FinanceHero / Canada / Credit Cards
Compare account fees and borrowing charges. Standard pricing is shown unless a condition is stated.
Consumer credit cards
| Card | Account fee | Borrowing rate | Cash / FX | Eligibility | Key caveat |
|---|---|---|---|---|---|
Tangerine BankMoney-Back Credit Card | No annual fee. | Purchases 20.95% per year; cash advances and balance transfers 22.95%. | Cash: CAD 3.50 in Canada; CAD 5 outside Canada; cash interest applies.FX: 2.5% currency conversion fee. | Age of majority; Canadian permanent resident; gross annual income CAD 12,000+; no bankruptcy in seven years. | After two consecutive missed minimum payments, higher rates can apply. Promotional cashback and balance-transfer pricing excluded; cash has no interest-free grace. |
Simplii Financial (CIBC)Cash Back Visa | No annual fee for primary card and up to three additional cards. | Purchases 21.99% per year; cash 22.99%. | Cash: Not availableFX: 2.5% currency conversion fee. | Canadian citizen or permanent resident living in Canada outside Quebec; age of majority; household annual income CAD 15,000+; no bankruptcy in seven years. | Pay statement balance in full by the due date for purchase grace. Cash advances always accrue interest; missed payments can increase rates. |
Checked: 7 Oct 2026 · Sources: tangerine.ca · simplii.com
Fees may exclude statutory charges.