Feature

Mosaik MasterCard with the CashBack Reward Option

CIBC Dividend Visa

TD Gold Elite Visa

Scotia No-Fee MoneyBack Visa

Annual card fee

0.5% CashBack

1% CashBack

$0

$99

$0

$0

$49

Additional card fee

Free

$5 per additional card

Free, up to 3 maximum

$39/additional Card

Free

Reward level choice

Yes

No(Cash back feature is tiered)

No

No(cash back feature is tiered)

Earn 1 cashback point for every $2 charged to the card=$1 credit for every 200 points

Earn 1 cashback point for every $1 charged to the card=$1 credit for every 100 points

Tier one-0.25% up to $1500

Tier two-0.5% $1500.01 to $3000

Tier three-1%over $3000

1% annual rebate on annual purchases

Tier one-0.25% up to $1500

Tier two-0.5% $1500.01 to $3000

Tier three-

1% over $3000

Low rate option combined with reward option

Yes

(Low Rate option 11.4% with $35 annual fee)

No

No

No

Current interest rate

18.5%

19.50%

19.75%

19.50%

Ability to change features without reapplying for a card?

Yes

No

No

No