Compare credit cards
Compare fees, rewards and benefits side by side, based on your spending.
| Swipe to compare → | ||
|---|---|---|
| Annual fee | $0 | $0 |
| Welcome bonus | Up to $480 | Up to $100 |
| Our valuation | $619 | $100 |
| Network | ||
| Issuer | BMO | Tangerine |
| Program | Cash Back | Cash Back |
| Point default value | 1¢/point (cash back) | 1¢/point (cash back) |
| Min. annual income | $80,000+ | $12,000+ |
| Min. household income | $150,000+ | $12,000+ |
| Additional card | $50 | $0 |
| First year free | ✓ | ✗ |
| Foreign transaction fee | 2.5% | 2.5% |
| Purchase interest rate | 21.99% | 20.95% |
| Purchase rate (Quebec) | 21.99% | 20.95% |
| Cash advance rate | 23.99% | 22.95% |
| Groceries | 5x | 2x |
| Restaurants | 1x | 0.5x |
| Gas | 3x | 2x |
| Local transit | 4x | 0.5x |
| Travel | 1x | 0.5x |
| Pharmacies | 1x | 0.5x |
| Convenience stores | 1x | 0.5x |
| Streaming | 2x | 0.5x |
| Telecom | 1x | 0.5x |
| Entertainment | 1x | 0.5x |
| Recurring payments | 2x | 0.5x |
| Online purchases | 1x | 0.5x |
| Office supplies | 1x | 0.5x |
| All purchases | 1x | 0.5x |
| Airport lounge access | — | ✗ |
| Priority boarding | — | ✗ |
| Wi-Fi access | — | ✗ |
| Concierge | — | ✗ |
| Travel accident | $500,000 | — |
| Travel medical | $5,000,000 | — |
| Flight delay | $500 | — |
| Delayed baggage | $500 | — |
| Lost baggage | $500 | — |
| Car rental | $65,000 | — |
| Hotel burglary | $1,000 | — |
| Purchase protection | ✓ | ✓ |
| Extended warranty | ✓ | ✓ |
Swipe to compare · 1 of 2
| Annual fee | $0 | $0 |
| Welcome bonus | Up to $480 | Up to $100 |
| Our valuation | $619 | $100 |
| Network | ||
| Issuer | BMO | Tangerine |
| Program | Cash Back | Cash Back |
| Point default value | 1¢/point (cash back) | 1¢/point (cash back) |
| Min. annual income | $80,000+ | $12,000+ |
| Min. household income | $150,000+ | $12,000+ |
| Additional card | $50 | $0 |
| First year free | ✓ | ✗ |
| Foreign transaction fee | 2.5% | 2.5% |
| Purchase interest rate | 21.99% | 20.95% |
| Purchase rate (Quebec) | 21.99% | 20.95% |
| Cash advance rate | 23.99% | 22.95% |
| Groceries | 5x | 2x |
| Restaurants | 1x | 0.5x |
| Gas | 3x | 2x |
| Local transit | 4x | 0.5x |
| Travel | 1x | 0.5x |
| Pharmacies | 1x | 0.5x |
| Convenience stores | 1x | 0.5x |
| Streaming | 2x | 0.5x |
| Telecom | 1x | 0.5x |
| Entertainment | 1x | 0.5x |
| Recurring payments | 2x | 0.5x |
| Online purchases | 1x | 0.5x |
| Office supplies | 1x | 0.5x |
| All purchases | 1x | 0.5x |
| Airport lounge access | — | ✗ |
| Priority boarding | — | ✗ |
| Wi-Fi access | — | ✗ |
| Concierge | — | ✗ |
| Travel accident | $500,000 | — |
| Travel medical | $5,000,000 | — |
| Flight delay | $500 | — |
| Delayed baggage | $500 | — |
| Lost baggage | $500 | — |
| Car rental | $65,000 | — |
| Hotel burglary | $1,000 | — |
| Purchase protection | ✓ | ✓ |
| Extended warranty | ✓ | ✓ |
| Learn more | Learn more | |