The Rogers Fido Mastercard is no longer available
Recommended Rogers FIDO credit card alternatives
Ok, this was a no annual fee card with a 1% cash back on all purchases. It also had 1.5% cash back on Fido Bills. You can get the Rogers World Elite credit card where you can earn bonus points as a Rogers customer, but let's focus on no annual fee cash back credit cards.
$484
First Year Value
$384
Annual Value
Welcome Bonus: Get a bonus 10% cash back for the first 2 months – up to $100. Plus, a 1.95% promotional balance transfer interest rate for the first 6 months.
Get this card if you...
-
want flexible cash back categories
-
want unlimited cash back
-
want to avoid paying an annual fee
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.95% - 24.95%
Purchase
19.95%
Cash Advance
1.95% - 19.95%
Balance Transfer
-
Our Take
The Tangerine Money-Back Credit Card is a no-annual-fee cash back card that allows cardholders to earn a higher cash back rate in two spending categories of their choice, such as groceries, gas, or restaurants, and a lower rate on all other purchases. By opening a Tangerine Savings Account and directing cash back earnings there, a third higher rate cash back category can be added. Additional benefits include purchase assurance and extended warranty protection, with cash back rewards automatically applied monthly.
Tangerine Money-Back Credit Card ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
-
Pros
-
No annual fee
-
Choose the spending categories where you want to earn the most cash back
-
Unlimited cash back—no maximum spending limit for any purchase category
-
Cash back is paid out monthly rather than annually
-
Periodically includes a special welcome offer where you can get extra cash back
-
1.95% interest on balance transfers for the first 6 months (1% transfer fee applies)*
Cons
-
Regular cash back rates are still lower than what you can get from a card with an annual fee
-
Limited extra perks or benefits beyond the cash back and balance transfer promotion
-
Generally not a good fit for shopping at warehouse clubs or wholesale grocers like Costco or Walmart
-
Tangerine does not have any physical bank branches
-
-
Annual Interest Rates
19.95% - 24.95%
Purchase
19.95%
Cash Advance
1.95% - 19.95%
Balance Transfer
1.95%
Balance Transfer (Introductory)
24.95%
Penalty
Fees
$0
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
$3.5
Cash Advance
$25
Over The Limit Penalty
$25
Return Penalty
-
Rewards cash back
2%
Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)
3
Get a Tangerine Savings account and add a 3rd 2% cash back category.
0.5%
Earn 0.50% on all your other everyday purchases.
-
Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months. Plus, a 1.95% promotional balance transfer interest rate for the first 6 months.
The Tangerine 10% Limited-time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine World Credit Card (the “Account”) by January 31, 2025, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine World Credit Card is activated. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.
Our Take
The Tangerine Money-Back Credit Card is a no-annual-fee cash back card that allows cardholders to earn a higher cash back rate in two spending categories of their choice, such as groceries, gas, or restaurants, and a lower rate on all other purchases. By opening a Tangerine Savings Account and directing cash back earnings there, a third higher rate cash back category can be added. Additional benefits include purchase assurance and extended warranty protection, with cash back rewards automatically applied monthly.
Tangerine Money-Back Credit Card ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Pros
-
No annual fee
-
Choose the spending categories where you want to earn the most cash back
-
Unlimited cash back—no maximum spending limit for any purchase category
-
Cash back is paid out monthly rather than annually
-
Periodically includes a special welcome offer where you can get extra cash back
-
1.95% interest on balance transfers for the first 6 months (1% transfer fee applies)*
Cons
-
Regular cash back rates are still lower than what you can get from a card with an annual fee
-
Limited extra perks or benefits beyond the cash back and balance transfer promotion
-
Generally not a good fit for shopping at warehouse clubs or wholesale grocers like Costco or Walmart
-
Tangerine does not have any physical bank branches
Annual Interest Rates
19.95% - 24.95%
Purchase
19.95%
Cash Advance
1.95% - 19.95%
Balance Transfer
1.95%
Balance Transfer (Introductory)
24.95%
Penalty
Fees
$0
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
$3.5
Cash Advance
$25
Over The Limit Penalty
$25
Return Penalty
Rewards cash back
2%
Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)
3
Get a Tangerine Savings account and add a 3rd 2% cash back category.
0.5%
Earn 0.50% on all your other everyday purchases.
Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months. Plus, a 1.95% promotional balance transfer interest rate for the first 6 months.
The Tangerine 10% Limited-time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine World Credit Card (the “Account”) by January 31, 2025, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine World Credit Card is activated. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.
5% cash back
Welcome Bonus
$271
First Year Value
$171
Annual Value
Welcome Bonus: Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases); Plus, get a 0% introductory interest rate on balance transfers for the first 6 months.
Get this card if you...
-
want to earn cash back with no annual fee
-
value a good welcome offer
-
don't need comprehensive insurance benefits
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
-
Our Take
The Scotia Momentum® No-Fee Visa* Card is a no-annual-fee credit card offering cash back on everyday purchases, with elevated rates for spending at gas stations, grocery stores, drug stores, and on recurring bill payments. It also routinely comes with a generous welcome bonus.
