Cash Back Guaranteed Mastercard

  • Earn cash back quickly
  • You choose when and how to redeem
  • Build or strengthen your credit history
  • 2% cash back on gas and grocery purchases
  • 1% cash back on all other purchases

Card Issuer is Capital One. You can Apply Online By Clicking the Apply Now Button Below
Annual Interest Rate or Rates These interest rates are in effect on approval.

19.8% on purchases, balance transfers and cash advances. We may refer to balance transfers as special transfers or SmartSwitchTM transfers. Unless we tell you otherwise, balance transfers will appear in the purchase segment of your account. Cash advances include wire transfers, money orders, bets, lotteries, gambling or casino gaming chips.

If you receive a Gold card, your interest rate will increase to 25.9% if we do not receive your minimum monthly payments:

  • Within 10 days after the due date for any 2 billing cycles in any 6 month period; new rate to apply as of the billing period of the second late payment
  • For any 2 consecutive billing periods; new rate to apply on the first day of the following billing period†
Interest-Free Grace Period You will benefit from an interest-free grace period of at least 25 days on new purchases and balance transfers that post to the purchase segment of your account if you pay off your balance in full by the due date shown on your statement and you also paid your previous statement balance in full by its due date.

There is a 0-day grace period on cash advances and balance transfers that post to the special transfer segment of your account. This includes any balance transfers processed as part of this application.
Minimum Payment The greatest of 3% of your new balance, plus any amount past due, $10, or any amount in excess of your credit limit. If your balance is less than $10, your minimum monthly payment will equal your balance.
Foreign Currency Conversion We will bill you in Canadian dollars when you use your card to make transactions in a foreign currency. We receive the transaction in U.S. dollars and convert it to Canadian dollars on the day we receive a record of the transaction. We make the conversion at our rate of exchange current at the time, plus a 2.5% currency conversion charge.
Annual Fees $79 if you receive a Gold card or $59, if you receive a Secured card, applied within 45 days of receiving your new credit card, then annually on the last date covered by your anniversary month’s statement. This fee will appear on your statement, whether the card has been activated yet or not.
Other Fees Cash advance: 1% of the advance (minimum charge of $5, not to exceed $10), on the date the cash advance posts to your account.

Overlimit: $29, on the day the overlimit transaction posts to your account and then at the end of your billing cycle for each month that your account stays overlimit.

Standard balance transfer: 0%. This includes any balance transfers processed as part of this application.

Special balance transfer: 3% of each balance transferred, unless stated otherwise. Balance transfer fees will be applied on the posting date of the balance transfer.

Extra copy of your monthly statement: $3, effective within 5 business days of your request being processed.

Transaction copy: $2, effective within 5 business days of your request being processed.

Dishonoured payment: $29, on the date the returned cheque posts to the account.

...Learn More
APR: 19.8% 
Balance Transfers: 19.8% 
Credit Needed: Poor or None 
Annual Fee: $79 
Approval Decision: Fast or Instant