Universal Rewards Card Offers

These credit cards come with a universal reward program. Most programs do not charge a participation fee but it is not uncommon to find those that do charge. Individuals looking to save on purchase categories including everyday expenses like gas, groceries and the not-so everyday purchases like travel, and car rentals can look forward to a card in this category. Cardholders earn points on almost every purchase. As points accrue cardholders become eligible for various rewards including discount purchases at participating merchants and retailers. On the best credit cards, a reward program is just one out of many benefits cardholders can take advantage of. Cards listed below are reserved for Canadian residents. Applicants are subject to credit checks and other verification processes applied by the issuing bank. It pays to go through the card agreement of a credit card before submitting your application.




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Sort Cards by: Name | Rating | Intro APR | APR | Annual Fee
 

 
Smart Cash MasterCard Credit Card
  • 1.99% introductory annual interest rate on balance transfers* and cheque cash advances for 10 months
  • Get up to 5% cash back on qualifying net retail gas and grocery purchases for the first 6 months
  • Get up to 3% cash back on qualifying net retail gas and grocery purchases thereafter
  • Get up to 1% cash back for all other qualifying net retail purchases
  • Feel secure with around-the-clock fraud protection
  • Enjoy free online access to your credit card account
  • No annual fee

1.99%*Intro APR

10 months on BT*Intro Period

19.99%*APR

$0.00*Annual Fee

5.0


Aspire World MasterCard
  • Earn more No Hassle reward miles - on everything you buy!
  • Earn 2 reward mile for every $1 spent - on everything you buy
  • 35,000 bonus reward miles with your first purchase
  • 10,000 anniversary bonus reward miles every year
  • Redeem for travel, cash, merchandise or gift cards
  • World MasterCard benefits including Travel Emergency Medical Insurance and Trip Cancellation Insurance

N/A*Intro APR

N/A*Intro Period

19.80%*APR

$120.00*Annual Fee

4.5


Aspire Gold MasterCard
  • Earn reward miles - with no annual fee!
  • No Annual Fee
  • Earn 1 reward mile for every $1 spent on everything you buy
  • 5,000 bonus reward miles with your first purchase
  • 1,000 anniversary bonus reward miles every year
  • Redeem for travel, cash, merchandise or gift cards

N/A*Intro APR

N/A*Intro Period

19.80%*APR

$0.00*Annual Fee

4.0


Delta SkyMiles® World MasterCard® Capital One®

Delta SkyMiles World MasterCard Capital One
  • Finally a credit card for Canadians - Watch your Delta miles add up – faster!
  • Get 25,000 bonus Delta miles with first purchase
  • Earn 2 Delta miles for every $1 you spend on Delta purchases
  • Earn 1 Delta mile per $1 for all other net purchases
  • Earn 2,500 bonus Delta miles on your account anniversary, every year.
  • Get 2,500 bonus Delta miles by adding an authorized user
  • PLUS – valuable World MasterCard Benefits

N/A*Intro APR

N/A*Intro Period

19.80%*APR

$49.00*Annual Fee

4.5


Studentawards Credit Card from MBNA Canada
  • 1 WorldPoint for every $2 in net retail purchases‡
  • No maximum earnings cap on WorldPoints
  • No Annual Fee
  • Around-the-clock fraud protection
  • Unparalleled 24-hour customer service
  • Online access to your credit card account
  • Immediate cash access at 430,000 ATMs internationally

N/A*Intro APR

N/A*Intro Period

18.99%*APR

$0.00*Annual Fee

3.5


Delta SkyMiles® Gold MasterCard® Capital One®

Delta SkyMiles Gold MasterCard Capital One
  • Earn on everything you buy, plus:
  • 2,500 bonus Delta miles with first purchase
  • 1 Delta miles for every $1 you spend on Delta purchases
  • 1 Delta mile per $2 for all other net purchases
  • PLUS – Gold MasterCard Benefits

