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Universal Rewards Cards

Universal reward cards offer all-round rewards in purchase categories many don't seem to think of. These cards are ideal for just about every Canadian resident who qualifies. Cardholders earn points on every spend qualifying for more expensive rewards with each spend.

Wednesday, December 12, 2018, we found 16 Cards - Sort Card Offers or Compare

Sort by:  Title | Intro APR | APR | Annual Fee | Credit needed | Popularity

Users most popular card in this category: 4.5 / 5.0 (13 votes)

  Check up to 6 cards and

[1] Tangerine® Money Back Card

Tangerine Money Back Card
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total 13 votes
- 1.95% Balance Transfer promo for 6 months (with a 1% fee)
- Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.
- Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.
Tangerine Money Back Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
1.95%* 6 months on BT* 19.95%* $0* See Terms* Good*

[2] Scotia Momentum® Mastercard® Card

Scotia Momentum Mastercard Card
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total 1 votes
- 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)◊
- Cash back on everyday spending with no annual fee
- 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 0.5% cash back on all other eligible everyday purchases
View all new offers
Scotia Momentum Mastercard Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
7.99%* 6 months* 19.99%* $0* See Terms* Good*

[3] No-Fee Scotia Momentum® VISA® Card

No-Fee Scotia Momentum VISA Card
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total 22 votes
- 7.99% introductory interest rate on purchases for the first 6 months†
- Cash back on everyday spending with no annual fee
- 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 0.5% cash back on all other eligible everyday purchases
No-Fee Scotia Momentum VISA Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
7.99%* 6 months* 19.99%* $0* See Terms* Good*

[4] Scotia Momentum® VISA® Card

Scotia Momentum VISA Card
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total 12 votes
- 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)◊
- Cash back with low annual fee
- 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 1% cash back on all other eligible everyday purchases
Scotia Momentum VISA Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
2.99%* 6 months on BT* 19.99%* $39* See Terms* Good*

[5] ScotiaGold Passport® VISA® Card

ScotiaGold Passport VISA Card
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total 12 votes
- Earn 5,000 bonus points upon your first purchase◊
- Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases
- 5% cash back on travel purchased through Scotia Rewards
Flexible Point Redemption
- Rates, fees and other information are effective as of the date published. Subject to change.
ScotiaGold Passport VISA Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
N/A* N/A* 19.99%* $110* See Terms* Good*

[6] Scotiabank American Express Card

Scotiabank American Express Card
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total 11 votes
- Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊
- Earn one Scotia Rewards point on all eligible everyday purchases
- Flexible Point Redemption
- Rates, fees and other information are effective as of the publication date. Subject to change.
Scotiabank American Express Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
N/A* N/A* 19.99% (Variable)* $0* See Terms* Good*

[7] Scotiabank Platinum American Express Card

Scotiabank Platinum American Express Card
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total 3 votes
- Earn 30,000 bonus Scotia Rewards points upon first purchase◊
- Earn 4 Scotia Rewards points on every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
- Book and redeem for travel anywhere, anytime, with no travel restrictions
- Enjoy luxury travel privileges for your journey
- $10,000 Minimum Credit Limit
- Premium Concierge Services
- Special Offers with Scotia Rewards Travel Advantage
- Join Fairmont President's Club
- Hertz #1 Club Gold Member
View all new offers
Scotiabank Platinum American Express Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
N/A* N/A* 19.99% (Variable)* $399* See Terms** Good*

[8] Scotiabank® More Rewards VISA® Card

Scotiabank More Rewards VISA Card
More Info
total 11 votes
- Receive 15,000 bonus More Rewards points when you make your first purchase in 2 months◊
- Earn 6 More Rewards points for every $1 spent on purchases at participating More Rewards locations
- Earn 4 points for every $1 on other purchases everywhere else
- There's no limit to the number of points you can earn
- Rates, fees and other information are effective as of the publication date. Subject to change.
Scotiabank More Rewards VISA Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
N/A* N/A* 19.99%* $0* See Terms* Good*

