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Best for: First-Year Annual Fee Rebate

The CIBC Select Visa Card offers a first year annual fee rebate (regular fee $29/yr). Estimated first-year value is $29.

First-Year Annual Fee Rebate
Annual Fee
$29 $0
Rewards rate
Welcome Bonus
1st Year Value
$29

Pros

  • First Year Annual Fee Rebate

Cons

  • No welcome bonus
  • Modest reward rates
Best for: First-Year Annual Fee Rebate

The Scotiabank Value® Visa Card offers a first year annual fee rebate (regular fee $29/yr).

First-Year Annual Fee Rebate
Annual Fee
$29 $0
Rewards rate
Welcome Bonus

Ends Jan 3, 2027

1st Year Value

Pros

  • First Year Annual Fee Rebate

Cons

  • No welcome bonus
  • Modest reward rates
  • Requires good credit
Best for: No annual fee

The Tangerine® Money-Back World Mastercard® has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $100. You earn 2x on groceries and 0.5x at restaurants. Estimated first-year value is $412.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Welcome Bonus
Up to $100

Ends Sep 30, 2026

1st Year Value
$412

Pros

  • No annual fee
  • Welcome bonus of $100
  • 2x on groceries
  • Estimated 1st-year value of $412

Cons

  • Requires good credit