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 $250 | $120 |
| Our valuation | $370 | $120 |
| Network | ||
| Issuer | CIBC | Tangerine |
| Program | Cash Back | Cash Back |
| Point default value | 1¢/point (cash back) | 1¢/point (cash back) |
| Min. annual income | $60,000+ | $50,000+ |
| Min. household income | $100,000+ | $80,000+ |
| 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 | 22.99% | 22.95% |
| Groceries | 4x | 2x |
| Restaurants | 2x | 0.5x |
| Gas | 4x | 2x |
| Local transit | 2x | 0.5x |
| Travel | 1x | 0.5x |
| Pharmacies | 1x | 0.5x |
| Convenience stores | 1x | 0.5x |
| Streaming | 1x | 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 | — | DragonPassMembership only |
| Priority boarding | — | ✗ |
| Wi-Fi access | — | ✗ |
| Concierge | ✓ | ✗ |
| Travel accident | $500,000 | — |
| Travel medical | $5,000,000 | — |
| Car rental | $65,000 | ✓ |
| Mobile device | $1,000 | ✓ |
| Purchase protection | ✓ | ✓ |
| Extended warranty | ✓ | ✓ |
Swipe to compare · 1 of 2
| Annual fee | $0 | $0 |
| Welcome bonus | Up to $250 | $120 |
| Our valuation | $370 | $120 |
| Network | ||
| Issuer | CIBC | Tangerine |
| Program | Cash Back | Cash Back |
| Point default value | 1¢/point (cash back) | 1¢/point (cash back) |
| Min. annual income | $60,000+ | $50,000+ |
| Min. household income | $100,000+ | $80,000+ |
| 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 | 22.99% | 22.95% |
| Groceries | 4x | 2x |
| Restaurants | 2x | 0.5x |
| Gas | 4x | 2x |
| Local transit | 2x | 0.5x |
| Travel | 1x | 0.5x |
| Pharmacies | 1x | 0.5x |
| Convenience stores | 1x | 0.5x |
| Streaming | 1x | 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 | — | DragonPassMembership only |
| Priority boarding | — | ✗ |
| Wi-Fi access | — | ✗ |
| Concierge | ✓ | ✗ |
| Travel accident | $500,000 | — |
| Travel medical | $5,000,000 | — |
| Car rental | $65,000 | ✓ |
| Mobile device | $1,000 | ✓ |
| Purchase protection | ✓ | ✓ |
| Extended warranty | ✓ | ✓ |
| Learn more | Learn more | |