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MBNA Platinum Plus® Mastercard®
Apply by Oct 31 and Get a $75 Gift Card
MBNA Platinum Plus® Mastercard® image
Annual fee $0
Rewards rate N/A
Bonus offer 0% Interest rate on balance transfers (first 12 months)
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
0%
21.99% after 12 months
Free gift card offer

Get a FREE $75 gift card from LowestRates.ca

Card description
  • Simplify your finances while enjoying platinum services
  • You could get 0% interest† on balance transfers✪ for the first 12 full months, with a 1% fee (minimum fee of $7.50)
  • Access to 24/7 customer service
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMs worldwide
  • No annual fee
Features
  • 24/7 Customer Service
  • Fraud Protection
American Express Essential Credit Card
American Express Essential Credit Card image
Annual fee $0
Rewards rate N/A
Bonus offer 1.99% Interest rate on balance transfers (first 6 months)
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
8.99%
Cash advance rate
8.99%
Balance transfer rate
1.99%
8.99% after 6 months
Card description
  • Enjoy a low 8.99% interest rate on purchases
  • Have the flexibility to pay your balance in full or over time
  • Optional Balance Transfer Offer to new Cardmembers – Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at the time of online application. There is no balance transfer fee at the time of application.
  • Access to memorable experiences with American Express InvitesTM
  • Shopping coverage and 24/7 Customer Service
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link.
  • Conditions apply​
Features
  • 24/7 Customer Service
  • Purchase Protection
  • Travel Insurance
MBNA Rewards Mastercard®
MBNA Rewards Mastercard® image
Annual fee $0
Rewards rate 1 Point per $1 spent
Bonus offer 5,000 Bonus points
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
21.99%
Card description
  • Get MBNA Rewards for your purchases and redeem them for your passions, including travel, merchandise, or even cash back.
  • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases
  • Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel
  • Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee
Features
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
The Starwood Preferred Guest Credit Card from American Express
The Starwood Preferred Guest Credit Card from American Express image
Annual fee $120
Rewards rate 1 Starpoint per $1 spent
Bonus offer 25,000 Bonus Starpoints
Card details
Network
American Express
Provider
American Express
Credit needed
Excellent
Fees and interest
Annual fee
$120
Purchase interest rate
19.99%
Cash advance rate
21.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
21.99%
*provided you make your minimum monthly payments on time
Card description
  • New Starwood Preferred Guest Credit Card from American Express Cardmembers, earn 25,000 bonus Starpoints® after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Offer ends on October 18th, 2017.
  • You can earn 2 Starpoints for every dollar of eligible purchases charged to the Card at participating SPG and Marriot Rewards hotels from November 15, 2016 through November 15, 2017.
  • Enjoy a Free Weekend Night Award when you reach $40,000 in purchases each year
  • Experience Starwood Gold Preferred Guest status when you reach $30,000 in purchases each year
  • Redeem Starpoints for Free Nights with no blackout dates at over 1,200 of the world's most desired hotels in nearly 100 countries
  • Use Starpoints for flights on over 150 airlines with no blackout dates with SPG Flights
  • Experience once-in-a-lifetime events with SPG Moments
  • American Express Invites™ opens the door to great music, theatre, dining, film, fashion and shopping experiences. Be among the first to know, and among the first to go!
  • Add a Supplementary Card and the first year’s annual fee is on us. That’s a value of $50.
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • Annual interest rate 19.99% on purchases and 21.99% on funds advances
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
SimplyCash Card from American Express
SimplyCash Card from American Express image
Annual fee $0
Rewards rate 5% Cash back (first 6 months)
Bonus offer 1.99% Interest rate on balance transfers (first 6 months)
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
21.99%
Balance transfer rate
1.99%
21.99% after 6 months
Card description
  • Optional Balance Transfer Offer to new Cardmembers - Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application. There is no balance transfer fee at time of application.
  • New SimplyCash™ Card from American Express Cardmembers can earn 5% cash back on all eligible purchases at gas stations, grocery stores and restaurants in Canada (up to $250 cash back) for the first 6 months of Cardmembership1
  • Earn 1.25% cash back on all other purchases and when your Welcome Rate ends
  • No limit to the amount of cash back you can earn
  • No annual fee for Supplementary Cards
  • Access to memorable experiences with American Express Invites®
  • Insurance coverage and 24/7 Customer Service
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Insurance
  • Travel Insurance
Scotiabank®* Gold American Express® Card
Scotiabank®* Gold American Express® Card image
