Earn up to $300 in bonus reward points in your first year: To qualify for the 25,000 bonus points, you must open your card by December 30, 2019 and make at least $1,000 in everyday eligible purchases in your first 3 months from account opening. To qualify for the additional 5,000 bonus points, you must make at least $10,000 in everyday eligible purchases in your first year.

Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment.

Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services.

Earn 1 point for every $1 you spend on all other eligible everyday purchases.

No foreign transaction fees: You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.

$120 annual fee

Comprehensive Travel Insurance

Up to 30,000 ($300 value) Bonus Points: In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in purchases on your Card. This could add up to 30,000 points in a year.

Earn 5x the points on groceries, and at restaurants, bars, cafes and food delivery.

Earn 2x the points on travel, transit and gas.

Earn 1x the points on everything else.

$120 annual fee

Limited time offer: Get a $75 e-gift card when you apply through Ratehub and are approved

Special Offer: Apply for the Tangerine Money-Back Credit Card by January 31, 2020 and earn 4% Money-Back Rewards in up to 3 chosen categories for your first 3 months, instead of the usual 2%

New Clients will receive a Balance Transfer promotion of 1.95% for 6 months

Earn 2% Money-Back Rewards on purchases in up to three 2% Money-Back Categories of your choice

0.5% Money-Back Rewards on all other purchases

No annual fee