Credit-Card-Guide.ca: Your guide to choosing the right credit card

Cash Back Credit Cards

Use cash back credit cards to get the equivalent of up to a 5% discount on your purchases. You can earn cash back whenever you make a purchase with your credit card. You can also click here to use our Credit Card Comparison Guide, where you can compare the cash back card offers by interest rate.

BMO CashBack MasterCard
	No annual fee 19.50% annual interest rate on purchases, cash advances and balance transfers 0.5% CashBack on every card purchase 1.5% CashBack at Shell 2, National Car Rental & Alamo Rent A Car

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.5 %	$0	Unknown	Yes

BMO CashBack MasterCard with Low Rate and 1% cash back option
	Low 11.9% interest rate available for an additional $35/year 0.5% CashBack on every card purchase 1.5% CashBack on all your card purchases at Shell locations in Canada 1.5% CashBack at National Car Rental & Alamo Rent A Car locations worldwide

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	11.9 %	$35	Unknown	Yes

CIBC Dividend Card®
	No annual fee Dividend Dollar Program This credit card pays you for using it – with up to 1% cash back on card purchases. 19.5% current regular annual interest rate Free additional cards (limit 3) $15,000 minimum annual household income

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.5%	$0	$15,000	Yes

CIBC Dividend Platinum® card
	$79 annual fee Dividend Dollar Program Enjoy exclusive features that even some gold cards don't offer, and get up to 2% cash back on card purchases. 19.5% current regular annual interest rate $30 per additional card (limit 3) $35,000 minimum annual household income

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.5%	$79	$35,000	Yes

HSBC MasterCard with CashBack or Travel Rewards
	$35 annual fee 19.9 % Annual Interest Rate on purchases and cash advances Choose your reward option: 1) HSBC Cash Back Rewards or 2) HSBC Travel & Merchandise Rewards Program (Receive a welcome bonus of 1,000 Rewards Points)

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Rewards
N/A	N/A	19.9%	$35	21 days	Yes

Scotia Momentum VISA card
	$39 annual fee 19.99% on purchases 21.99% on cash advances, balance transfers Minimum Credit Limit $500 Rewards up to 2% Moneyback reward every year on the purchases you've made with your card. Scotia® VISA Cheques - free of charge Up to 20% discount rates at Avis Car Rental

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.99%	$39	-	Yes

No-Fee Scotia Moneyback VISA card

No annual fee
19.50% on purchases
21.50% on cash advances, balance transfers
Minimum Credit Limit $1000
Rewards up to 1% Moneyback reward every year on the purchases you've made with your card.
Scotia® VISA Cheques - free of charge
Get a new No-Fee Scotia Moneyback® VISA* card before January 31, 2010 and earn Moneyback rewards+ plus a 7.99% introductory interest rate on purchases for the first six months.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.5%	$0	-	Yes

TD Gold Elite Visa Card
	$99 annual Fee Every time you use your TD Gold Elite Visa Card, you'll earn a 1% Cash Rebate on the net purchases charged to your Card and all Supplementary Cards. 19.75% current regular annual interest rate Authorized User Annual Fee: $39

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.75%	$99	-	Yes

Reward Credit Cards
Cash Back Credit Cards
Reward Credit Cards
Gas Cards
Travel Credit Cards

Everyday Credit Cards
Low Interest Credit Cards
No Annual Fee Credit Cards
Student Credit Cards
Secured Credit Cards

Other Credit Cards
Small Business Credit Cards
US Dollar Credit Cards
Store Credit Cards
Prepaid Credit Cards