Scotiabank Momentum® No-Fee Visa* Card ReviewEligibility
Fair (300 - 619)
Recommended Credit Score
-
Pros
-
No annual fee: The card does not charge an annual fee, making it cost-effective for users.
-
Cash back rewards: Offers 1% cash back on eligible gas, groceries, drugstore purchases and recurring bill payments.
-
Welcome bonus: There is a welcome bonus of 5% cash back on up to $2,000 in eligible purchases within the first three months.
-
Promotional balance Transfer Rate: A promotional 0% annual interest rate on balance transfers for the first six months (with a 2% balance transfer fee).
-
Rental car discounts: Cardholders can save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S.
Cons
-
Limited insurance: No included insurance coverage, though optional insurance bundles are available for a fee.
-
Low base rewards rate: After exceeding the $25,000 spending cap, the cash back rewards drop to a base rate of 0.5%.
-
Rigid redemption process: Cash back is accumulated monthly but can only be redeemed once annually in November.
-
Balance transfer fee: There is a 2% balance transfer fee when utilizing the promotional balance transfer rate.
-
Foreign transaction fee: The card charges a 2.5% foreign transaction fee on purchases made in a foreign currency.
-
Limited perks: Compared to other no-fee cards, the Scotia Momentum No-Fee Visa Card offers fewer perks and lower reward rates.
-
-
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
0.00%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
-
Rewards cash back
1%
Cash back at gas stations, grocery stores, drugs stores, and on recurring payments.
0.5%
Cash back on all other eligible purchases.
25%
Off base rates at Avid and Budget locations in North America.
-
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases); Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).
The 5% Cash Back and Introductory 0% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotia Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened by October 31, 2025 and is subject to the terms and conditions. All other terms and conditions of the Program Terms continue to apply during the Offer Period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
Our Take
The Scotia Momentum® No-Fee Visa* Card is a no-annual-fee credit card offering cash back on everyday purchases, with elevated rates for spending at gas stations, grocery stores, drug stores, and on recurring bill payments. It also routinely comes with a generous welcome bonus.
Scotiabank Momentum® No-Fee Visa* Card ReviewEligibility
Fair (300 - 619)
Recommended Credit Score
Pros
-
No annual fee: The card does not charge an annual fee, making it cost-effective for users.
-
Cash back rewards: Offers 1% cash back on eligible gas, groceries, drugstore purchases and recurring bill payments.
-
Welcome bonus: There is a welcome bonus of 5% cash back on up to $2,000 in eligible purchases within the first three months.
-
Promotional balance Transfer Rate: A promotional 0% annual interest rate on balance transfers for the first six months (with a 2% balance transfer fee).
-
Rental car discounts: Cardholders can save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S.
Cons
-
Limited insurance: No included insurance coverage, though optional insurance bundles are available for a fee.
-
Low base rewards rate: After exceeding the $25,000 spending cap, the cash back rewards drop to a base rate of 0.5%.
-
Rigid redemption process: Cash back is accumulated monthly but can only be redeemed once annually in November.
-
Balance transfer fee: There is a 2% balance transfer fee when utilizing the promotional balance transfer rate.
-
Foreign transaction fee: The card charges a 2.5% foreign transaction fee on purchases made in a foreign currency.
-
Limited perks: Compared to other no-fee cards, the Scotia Momentum No-Fee Visa Card offers fewer perks and lower reward rates.
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
0.00%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
1%
Cash back at gas stations, grocery stores, drugs stores, and on recurring payments.
0.5%
Cash back on all other eligible purchases.
25%
Off base rates at Avid and Budget locations in North America.
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases); Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).
The 5% Cash Back and Introductory 0% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotia Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened by October 31, 2025 and is subject to the terms and conditions. All other terms and conditions of the Program Terms continue to apply during the Offer Period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
10% cash back†
Welcome Bonus
$0
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to 10% cash back† for your first 3 months up to $1,000 eligible spend.
Get this card if you...
-
want to earn cash back on everyday purchases
-
want to avoid paying an annual fee
-
appreciate a good welcome offer
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
-
Our Take
The Simplii Financial™ Cash Back Visa* Card is a no-annual-fee credit card offering cash back on various spending categories, including elevated rates for dining and drinking establishments, as well as for eligible gas, groceries, drugstore purchases, and pre-authorized payments. Cardholders benefit from purchase security and extended protection insurance.
Simplii Financial™ Cash Back Visa* Card ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Household Income
-
Pros
-
Extremely high cash back on bars and restaurants
-
Solid cash back on groceries, drug store, gas and prepayments
-
No annual fee
-
Up to three additional cards free of charge
Cons
-
Cash back applied as year-end statement credit
-
-
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$29
Over The Limit Penalty
-
Rewards cash back
4%
Earn 4% on eligible restaurant, bar and coffee shop purchases, up to $5,000 per year†
1.5%
Earn 1.5% on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year† - after that 0.5% unlimited
0.5%
Earn 0.5% on all other credit card purchases with no limit on how much you can earn†
-
Earn up to 10% cash back† for your first 3 months up to $1,000 eligible spend.
