With the BMO CashBack Mastercard, your cash back never expires (providing your account remains open and in good standing), so you can continue to build your total until you have enough to treat yourself to some serious savings. Their cash back system is also very flexible, appealing to those users who enjoy having options when it comes to when and where they redeem their rewards. After that, you'll still get an impressive 3% cash back on grocery purchases, making this an ideal card to use for your weekly food shopping. You'll also get an ultra-low promotional interest rate of 1.99 on balance transfers for the first 9 months with a 1% transfer fee.
Plus, get a 1.99% interest rate on balance transfers for your first 9 months (with a 1% transfer fee).
Their current welcome offer allows you to earn Earn up to 5% cash back in your first 3 months and a $50 cash back bonus when you spend $6,000 in your first year.
The Tangerine World is almost identical to the Tangerine Money-Back Card with the exception of a few perks (mobile device and rental car insurance) and a higher income requirement of $60,000.įor those looking to save big at the supermarket checkout, BMO’s entry-level rewards card, the BMO CashBack Mastercard, has no annual fee or income requirements – letting you consolidate your past debts and pay them off faster while earning cash back for buying food and essentials at your favourite grocery chain. The slightly upgraded Tangerine World Mastercard also offers the same balance transfer offer. This card has an income requirement of $12,000 and charges no annual fee. You can choose your own bonus categories from a total of ten options (which includes gas, groceries, restaurants, hotels and more). While you won’t earn any rewards on your balance transfer, you’ll get cash back on your regular purchases at a rate of 2% in up to three bonus spending categories and 0.5% on everything else. As a new cardholder, you can Earn 10% cash back when you spend up to $1,000 in everyday purchases within your first 2 months (up to a limit of $100 cash back). The Tangerine Money-Back Card is one of the best cash back credit cards in Canada that also happens to offer a competitive welcome offer. But it does come with up to $100,000 in common carrier accident insurance and the ability to add up to three authorized users at no additional cost. To top it off, the card’s $29 annual fee is rebated for the first year.Īs a low interest credit card, the CIBC Select Visa doesn’t offer much in the form of perks. Simple really: it offers an unbeatable 0% interest rate on balance for a limited-time of ten months and carries a below-average interest rate of 13.99 as standard (including on transferred balances after the promotional period ends). The CIBC Select Visa has a $29 annual fee, which is rebated for the first year, and you’ll need an annual household income of at least $15,000 to be considered eligible to apply. if you’re approved for the CIBC Select Visa with a $2,000 credit limit, you can only transfer up to $1,000 from another credit card). Finally, you can only transfer up to 50% of your assigned credit limit (e.g. Second, there’s a flat transfer fee equal to 1% of the size of the balance you’re moving, which is a common fee on balance transfers that is well worth the price to access a 0% interest rate. There are a few caveats cardholders should know about, however.įirst, the balance transfer offer is exclusively available to new cardholders applying online, so be sure to read your online application form carefully and tick off the relevant box to show you’re interested in the promotion. Link and use your CIBC Select Visa Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.† Users can also now save at the pumps through CIBC's new partnership with Journie Rewards. So, even if you can’t completely tackle the debt you transferred before the allotted ten-month promotional period ends, you can continue to leverage a low interest rate that’s between eight and six percentage points below what most other credit cards charge. The good news is the CIBC Select Visa also offers a below-average interest rate of 13.99 as standard. With interest completely out of the equation for a limited time, you can move the balance owed on your current credit card over to the CIBC Select Visa and chip away at your debt faster and more efficiently. The CIBC Select Visa shoots right to the top of our list for its undeniably great balance transfer promotion: it offers newly-approved cardholders a 0% interest rate on balances transferred for the first ten months.
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