N/A*Intro APR

N/A*Intro Period

19.80%*APR

$0.00*Annual Fee

4.5


Canadian Tire Gas Advantage® MasterCard

Canadian Tire Gas Advantage MasterCard
  • Save up to $0.1 per litre at Canadian Tire gas bars(3)
  • Just use your card everywhere you shop and get your discount when you buy gas
  • Earn discounts twice as fast on Canadian Tire and Mark's Work Wearhouse purchases(4)
  • The more you spend, the more you could save
  • No annual fee
  • For Canadian Residents only

N/A*Intro APR

N/A*Intro Period

19.99%*APR

$0.00*Annual Fee

4.5


Shoppers MasterCard Credit Card
  • 25 points for every $1 in purchases at Shoppers Drug Mart using your Shoppers MasterCard when you show your Shoppers Optimum Card
  • 1.99% Introductory Annual Interest Rate† on Cheque Cash Advances and Balance Transfers* for 6 months
  • Feel secure with around-the-clock fraud protection
  • Enjoy free online access to your credit card account
  • 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
  • Access unparalleled 24-hour customer service
  • Few design colors to select from

1.99%*Intro APR

6 months*Intro Period

19.99%*APR

$0.00*Annual Fee

3.5


Canadian Tire Options® MasterCard®

Canadian Tire Options MasterCard
  • Earn Canadian Tire 'Money' On The Card awards everywhere you shop(1)
  • Redeem for virtually anything at Canadian Tire stores(2)
  • No limit on the amount you could earn
  • Enjoy Cardmember Exclusives like special offers and discounts
  • Shop conveniently with PayPass
  • No annual fee
  • 19.99% or 25.99% Annual Interest Rate
  • For Canadian Residents only

N/A*Intro APR

N/A*Intro Period

19.99%*APR

$0.00*Annual Fee

4.5


Pharmaprix MasterCard Credit Card
  • 1.99% Introductory Annual Interest Rate† on Cheque Cash Advances and Balance Transfers* for 6 months
  • Feel secure with around-the-clock fraud protection
  • Enjoy free online access to your credit card account
  • 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
  • Access unparalleled 24-hour customer service
  • Few design colors to select from

1.99%*Intro APR

6 months*Intro Period

19.99%*APR

$0.00*Annual Fee

3.5


Sony Card MasterCard Credit Card
  • Sony Points with every net retail purchase made on your Sony Card MasterCard
  • No Annual Fee
  • 2,000 Sony Points after your first qualifying transaction
  • Double Sony Points with every purchase of Sony products at SonyStyle.ca or the Sony store/Maison Sony‡
  • Browse through the complete SonyStyle.ca catalogue including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Players, movies, software, media and so much more!
  • 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
  • Online access to your credit card account

N/A*Intro APR

N/A*Intro Period

19.99%*APR

$0.00*Annual Fee

3.5


WorldPoints MasterCard Credit Card
  • 1,000 Bonus World Points after your first purchase††
  • No Annual Fee
  • 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
  • 1 World Point for every $1 in net retail purchases‡
  • 1,000 Bonus WorldPoints each year on your account anniversary date

N/A*Intro APR

N/A*Intro Period

19.99%*APR

$0.00*Annual Fee

3.5


Cash Back Gold MasterCard
  • Earn cash back quickly and pay no annual fee
  • No annual fee
  • Earn up to 1% cash back on purchases
  • No limit to the amount of cash you can earn
  • Redeem anytime your cash rewards balance is $15 or more
  • Choose how you'd like your cash - cheque or statement credit

N/A*Intro APR

N/A*Intro Period

19.80%*APR

$0.00*Annual Fee

4.5


Eco-Logique(TM) MasterCard Credit Card
  • Earn carbon offset points that MBNA will use to acquire carbon offsets on your behalf‡
  • No Annual Fee
  • Low 1.9% introductory interest rate† for 6 months on Balance Transfers* and Cheque Cash Advances
  • 17.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
  • Around-the-clock fraud protection
  • Online access to your credit card account
  • Unparalleled 24-hour Customer service
  • Immediate cash access at 430,000 ATMs internationally

1.9%*Intro APR

6 months*Intro Period

17.99%*APR

$0.00*Annual Fee

4.5


 


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