†Terms and conditions apply. Click ‘Apply Now’ for complete details.This offer is not available for residents of Quebec.
Our Take
The Simplii Financial™ Cash Back Visa* Card is a no-annual-fee credit card offering cash back on various spending categories, including elevated rates for dining and drinking establishments, as well as for eligible gas, groceries, drugstore purchases, and pre-authorized payments. Cardholders benefit from purchase security and extended protection insurance.
Simplii Financial™ Cash Back Visa* Card ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Household Income
Pros
-
Extremely high cash back on bars and restaurants
-
Solid cash back on groceries, drug store, gas and prepayments
-
No annual fee
-
Up to three additional cards free of charge
Cons
-
Cash back applied as year-end statement credit
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$29
Over The Limit Penalty
Rewards cash back
4%
Earn 4% on eligible restaurant, bar and coffee shop purchases, up to $5,000 per year†
1.5%
Earn 1.5% on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year† - after that 0.5% unlimited
0.5%
Earn 0.5% on all other credit card purchases with no limit on how much you can earn†
Earn up to 10% cash back† for your first 3 months up to $1,000 eligible spend.
†Terms and conditions apply. Click ‘Apply Now’ for complete details.This offer is not available for residents of Quebec.
Fido customers are some of the most loyal mobile customers in the country. With the Rogers Fido™ Mastercard®, Fido just gave them another reason to fall in love all over again. In fact, there’s a good reason many Canadians should have it – even if they’re not Fido customers.
To start, the Rogers Fido™ Mastercard® has no annual fee and offers rich unlimited cash back rewards rates of 1.5% cash back on Fido related bills and 1% cash back on all other purchases. There are absolutely no caps, tiers or limits on how much cash back rewards you can earn. You can redeem your cash back rewards as a once-yearly statement credit if you like, or more easily with the unique Pay with Rewards app from Mastercard.
To make things even more attractive, you can get $25 in cash back rewards as a welcome bonus, just for making a purchase on the card within 3 months of receiving it. Conditions apply.
With no annual fee, a $25 welcome bonus, a flat cash back rewards rate of 1% and a nice 1.5% cash back on all your eligible Recurring Payments and subscriptions, including your Fido or Rogers bill, utilities, streaming services. Fido is basically paying you to try the card.
Pros and cons
Pros
-
High 1% cash back on all purchases
-
1.5% cash back on Fido bills
-
Unlimited cash back with no caps or tiers
-
$25 welcome bonus with a simple condition
-
No annual fee, making it risk-free to try
Cons
-
Welcome bonus has conditions
-
Focused benefits on Fido-related spending
-
Limited redemption options for cash back
-
No detailed comparison with other cards
-
Potential bias in the review towards Fido customers
Rogers Fido Mastercard review:
- 1.
1% cash back rewards: The 1% cash back rewards rate on all purchases is extremely rich when compared to the market for no-fee cards. There are no tiers or limits to how much cash back rewards you can earn – it truly is unlimited.
- 2.
Accelerated cash back rewards for Fido: Earn 1.5% cash back rewards on all online and in-store Fido purchases, including your monthly Fido bill.
- 3.
Cash back redemption: This is a true cash back rewards credit card whether you’re a Fido customer or not. You can redeem your cash back rewards as a statement credit at the end of each year (apply your cash back rewards against your credit card bill). Alternatively, you can download the Pay with Rewards application (or find it by logging into Rogers online) and redeem as little as $20 in cash back rewards at a time against items on your statement.
- 4.
No annual fee: There is no annual fee on the Rogers Fido Mastercard, ever.
- 5.
Welcome bonus: Fido currently offers a sign-up bonus of $25 when you make your first purchase within three months of receiving your card. Conditions apply.
Is the Rogers Fido Mastercard worth it?
For Fido customers:
If you’re a Fido customer there are four compelling reasons to get this card and keep it in your wallet.
- A high flat cashback rewards rate of 1% for a credit card with no annual fee.
- 1.5% cashback rewards on all online and in-store Fido purchases, including monthly Fido bills.
- No annual fee makes it free to try, with absolutely no risk.
- $25 sign-up bonus after your first purchase within 3 months of receiving the card.
For non-Fido customers:
If you’re not a Fido customer, this may still be the best credit card choice in Canada for you.
- You can redeem your 1% cashback rewards as a statement credit and on everyday purchases – not just against Fido services and products.
- Earn 1.5% in unlimited cash back rewards on all your eligible Recurring Payments and subscriptions, including: your Rogers bill, utilities, streaming services.
- There is no annual fee – ever.
- Get $25 in cash back rewards when you make your first card purchase within 3 months of receiving your card. Conditions apply.
This post was not sponsored. The views and opinions expressed in this review are purely our own.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
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.
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Disclaimer
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†Terms and Conditions apply.