Annual fee $99
Rewards rate 4 Scotia Rewards points per $1 spent on eligible purchases
Bonus offer 30,000 Bonus Scotia Rewards points (after your first purchase)
Card details
Network
American Express
Provider
Scotiabank
Credit needed
Excellent
Fees and interest
Annual fee
$99
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Earn 30,000 Scotia Rewards bonus points after you spend $750 in everyday purchases within the first three months - worth $300 in travel. For accounts opened by July 31, 2017.
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible purchases
  • Extraordinary travel benefits
  • Flexible Point Redemption
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Complimentary Concierge Services
  • Access to Priority Pass Lounges worldwide
American Express AeroplanPlus Gold Card
American Express AeroplanPlus Gold Card image
Annual fee $120
Rewards rate 1 Aeroplan Mile per $1 spent
Bonus offer 15,000 Aeroplan Miles
Card details
Network
American Express
Provider
American Express
Credit needed
Excellent
Fees and interest
Annual fee
$120
Purchase interest rate
30%
Cash advance rate
N/A
Balance transfer rate
N/A
Card description
  • New American Express AeroplanPlus Gold Cardmembers, earn 15,000 Bonus Aeroplan®* Miles after you spend $1,500 in your first three months of Cardmembership
  • Earn 1 Aeroplan Mile for every $1 in Card purchases up to $10,000
  • Accelerate your earn rate to 1.25 Aeroplan Miles for every additional $1 in Card purchases over $10,000 annually
  • Earn Aeroplan Miles faster with two free Supplementary Cards – a $100 value ($50 for each additional Supplementary Card*)
  • Travel to more than 1,000 destinations in more than 175 countries worldwide with Air Canada and Star Alliance Member Airlines™**
  • In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, experiential rewards, merchandise and more
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Offer subject to change without notice.
  • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Travel Insurance
BMO CashBack Mastercard
BMO CashBack Mastercard image
Annual fee $0
Rewards rate 1% Cash back on all purchases
Bonus offer 4% Cash back (first 4 months)
Card details
Network
Mastercard
Provider
BMO Bank of Montreal
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Welcome Offer: Get 4% cash back on every purchase (up to $125 cash back) in your first 4 months*
  • Get 1% cash back on all other card purchases with no restrictions*
  • No annual fee*
  • Get up to 25% off rentals at National Car Rental and Alamo Rent A Car*
  • FREE additional cards
  • Extended Warranty*
  • Purchase Protection*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.
  • *Terms and conditions apply
Features
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
American Express Air Miles Credit Card
American Express Air Miles Credit Card image
Annual fee $0
Rewards rate 1 Air Miles reward mile per $20 spent
Bonus offer 500 Bonus Air Miles
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
21.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
1.99%
21.99% after 6 months
Card description
  • New American Express® AIR MILES®* Credit Card Cardmembers, earn a Welcome Bonus of 500 AIR MILES®* Reward Miles when you charge a total of $500 in purchases to your Card within your first three months of Cardmembership
  • Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors
  • Earn 1 reward mile for every $20 in purchases you charge to the Card everywhere else
  • Optional Balance Transfer Offer to new Cardmembers - Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application. There is no balance transfer fee at time of application.
  • Shop at participating AIR MILES®* Sponsors across Canada with your American Express AIR MILES Credit Card and your AIR MILES®* Collector Card, and you can earn reward miles twice
  • More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from electronics to travel and more
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Travel Insurance
American Express Gold Rewards Card
American Express Gold Rewards Card image
Annual fee $150
Rewards rate 2 Points per $1 spent
Bonus offer 25,000 Membership Rewards points
Card details
Network
American Express
Provider
American Express
Credit needed
Excellent
Fees and interest
Annual fee
$150
Purchase interest rate
30%
Cash advance rate
N/A
Balance transfer rate
N/A
Card description
  • New American Express® Gold Rewards* Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of Cardmembership. That’s enough to redeem for a round-trip Fixed Mileage Flight Reward TM* to almost anywhere in North America.
  • Earn 2 points for every $1 on eligible travel and everyday purchases
  • Charge any travel to your Card then pay for it with points. Your points can even cover taxes and fees!
  • Transfer your points to frequent flyer programs, including Avios and Aeroplan®*
  • 1 Free Supplementary Gold Rewards Card (a $50 value*) to help you earn points faster
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • Conditions apply
Features
  • 24/7 Customer Service
  • American Express Hotel Collection
  • Entertainment Benefits
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
  • Rental Car Insurance
  • Travel Insurance
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The PC Financial advantage

