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 May 26, 2026
Fact-checked by MoneyMapCanada Editorial TeamUpdated May 26, 2026
MoneyMapCanada Editorial Team
Editorial review and fact-check team
The MoneyMapCanada Editorial Team reviews every article and calculator for factual accuracy, source integrity, and consistency with current Canadian government guidance. Each piece is cross-checked against CRA publications, FCAC consumer guidance, CMHC rules, or CDIC coverage definitions before publication. The team also monitors for rate and rule changes and flags outdated content for revision.
Fact-check process: each article cross-referenced against the named government source before publication
Rate and rule monitoring: content flagged and updated when CRA, FCAC, CMHC, or CDIC guidance changes
Sample total value score
Tangerine Money-Back Mastercard92/100
TD First Class Travel Visa Infinite84/100
Home Trust Secured Visa76/100
MBNA True Line Mastercard68/100
How this comparison works
Scores and table rows are educational examples, not paid rankings or personalized recommendations. Compare the full cost, eligibility rules, flexibility, support access, and current provider terms before choosing a financial product.
Comparison table
Fees, APR, ratings, pros and cons
| Product | Rating | Monthly / Annual Fee | APR / Rate | Best For | Pros | Cons |
|---|---|---|---|---|---|---|
Tangerine Money-Back Mastercard 2% on 2 chosen categories (groceries, gas, recurring bills) | 4.7 | $0 | 19.95% | 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 | 4.4 | $139 | 20.99% | 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 | 4.2 | $0 | 19.99% | 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 | 4.3 | $0 | 12.99% | 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
Check current offers
Compare live credit cards rates from Canadian providers
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 May 26, 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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