Canada Cards

- No Annual Fee, Annual interest rate for cash advances is 19.8%
- Enjoy our lowest long-term rate of 5.99% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
- After that your rate will stay low and become a variable rate of Prime +3.75% on purchases and balance transfers
- Save money when you transfer high-interest debt with our no-fee balance transfer service

Some things just make sense – like combining a low interest rate like a line of credit with the convenience of a credit card.

A low, long-term rate like a line of credit.

The SmartLine Platinum card gives you a low, long-term annual interest rate of 5.99% that could save you money. It’s like a line of credit but much more convenient. Plus, you get this low rate for three years – guaranteed.

The benefits and convenience of a low-rate credit card.

Use the Platinum MasterCard to shop online, over the phone, and for your everyday items. You can save money when you transfer high-interest debt with our no-fee balance transfer service. If you transfer a balance during your application, you’ll even have a better chance of getting a higher credit limit.

Get more from your card.

You could save money by transferring a high-interest balance to your Capital One card.

With gas prices as high as they currently are, it’s helpful to have a credit card that rewards you for every dollar you spend at the pump, as well as on everyday purchases.

When you use your CAA Quebec MasterCard®, you will earn a .5% rebate in CAA-Quebec Dollars on the net value of each retail purchase. When purchasing gas at participating Couche-Tard outlets using your CAA Quebec MasterCard®, you will earn 2¢ of CAA-Quebec Dollars for every litre of gas when you show your CAA-Quebec membership.

You will also receive an additional 2% rebate on all other qualifying purchases made with your CAA Quebec MasterCard®, including gas, at participating Couche-Tard outlets – for a total rebate of 2.5%. This credit card requires a CAA Quebec membership before applying.

In addition to a great rewards program, the CAA Quebec MaterCard® also offers several other benefits. Enjoy a low 3.99% introductory interest rate for 6 months on Cheque Cash Advances and Balance Transfers. Other benefits include no annual fee, online access to your credit card account, and unparalleled 24-hour customer service. You can also enjoy international acceptance at millions of locations, cash access at over 430,000 ABMs, a high credit line, around-the-clock fraud protection, and emergency credit card replacement.

This card is only available to residents of Canada.

Most Attractive Feature(s): Rewards program.

The Shoppers Optimum® MasterCard®, issued by MBNA Canada, is a rewards credit card available to residents of Canada.

It’s easy to rack up points using this rewards card. Earn 25 points for every $1 you spend at Shoppers Drug Mart, and earn 5 points for every $1 you spend anywhere else. You will also receive a bonus 15,000 points after your first purchase. There is no limit to the number of points you can earn. When you become a Shoppers Optimum® MasterCard® cardholder, you gain free membership into the Shoppers Optimum Program®.

Cardholders can redeem their points to receive instant savings of up to 100% on almost any item at Shoppers Drug Mart stores. For example, after earning 15,000 points, you can save $25 on your next Shoppers Drug Mart purchase.

In addition to the rewards program, the Shoppers Optimum® MasterCard® offers several other benefits, including a 1.99% APR on cheque cash advances and balance transfers for the first 6 months. Cardholders enjoy free and secure online access to their credit card accounts, allowing them to access statements, view transactions in real time and add authorized users, among other things.

With the Shoppers Optimum® MasterCard®, cardholders have access to unparalleled 24-hour customer service. The card offers purchase protection, which protects credit card purchases against damage or theft for up to 90 days. This card also offers around-the-clock fraud protection.

Most Attractive Feature(s): Rewards program.

The Pharmaprix Optimum® MasterCard®, issued by MBNA Canada, is a rewards credit card available to residents of Quebec.

It’s easy to rack up points using this rewards card. Earn 25 points for every $1 you spend at Pharmaprix, and earn 5 points for every $1 you spend anywhere else. You will also receive a bonus 15,000 points after your first purchase. There is no limit to the number of points you can earn. When you become a Pharmaprix Optimum® MasterCard® cardholder, you gain free membership into the Pharmaprix Optimum Program®.

Cardholders can redeem their points to receive instant savings of up to 100% on almost any item at Pharmaprix stores. For example, after earning 7,000 points, you can save $10 on your next Pharmaprix purchase.

In addition to the rewards program, the Pharmaprix Optimum® MasterCard® offers several other benefits, including a 1.99% APR on cheque cash advances and balance transfers for the first 6 months. Cardholders enjoy free and secure online access to their credit card accounts, allowing them to access statements, view transactions in real time and add authorized users, among other things.