 

For many years, President’s Choice Financial had only one credit card to its name: the one-size-fits-all PC Financial Mastercard. But this hasn’t made PC Financial any less popular with Canadian consumers. In fact, PC Financial routinely wins awards for customer satisfaction. For the sixth year in a row, President’s Choice Financial ranked in the top two when it came to overall customer satisfaction in the midsize banks category, according to  J.D. Power’s 2017 Retail Banking Satisfaction Study.

The bank has since expanded its portfolio to include two more cards: the PC Financial® World Mastercard® and the PC Financial® World Elite Mastercard®.

Since PC Financial stopped providing chequing and savings accounts, the only way to collect PC Plus points is through its Mastercard offerings.

Here’s what you get when you choose PC Financial for your credit card needs.

 

Earn points for household staples

Earn PC Plus points with any one of the PC Financial® Mastercard® credit cards. You earn points no matter where you shop — although you earn more per dollar spent by shopping at any Loblaws-owned store, including No Frills and Shopper’s Drug Mart. You can start redeeming once you've earned 20,000 PC points, which equals $20 in free groceries.

 

Don’t pay fees

Along with PC Financial’s well-known no-fee savings and chequing accounts, there’s no annual fee for any of its Mastercard offerings. Supplementary cards are free, too.
 

Access nifty extras

All PC Financial Mastercards offer some add-ons. The 24/7 concierge service, for instance, allows you to make dinner reservations, reserve event tickets, deliver gifts and more. Mastercard Global Service™ will replace your card or offer a cash advance in case of an emergency. You’ll also get free purchase assurance which is valid in the first 90 days when you purchase an item with a PC Financial card. This will protect you in case of theft, loss or damage. And items bought with the card will automatically see the manufacturer’s regular warranty extended for an additional year.
 

Transfer your balance for less

New customers can transfer existing credit card balances to a PC Financial Mastercard for a rate of 0.97% for six months.

Recommended PC Financial credit card

 

Most popular card

President's Choice Financial® World Elite Mastercard®

To qualify for this card, you need a minimum annual personal income of $80,000, or household income of $150,000 — this might disqualify a lot of people. Not to worry. As we mentioned before, PC Financial credit cards are fairly democratic when it comes to their rewards programs — most of the rewards on offer are pretty similar regardless of the card you use. However, if you qualify for a World Elite Mastercard, PC Financial does throw in a few fancy extras for your enjoyment.

For instance, most no-fee credit cards don’t offer emergency medical travel insurance — but that’s what you can expect when you sign up for President's Choice Financial® World Elite Mastercard®. This insurance benefit covers trips up to 10 days in duration.

Holders of this card also collect points at a faster rate: 30 PC Points per $1 spent at any Loblaws store and 10 points per dollar spent anywhere else.

 

 

About PC Financial

 

In the nineties, most Canadians had little choice about where they could do their daily banking. But by the close of the millennium, that all began to change. Grocery chain Loblaws and CIBC entered a partnership and not long after that, President’s Choice Financial® banking pavilions began cropping up in Loblaws stores across the country.

Judging by the headlines of the day, the media were astounded by the fact consumers could do their banking and their grocery shopping in the same store.

The vision the fledgling bank was founded on was similarly novel: with a new technological era on its way, it was time Canadians could access a bank that did away with traditional storefronts in favor of online banking and low or no fee services. And consumers could redeem store points for groceries — another unique selling point for the time.

PC Financial now ranks highly in consumer satisfaction among mid-sized Canadian banks, according to J.D. Power and Associates.

In August 2017, PC Financial announced it was ending its partnership with CIBC, which handled its retail banking services, to concentrate on its lucrative credit card business.

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