Best for
Cash-back beginners who pay in full
Tangerine Money-Back Mastercard: 2% on 2 chosen categories (groceries, gas, recurring bills)
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Updated August 7, 2026
Primary-source checkedNo professional licence claimedUpdated August 7, 2026
MoneyMapCanada Editorial Team
Editorial research and source-check process
MoneyMapCanada publishes Canadian personal-finance calculators and educational guides using a source-first editorial process. Time-sensitive financial claims are checked against the responsible government agency, regulator, legislation, provider document, or official publication. The organizational byline does not claim a professional licence or academic credential.
Primary-source standard: material financial claims are checked against the responsible official source
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MoneyMapCanada publishes educational information and planning estimates. Verify material decisions with the cited official source or an appropriately qualified professional.
How this comparison works
Table rows are educational examples, not paid rankings or personalized recommendations. We do not assign an invented numeric score. Compare the full cost, eligibility rules, flexibility, support access, and current provider terms before choosing a financial product.
Comparison table
Provider examples, fees, rates, fit, pros and cons
Provider pricing and rates are intentionally not displayed as current because they can change between reviews. Verify the current fee, APR/rate, eligibility and offer terms directly with the provider before applying.
| Product / Example | Fee | APR / Rate | Best For | Pros | Cons |
|---|---|---|---|---|---|
Tangerine Money-Back Mastercard 2% on 2 chosen categories (groceries, gas, recurring bills) | Verify current fee | Verify current rate | Cash-back beginners who pay in full | No annual fee; flexible 2% category selection; direct deposit to Tangerine savings earns extra 0.5% | Capped categories; lower earn on everything else; no travel insurance |
TD First Class Travel Visa Infinite TD Rewards points on all spend; $100 NEXUS credit | Verify current fee | Verify current rate | Frequent travellers who fly Air Canada or book via Expedia for TD | Strong travel insurance; $100 NEXUS rebate; flexible points redemption | Annual fee; best value requires TD Expedia booking; $60k income minimum |
Home Trust Secured Visa Credit building with no annual fee | Verify current fee | Verify current rate | New Canadians or anyone rebuilding credit | No fee option; reports to Equifax and TransUnion; path to unsecured card | No rewards; deposit ties up cash; limited perks |
MBNA True Line Mastercard Low ongoing purchase rate — no annual fee | Verify current fee | Verify current rate | Cardholders who occasionally carry a balance | 12.99% vs the standard 19.99–22.99%; no annual fee; simpler budgeting | No cash back or points; balance transfer rate can be higher at first |
Best for
Frequent travellers who fly Air Canada or book via Expedia for TD
TD First Class Travel Visa Infinite: TD Rewards points on all spend; $100 NEXUS credit
Best for
New Canadians or anyone rebuilding credit
Home Trust Secured Visa: Credit building with no annual fee
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The table above uses planning examples. Actual fees, rates, and offers change — verify directly with providers before applying.
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Sources used
Official references checked for this page
Updated August 7, 2026
Each claim on this page is traceable to one of the government authorities or regulators below. Rates, tax rules, eligibility requirements, and product terms can change — verify current details directly with the linked source before making any financial decision.
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