With the Pharmaprix Optimum® MasterCard®, cardholders have access to unparalleled 24-hour customer service. The card offers purchase protection, which protects credit card purchases against damage or theft for up to 90 days. This card also offers around-the-clock fraud protection.

Most Attractive Feature(s): Rewards program.

The Best Western MasterCard® Credit Card, issued by MBNA Canada, is available to Canadian residents with a clear, but established credit history.

In the rewards program that comes with this card, cardholders can earn Best Western Rewards points which can be used at Best Western locations internationally. The standard earning rate is 1.5 Best Western Rewards points for every $1 spent on purchases. Cardholders will also be awarded 5,000 bonus points after making a first purchase with the card and an additional 50 Best Western Rewards points for every cash advance transaction occurrence that is over $50.

Cardholders will have access to 24-hour customer service assistance and access to their account at anytime.

Purchases, balance transfers, and cash advances all have fixed AIRs and there is no introductory offer available on transactions.

Those who do not meet the qualifications for the Best Western MasterCard® Credit Card may be considered for the preferred card, which varies in the terms of benefits and credit limits.

Most Attractive Feature(s): Rewards program.

Additional Perks

Various Internet account related services.
See website for additional benefits.

The WorldPoints® MasterCard® Credit Card, issued by MBNA Canada, is available to Canadian residents and provides cardholders with access to a fixed interest rate, a rewards program, and platinum cardholder services.

This credit card does not have an annual fee and does not have an introductory rate. Cardholders, however, will benefit from the fixed AIRs for all transactions.

This card comes with a rewards program where cardholders can earn one point for every dollar they spend on purchases. All points earned can be redeemed for merchandise, travel, gift cards and certificates.

Cardholders can also take advantage of the platinum benefits that come with the card which include online account access and access to thousands of ABMs worldwide.

Those who do not qualify for the platinum card may be considered for the preferred card, which varies in terms of benefits and credit limits.

Most Attractive Feature(s): Rewards program; no annual fee

The PremierRewards® MasterCard® Credit Card, issued by MBNA Canada, is available to Canadian residents and provides cardholders with access to a fixed interest rate, a rewards program, and platinum cardholder services.

This credit card does not have an annual fee and does not have an introductory rate. Cardholders, however, will benefit from the fixed AIRs for all transactions.

This card comes with a rewards program where cardholders can earn 1% back from all their purchases. All rebates are credited as a statement credit once a year.

Cardholders can also take advantage of the platinum benefits that come with the card, which include online account access and access to thousands of ABMs worldwide.

Those who do not qualify for the platinum card may be considered for the preferred card, which varies in terms of benefits and credit limits.

Most Attractive Feature(s): Rewards program; no annual fee

Additional Perks

Various online account related services.
24-hour customer service
See website for additional benefits.

The Gold MasterCard® Credit Card – Fixed 9.99% AIR is issued by MBNA Canada is available to Canadian residents and provides cardholders with low fixed interest rates and common platinum cardholder services.

There is no annual fee for this credit card program and some applicants may even qualify for credit limits upwards of $100,000.

Cardholders can also take advantage of the platinum benefits that come with the card which include fraud protection, emergency card replacement, 24-hour customer service, online account access, and access to thousands of ABMs worldwide.

Those who do not qualify for the platinum card may be considered for preferred card, which varies in terms of benefits and credit limits.

Most Attractive Feature(s): Low introductory rate; no annual fee

Additional Perks

Various online account related services.
Emergency card replacement.
24-hour customer service.
See website for additional benefits.

The Sony Card MasterCard® Credit Card, issued by MBNA Canada, is available to Canadian residents with an established Canadian credit file that is free of bankruptcies or serious delinquencies.

This card has a rewards program designed especially for gadget lovers, as every purchase earns points toward purchases at SonyStyle.ca. Plus, the first qualifying transaction made with the Sony Card MasterCard® Credit Card garners cardholders a bonus of 2,000 Sony Points. Each time cardholders purchase Sony products from SonyStyle.ca or the Sony Store/Maison Sony, cardholders receive double points. Points accrue for all other purchases at one point per dollar spent.

Cardholders will be able to redeem their points for Sony products including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Players, movies, software, media, and more.

All purchases, balance transfers, and cash advances made with the Sony Card MasterCard® Credit Card have fixed AIRs. There is no introductory offer available.

Those who do not meet the qualifications for the Sony Card MasterCard® Credit Card may be considered for the preferred card, which varies in the terms of benefits and credit limits.

Most Attractive Feature(s): Reward program.

Additional Perks

Various online account related services.
24-hour customer service
See website for additional benefits.