Instant Approval

Looking for a no-fee credit card that actually gives you value? The Neo Mastercard® is one of Canada’s top digital-first cards, offering up to 15% cashback at thousands of local and national partners, no annual fees, and a quick online approval process. Whether you’re after everyday savings, flexible rewards, or a modern banking experience, the Neo card delivers convenience without compromise.

The Tangerine Money‑Back Credit Card is a no‑annual‑fee, cash‑back Mastercard that lets you customize up to three 2 % reward categories (plus 0.5 % on everything else). You’ll enjoy a 10 % welcome bonus on the first $1,000 spent in your first two months, easy automatic monthly payouts, and a low 1.95 % balance‑transfer rate for six months. It’s simplicity and flexibility all wrapped into one card, ideal for everyday spending.

The American Express Cobalt Card revolutionizes rewards earning with an exceptional 5x Membership Rewards points per dollar on groceries, dining, drinks, and food delivery in Canada, making it one of the highest earning rates available for everyday spending categories. With a unique monthly fee structure of $12.99 rather than a traditional annual fee, comprehensive travel insurance up to $5 million, and the flexibility to transfer points to airline partners or redeem for travel, this card delivers premium value for food enthusiasts and urban professionals.

While the American Express Cobalt Card’s $155.88 annual cost through monthly fees and limited merchant acceptance require consideration, the combination of market-leading earning rates, Hotel Collection benefits, purchase protection, and exclusive Amex entertainment access creates exceptional value for those who dine out frequently or spend heavily on groceries. The welcome bonus of 15,000 points spread across the first year rewards consistent spending rather than front-loaded purchases, making this an ideal daily driver for maximizing rewards on essential lifestyle expenses.

The Tangerine World Mastercard redefines what a no-fee credit card can offer. Cardholders earn 2% unlimited cash back in up to three customizable categories, plus 0.5% on everything else, giving you the flexibility to match rewards to your lifestyle. Unlike most no-annual-fee cards, it also includes premium perks: mobile device insurance (up to $1,000), rental car collision coverage, and discounted airport lounge access through DragonPass. New cardholders can also claim a 10% cash back welcome bonus on the first $1,000 spent in the first two months – simple, valuable, and easy to achieve.

What makes this card particularly compelling is its adaptability. Categories can be switched to follow seasonal or life changes (groceries in winter, gas in summer, home improvement during renovations), so you never miss out on maximizing rewards. Add to this a 1.95% balance transfer rate for six months and the ability to unlock a third 2% category by depositing rewards into a Tangerine Savings Account, and you’ve got one of Canada’s most versatile no-annual-fee credit cards.

Ideal for Canadians earning $50,000 or more annually, the Tangerine World Mastercard blends cash back flexibility with premium protections – without charging a dime in annual fees.

The BMO Cashback Mastercard is one of Canada’s most accessible no-fee cash back credit cards, offering straightforward rewards without annual fees or complex category rotations. New cardholders can earn up to 5% cash back during their first three months, plus enjoy ongoing rates of 3% on groceries (up to $500 monthly), 1% on recurring bills (up to $500 monthly), and 0.5% on all other purchases with no limit.

What sets this card apart is its flexibility and simplicity – redeem cash back anytime through direct deposit, statement credit, or investment account transfer. With a recommended 660+ credit score requirement, purchase protection, and a special 0.99% balance transfer rate for nine months, it’s an ideal choice for grocery shoppers, budget-conscious consumers, and anyone seeking reliable cash back rewards without the premium price tag.

The BMO U.S. Dollar Mastercard provides a specialized solution for Canadians who frequently shop or travel in the United States, eliminating foreign exchange fees by allowing transactions to process directly in U.S. dollars rather than converting from Canadian currency. With a modest $49 USD annual fee that gets rebated when you spend $3,000 USD or more annually, this unique card saves significant money on exchange rates for cross-border shoppers, snowbirds, and anyone with regular U.S. dollar expenses.

While the BMO U.S. Dollar Mastercard lacks rewards programs, travel benefits, or cash back opportunities, its singular focus on eliminating the typical 2.5% foreign transaction fees creates genuine value for those who can pay their balance in U.S. dollars. For Canadians earning USD income, maintaining U.S. bank accounts, or spending heavily south of the border, this card transforms cross-border financial management from a costly hassle into a streamlined process that can save hundreds or thousands annually on exchange rates.