all purchases.

Receive an annual World Elite round-trip companion voucher and get a reduced rate for your travelling companion when you book a full-fare ticket. Also, get travel insurance and savings on baggage fees.

Plus, get a 12-month complimentary DashPass subscription and pay $0 delivery fees on orders of $12 or more with DoorDash.

Offer expiry date: August 31, 2021

9. MBNA Rewards Platinum Plus® Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$163
+ Annual rewards
$340
- Annual fee
$0
Total first year value
$503
MBNA Rewards Platinum Plus® Mastercard®

card image
Welcome bonus
$163
MBNA Rewards points
Annual rewards
$340
MBNA Rewards points
Annual fees:
$0
Interest rates:
19.99% on purchases • 24.99% on cash advances
2021 Winner – Best No-Fee Travel Credit Card
Flexible rewards redeemable for travel or cash back
Details at a glance Collapse details
Welcome bonus
$163
Annual rewards
$340
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$163
+ Annual rewards
$340
- Annual fee
$0
Total first year value
$503
Annual fees:
$0
Interest rates:
19.99% on purchases
24.99% on cash advances
2021 Winner – Best No-Fee Travel Credit Card
Flexible rewards redeemable for travel or cash back
Details at a glance Collapse details

Best of Finance Winner: Best No-Fee Travel Credit Card

The recently revamped MBNA Rewards Platinum Plus® Mastercard® offers four points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases for 90 days (about three months), up to the $10,000 annual spend cap.

Plus, earn 5,000 bonus points after you spend at least $500 in eligible purchases during the first 90 days and another 5,000 bonus points for signing up for paperless e-statements within the same period. That is up to 10,000 bonus points.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Earn two points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $10,000 is spent annually in the categories.
  • Earn one point for every $1 spent on all other purchases.

This card recently got a new perk: cardholders will receive Birthday Bonus Points each year up to 10,000 points. Additionally, mobile device insurance is now on the list of features.

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

Offer expiry date: N/A (Subject to change without notice)

10. SimplyCash™ Card from American Express

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$165
+ Annual rewards
$300
- Annual fee
$0
Total first year value
$465
SimplyCash™ Card from American Express

card image
Welcome bonus
$165
AMEX Cashback Rewards
Annual rewards
$300
AMEX Cashback Rewards
Annual fees:
$0
Interest rates:
19.99% on purchases • 21.99% on cash advances
2021 Winner – Best No-Frills Cash Back Credit Card
Straigtforward, no fee card with a generous 6 month welcome offer
Details at a glance Collapse details
Welcome bonus
$165
Annual rewards
$300
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$165
+ Annual rewards
$300
- Annual fee
$0
Total first year value
$465
Annual fees:
$0
Interest rates:
19.99% on purchases
21.99% on cash advances
2021 Winner – Best No-Frills Cash Back Credit Card
Straigtforward, no fee card with a generous 6 month welcome offer
Details at a glance Collapse details

Best of Finance Winner: Best No-Fee Cash Back Credit Card

Apply for the SimplyCash™ Card from American Express to earn 4% cash back for the first six months on up to $5,000 in total purchases. That is up to $200 cash back.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Earn 1.25% unlimited cash back on all purchases after the promotional rate expires.

Access American Express® Experiences for exclusive offers and curated events. Plus, get basic travel insurance and shopping coverage on this card.

Offer expiry date: N/A (Subject to change without notice)

11. Tangerine World Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$100
+ Annual rewards
$309
- Annual fee
$0
Total first year value
$409
Tangerine World Mastercard®

card image
Welcome bonus
$100
Money-Back Rewards
Annual rewards
$309
Money-Back Rewards
Annual fees:
$0
Interest rates:
19.95% on purchases • 19.95% on cash advances
Flexible no fee card that gives you the ability to choose what categories earn you the most cash back
Includes rare mobile device insurance
Details at a glance Collapse details
Welcome bonus
$100
Annual rewards
$309
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$100
+ Annual rewards
$309
- Annual fee
$0
Total first year value
$409
Annual fees:
$0
Interest rates:
19.95% on purchases
19.95% on cash advances
Flexible no fee card that gives you the ability to choose what categories earn you the most cash back
Includes rare mobile device insurance
Details at a glance Collapse details

The Tangerine World Mastercard® offers 10% cash back for the first two months on up to $1,000 in total purchases. That is up to $100 cash back.

