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

Quick Comparison Guide

Card	Interest Rate	Annual Fee/Additonal Card Fee
BMO
BMO Preferred Rate MasterCard No Fee Reward Option	17.50 %	Nil
BMO Preferred MasterCard with Low Rate	11.90%	$25
BMO CashBack MasterCard with Low Rate and 1% cash back option	11.90%	$35
BMO AIR MILES MasterCard with Low Rate option	11.90%	$35
BMO Gold Air Miles MasterCard with Low Rate	11.90%	$134
BMO Premium CashBack MasterCard	19.50 %	$49
BMO CashBack MasterCard No Fee	19.50 %	Nil
BMO AIR MILES MasterCard	19.50 %	Nil
BMO Gold Air Miles MasterCard	19.50 %	$99
BMO SPC AIR MILES MasterCard	19.50 %	Nil
BMO SPC CashBack MasterCard	19.50 %	Nil

CapitalOne
SmartLine Platinum™ MasterCard® with no annual fee	5.99%	Nil
Miles Platinum MasterCard® with No Hassle Rewards™	Prime + 17.55%	Nil
Cash Back Platinum MasterCard® with No Hassle Rewards™	Prime + 17.55%	Nil
Miles Plus Platinum MasterCard® with No Hassle Rewards™	Prime + 17.55%	$99
Cash Back Plus Platinum MasterCard® with No Hassle Rewards™	Prime + 17.55%	$99
CapitalOne Gold MasterCard	19.8%	$59
CapitalOne Low Rate Guaranteed MasterCard	14.90%	$79
Capital One ® Cash Back Guaranteed MasterCard® for Gas & Groceries	19.8%	$79
Capital One ® Guaranteed Secured MasterCard®	19.80%	$59
Capital One ® Low Rate Guaranteed Secured MasterCard®	14.9%	$69
Capital One ® Guaranteed MasterCard® for Newcomers	19.80%	$59

CIBC
CIBC Aero Classic VISA card	19.99%	$29/Nil
CIBC Aventura™ Gold VISA* Card	19.99%	$120/$50
CIBC Dividend™ Card	19.99%	Nil/Nil
CIBC Classic Card	19.99%	Nil/Nil
CIBC US Dollar Card	19.99%	US $35/Nil
CIBC Gold VISA Card	19.99%	$99/$30
CIBC Aerogold* Card	19.99%	$120/$50
CIBC Platinum VISA card	19.99%	Nil/Nil
CIBC Dividend Platinum™ card	19.99%	$79/$30
CIBC Select VISA Card	11.99%	$29/Nil
CIBC Shoppers Optimum/Pharmaprix Optimum VISA* card	No longer Available	-

	N/A	N/A

CITI
Citi MasterCard	19.90%	Nil
Citi Gold MasterCard	19.90%	Nil
Citi Platinum MasterCard	19.90%	Nil
Citi Driver's Edge Platinum MasterCard	19.90%	Nil
Citi Enrich MasterCard	19.90%	Nil
Citi PETRO-POINTS MasterCard	19.90%	Nil
Citi Sobeys MasterCard	19.99%	Nil
Citi STAPLES easyRewards MasterCard	19.90%	Nil

Citizens Bank
Citizens Bank Gold Visa	19.5%	$99/Nil
Citizens Bank Gold Visa Low Rate Option	11.25%	$45
Citizens Bank Gold Visa with Rewards and Low Rate Option	11.25%	$145
Citizens Bank Shared Interest Visa	19.5%	Nil
Citizens Bank Shared Interest Visa Low Rate Option	11.25%	$25
Citizens Bank Shared Interest Visa with Rewards and Low Rate Option	11.25%	$50
Citizens Bank Shared Interest Student Visa	19.5%	Nil

DESJARDINS
Desjardins VISA for Students	19.4%	Nil
Desjardins Classic	19.4%	Nil
Desjardins Elegance GOLD	19.9%	Nil
Desjardins Modulo Gold	9.9 %	$50
Desjardins Odyssey GOLD	19.4%	$90

Laurentian Bank
VISA Black Card	19.99%	Nil
VISA Black RewardMe Card	19.99%	$19.92
VISA Gold Passport card with insurance Program	19.99%	$90/$25
VISA Black card for students	19.99%	Nil
VISA Black RewardMe card for students	19.99%	$19.92
VISA Black Reduced Rate card	12.49%	$25

MBNA
MBNA Platinum Plus MasterCard	17.99 %	Nil
MBNA Gold	17.99 %	Nil
MBNA PremierRewards® Platinum Plus® MasterCard®	19.99 %	$29
MBNA WorldPoints®	19.99 %	$29
MBNA TravelRewards™	18.99 %	$89

National Bank
National Bank Platinum Card	19.5%	$120/$50
National Bank Ovation Gold Card	19.5%	$90/$30
National Bank Allure Card	19.5%	$30/$10
National Bank Escapade Card	19.5%	$20/$10
National Bank Edition Card	19.5%	Nil/Nil
National Bank MC1	19.5%	Nil/Nil
National Syncro Card	Prime rate + 4 %	$35/$10
NBC Premia MasterCard Business Card	18.9%	$45/$25
NBC Ultramar Card	19.9%	Nil/Nil
NBC Sunoco Card	19.9%	Nil/Nil



RBC Royal Bank
RBC Visa Classic II	19.50%	$35/Nil
RBC Visa Classic Low Rate Option	11.90%	$20/Nil
RBC Visa Platinum	19.50%	Nil/Nil
RBC Visa Platinum Avion	19.50%	$120/$50
RBC Rewards Visa Gold	19.50%	Nil/Nil
RBC Visa Gold Preferred	19.50%	$110/$40
RBC Student Visa Classic	19.50%	Nil/Nil
RBC Student Visa Classic II	19.50%	$15/Nil
RBC US Dollar Visa Gold	19.50%	$65 USD/$35 USD
RBC Esso Visa	19.50%	Nil/Nil
RBC Visa Business	19.5%	$12
RBC Visa Business Platinum Avion®	19.50%	$120

SCOTIABANK
Scotia Momentum VISA Card	19.99%	$39
No-Fee Scotia Moneyback™ VISA Card	19.50%	Nil
Scotiabank Value VISA Card	11.49%	$29
No-Fee Scotiabank Value VISA Card	14.99%	Nil
No-Fee ScotiaGold VISA Card	19.50%	Nil
ScotiaGold Passport VISA Card	19.50%	$110
L'earn™ Visa Card	18.59%	Nil
SCENE VISA card – Student	19.50%	Nil

TD Canada Trust
New TD First Class Travel Visa Infinite Card	19.75%	$120/$50
New TD Platinum Travel Visa Card	19.75%	$99/$50
New TD Classic Travel Visa Card	19.75%	$19/Nil
TD Gold Select Visa Card	19.75%	Nil/Nil
TD Green Visa Card	19.75%	Nil/Nil
TD Canada Trust Rebate Rewards Visa	19.75%	Nil/Nil
TD Emerald Visa Card	Visit Site	$25 /Nil
TD Gold Travel Visa	19.75%	$120/ $50
TD Gold Elite Visa	19.75%	$99/ $39
The GM Card	19.75%	Nil/Nil

Merchant Cards
Canadian Tire Options Mastercard	18.90%	Nil
Ikea	28.8%	Nil
Hbc Credit Cards	28.80%	Nil
Home Depot	28.8%	Nil
Rona Visa	?	Nil
Sobeys Mastercard	19.9 %	Nil
President's Choice Financial MasterCard	19.97%	Nil

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