[9] Scotiabank® GM® VISA® Card

Scotiabank GM VISA Card
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total 1 votes
- Get closer to your new car with up to 5% in GM Earnings
- Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
- $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
- No earning or redemption caps
- Rates, fees and other information are effective as the publishing date. Subject to change.
Scotiabank GM VISA Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
N/A* N/A* 17.99%* $0* See Terms* Good*

[10] Scotiabank® GM® VISA® Infinite Card

Scotiabank GM VISA Infinite Card
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total 4 votes
- First year annual fee waived◊
- Get closer to your new car with up to 5% in GM Earnings
- Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter
- $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
- No earning or redemption caps
- Rates, fees and other information are effective as of the publication date. Subject to change.
Scotiabank GM VISA Infinite Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
N/A* N/A* 19.99%* See terms* See Terms* Good*

[11] Scotia Momentum® VISA® Infinite Card

Scotia Momentum VISA Infinite Card
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total 12 votes
- First year annual fee waived†
- 4% on eligible gas station and grocery store purchases
- 2% on eligible drug store purchases and recurring bill payments
- 1% cash back on all other eligible everyday purchases
- Rates, fees, and other information are subject to change.
Scotia Momentum VISA Infinite Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
N/A* N/A* 19.99%* $99 Waived for the first year* See Terms* Good*

[12] L'earn® VISA® Credit Card

L'earn VISA Credit Card
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total 17 votes
- Get up to a 1% Moneyback reward
- $0 annual fee
- Spend wisely, earn valuable rewards
- Build a good credit rating
- Convenient with Visa payWave simply wave your card and go!
- Eligible for My Mobile Wallet
- 20% discount rates at Avis Car Rental
 
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
N/A* N/A* 19.99%* $0* 21 days* Good*

[13] Scotiabank® Rewards VISA® Credit Card

Scotiabank Rewards VISA Credit Card
More Info
total 15 votes
- No annual fee card
- 1 Scotia Rewards point for every $2 you spend
- Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
- Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
- Receive up to 25% off qualifying car rentals
- Redeem points for merchandise and other rewards
 
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
N/A* N/A* 19.99%* $0* 21 days* Good*

[14] ChoicePlus Card from American Express™

ChoicePlus Card from American Express
More Info
total 42 votes
- Earn a Welcome Bonus of 12,000 Membership Rewards® points the first time you use the approved Card. That's enough for a $100 Gift Card for dining, entertainment, or home improvement!
- Earn 2 Points for every $1 in eligible Card purchases at your 5 places chosen from a list of select American Express merchants. That's double the points compared to your Card purchases everywhere else
- Earn 1 Point for every $1 in Card purchases everywhere else
- Choose your 5 places from a list of select American Express merchants, including stores, restaurants, hotels and more
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
 
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
2.99%* 12 months* See terms* $65* 21 days* Excellent*

[15] Canadian Tire Gas Advantage® MasterCard

Canadian Tire Gas Advantage MasterCard
More Info
total 18 votes
- Save up to $0.1 per litre at Canadian Tire gas bars(3)
- Just use your card everywhere you shop and get your discount when you buy gas
- Earn discounts twice as fast on Canadian Tire and Mark's Work Wearhouse purchases(4)
- The more you spend, the more you could save
- No annual fee
- For Canadian Residents only
 
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
N/A* N/A* 19.99%* $0* 21 - 26 days* Good*

[16] Canadian Tire Options® MasterCard®

Canadian Tire Options MasterCard
More Info
total 18 votes
- Earn Canadian Tire 'Money' On The Card awards everywhere you shop(1)
- Redeem for virtually anything at Canadian Tire stores(2)
- No limit on the amount you could earn
- Enjoy Cardmember Exclusives like special offers and discounts
- Shop conveniently with PayPass
- No annual fee
- 19.99% or 25.99% Annual Interest Rate
- For Canadian Residents only
 
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed
N/A* N/A* 19.99%* $0* 21 - 26 days* Good*

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