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.




MoneyMart Canadian PayDay Loan

Sort Cards by: Name | Rating | Intro APR | APR | Annual Fee
More: | 1 | 2 |

 
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


Sony Card MasterCard Credit Card
  • Earn Sony Points with every net retail purchase made on your Sony Card MasterCard
  • Get 2,000 Sony Points after your first qualifying transaction
  • Earn Double Sony Points with every purchase of Sony products at SonyStyle.ca or the Sony store/Maison Sony
  • Redeem Sony Points toward any Sony product at SonyStyle.ca
  • 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!
  • No annual fee

N/A* Intro APR

N/A*Intro Period

19.99%*APR

$0.00*Annual Fee

4.5


WorldPoints MasterCard Credit Card
  • No annual fee
  • 1 WorldPoint for every $1 in net retail purchases‡
  • Redeem WorldPoints for travel, merchandise, and gift certificates‡
  • 1,000 Bonus WorldPoints after your first purchase††
  • 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

4.5


American Express AIR MILES Credit Card
  • Earn 1 reward mile for every $15 in Card purchases at AIR MILES* Sponsors.
  • Earn 1 reward mile for every $20 in Card purchases everywhere else.
  • As well, shop at participating AIR MILES* Sponsors across Canada with your Card and your AIR MILES* Collector Card, and you can earn reward miles from both.
  • Conditions Apply.

N/A* Intro APR

N/A*Intro Period

19.99%*APR

$0.00*Annual Fee

4.0


Pharmaprix MasterCard Credit Card
  • 15,000 bonus after your first purchase
  • 25 points for every $1 in purchases at Pharmaprix
  • 1.99% annual interest rate (AIR) on balance transfers*, access cheques and deposits* for the first 6 full months
  • Around-the-clock fraud protection
  • Free online access to your credit card account
  • 24-hour customer service
  • Chip & PIN technology and PayPass
  • No annual fee

1.99%* Intro APR

6 months*Intro Period

19.99%*APR

$0.00*Annual Fee

4.5


Shoppers MasterCard Credit Card
  • 15,000 Shoppers Optimum Bonus points
  • 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
  • Around-the-clock fraud protection
  • Free online access to your credit card account
  • 24-hour customer service
  • Few design colors to select from
  • No annual fee

1.99%* Intro APR

6 months*Intro Period

19.99%*APR

$0.00*Annual Fee

4.5


American Express Business Gold Rewards Card
  • 25,000 Welcome Points. Enough for a ticket almost anywhere in North America. Just purchase $3,000 in the first 3 months
  • Earn 1 point for every dollar in purchases charged to the Card. No caps
  • Earn up to 40,000 bonus points. Every year. 15,000 points when you reach $50,000 in purchases. Another 25,000 when you reach $100,000
  • Get additional Cards for employees. Earn even more points - all on your account
  • More Rewards for you or your Business. Transfer to Aeroplan*. Instantly. 1 point = 1 Aeroplan* mile
  • Also transfer points to Delta Air Lines and Cathay Pacific's Asia Miles and access their 27 airline partners
  • Book virtually any trip or vacation. Pay all or part with points. No blackouts
  • No fee for the First Year. A savings of $180
  • Conditions Apply.

N/A* Intro APR

N/A*Intro Period

N/A*APR

$0.00*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

4.5


Aspire Travel Platinum MasterCard
  • Earn reward miles – with no annual fee!
  • No Annual Fee
  • Earn 1 reward mile for every $1 spent – on all purchases
  • 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

Prime + 16.80%*APR

$0.00*Annual Fee

4.0


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


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
  • Gold benefits including Purchase Assurance

N/A* Intro APR

N/A*Intro Period

19.80%*APR

$0.00*Annual Fee

4.5


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


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


Aspire Cash Platinum MasterCard
  • Earn cash rewards and pay no annual fee!
  • 1% cash rewards on all net purchases
  • 20% extra cash rewards every year
  • $50 bonus cash reward on your first purchase
  • No limit to the amount of cash you can earn
  • Add an authorized user for $0, and earn even more cash
  • Valuable Platinum benefits including Purchase Assurance and - Extended Warranty

N/A* Intro APR

N/A*Intro Period

Prime + 16.80%*APR

$0.00*Annual Fee

4.5


Fusion Platinum MasterCard
  • The low interest rate you need with rewards you want
  • 5,000 bonus reward miles on your first purchase
  • Earn 1 reward mile for every $2 – on everything you buy
  • Guaranteed rate of 9.9% fixed on purchases and balance transfers

N/A* Intro APR

N/A*Intro Period

9.90%*APR

$0.00*Annual Fee

4.5


Cash Gold MasterCard
  • 1% cash rewards on all of your purchases
  • Earn rewards while you build your credit history the smart way
  • Guaranteed access to credit
  • Set up text and e-mail alerts to help you stay on track
  • Security funds not required, unless we contact you
  • Valuable Gold MasterCard benefits including $0 Fraud Liability
  • Exclusive online offer

N/A* Intro APR

N/A*Intro Period

21.90%*APR

$39.00*Annual Fee

4.0


American Express AIR MILES Platinum Credit Card
  • Earn 1 reward mile for every $10 in Card purchases at AIR MILES* Sponsors.
  • Now! Earn 1 reward mile for every $10 in Card purchases at other eligible gas, grocery and drugstores.
  • Earn 1 reward mile for every $15 in Card purchases everywhere else.
  • Conditions Apply.

N/A* Intro APR

N/A*Intro Period

19.99%*APR

$65.00*Annual Fee

4.0


Aspire Cash World MasterCard
  • 1.5% cash rewards on all purchases
  • 20% extra cash rewards every year
  • $100 bonus cash reward on your first purchase
  • No limit to the amount of cash you can earn
  • Add an authorized user for $0, and earn even more cash
  • Valuable World MasterCard benefits including Purchase Assurance and Extended Warranty

N/A* Intro APR

N/A*Intro Period

Prime + 16.80%*APR

$120.00*Annual Fee

4.0


Aspire Travel World MasterCard
  • Earn more 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

Prime + 16.80%*APR

$120.00*Annual Fee

4.5


Delta SkyMiles World MasterCard Capital One
  • 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
  • Earn Delta miles on everything you buy
  • Valuable World MasterCard Benefits

N/A* Intro APR

N/A*Intro Period

19.80%*APR

$120.00*Annual Fee

4.5


More: | 1 | 2 |


We strongly advise applicants to go through the terms and conditions of a product or service before applying online. We do not guarantee the accuracy of information posted on the site and are liable to misinformation caused thereof. Applicants are restricted per requirements set by a card issuer for its product.

All applications are protected using SSL technology.


Home > Credit Cards > Reward Cards > Universal Rewards