Plus, get a 1.95% promotional interest rate on balance transfers made within the first 30 days of opening the account for six months. A 1% balance transfer fee does apply to amounts transferred.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Earn 2% cash back in up to three Money-Back Categories of your choice. Start with two categories and earn the third when depositing your rewards into a Tangerine Savings Account. Choose from the following 10 Money-Back Categories: grocery, furniture, restaurants, hotel-motel, gas, recurring bill payments, drugstore, home improvement, entertainment, and public transportation and parking. Switch your categories as your spending habits change.
  • Earn 0.50% cash back on all other purchases.

Stay connected with Boingo Wi-Fi for Mastercard®* and access over one million Wi-Fi hotspots worldwide. Receive offers and discounts through Mastercard® Airport Experiences Provided by LoungeKey. Plus, get shopping coverage, mobile device insurance, and rental car collision/loss damage insurance with this card.

Offer expiry date: September 14, 2021

12. Simplii Financial™ Cash Back Visa* Card

Apply for the Simplii Financial™ Cash Back Visa* Card to earn 10% cash back at restaurants and bars for the first four months on up to $500 in total purchases. Earn the usual 4% cash back rate and get an additional 6% back for a limited time. That is up to $30 cash back. Plus, get a 9.99% introductory interest rate on purchases for the first six months.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Earn 4% cash back on eligible restaurant, bar, and coffee shop purchases until $5,000 is spent annually.
  • Earn 1.5% cash back on eligible gas, groceries, drugstore purchases, and recurring bill payments until $15,000 is spent annually.
  • Earn 0.5% unlimited cash back on all other purchases.

Send money abroad with a Simplii Financial Global Money Transfer and pay no transaction fees or interest charges as long as you pay your balance on time. This card also features basic shopping coverage.

Offer expiry date: N/A (Subject to change without notice)

13. mycredit Mastercard®

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$138
- Annual fee
$0
Total first year value
$138
mycredit Mastercard®

card image
Welcome bonus
$0
National Bank Cash Back Rewards
Annual rewards
$138
National Bank Cash Back Rewards
Annual fees:
$0
Interest rates:
20.99% on purchases • 22.49% on cash advances
A no annual fee card that earns you money back on all of your purchases
Includes rare Mobile Device insurance!
Details at a glance Collapse details
Welcome bonus
$0
Annual rewards
$138
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual rewards
$138
- Annual fee
$0
Total first year value
$138
Annual fees:
$0
Interest rates:
20.99% on purchases
22.49% on cash advances
A no annual fee card that earns you money back on all of your purchases
Includes rare Mobile Device insurance!
Details at a glance Collapse details

The mycredit Mastercard® from National Bank offers 8% cash back on eligible pre-authorized payments, restaurant, and delivery purchases up to $1,500 spent in the first three months.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Earn 1% cash back for every $1 spent on restaurant purchases and pre-authorized payments.
  • Earn 0.5% cash back for every $1 spent on all other eligible purchases.

This card also features mobile device insurance and basic shopping coverage.

Offer expiry date: August 31, 2021

Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. RATESDOTCA may receive a referral fee from our partners or affiliate links featured on the site; however, our editorial choices are objective and free from bias. The opinions expressed in this article are purely those of RATESDOTCA; thus, the credit card issuers and partners are not responsible for any editorials or reviews that may appear. Please visit the associated website for complete and current terms and conditions on any product or service mentioned. The information in this article is accurate as of the date of this posting, August 18, 2021. Read our full disclaimer.

This article was originally published on August 4, 2021, and has since been updated.

Hayley Vesh

Hayley Vesh is a creative, resourceful, and knowledgeable content producer who is passionate about financial literacy, storytelling, and generating ideas. She writes about credit cards, savings, debt management, and personal finance. In her spare time, Hayley can be found wandering in the woods, hunting for second-hand treasures, or curled up with a steeped tea and a good podcast.

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