Capital · Credit Cards
Ten Of Sixteen Issuers
Do Not Publish The Fee.
Three cards on this site do something about foreign spend. Ten of the sixteen publish no foreign transaction fee anywhere this site could confirm, which is the finding rather than an omission. Every figure is off the issuer, read 6 September 2026.
Three cards published on this site do something about foreign spend: the Scotiabank Gold American Express charges no foreign transaction fee, the Tangerine Money-Back World Mastercard can pay two percent back on it, and the Rogers Red World Elite pays three percent on US dollar purchases. Not advice.
3 Cards, Side By Side
Sorted by annual fee, cheapest first. Every figure is off the issuer, and every card name links to its own page.
| Card | Annual Fee | Purchases | Cash Advance | Foreign Fee | Income Test | The Headline Rate | The Cap |
|---|---|---|---|---|---|---|---|
| Rogers Red World Elite | $0 | 20.99% and 21.99%, both published | 22.99% | 2.5% | $80,000 personal or $150,000 household | 3% on US dollars, 2% with a Rogers service | $61,000 a year |
| Tangerine Money-Back World Mastercard | $0 | 20.95%, and 19.95% on one Tangerine page | 22.95% | 2.50% | $50,000 personal or $80,000 household | 2% in two categories, three with a savings account | None |
| Scotiabank Gold American Express | $120 | 21.99% | 22.99% | None | $12,000 personal | 6x at Sobeys banner grocery stores | $50,000, calendar year |
The Pages Behind The Table
Rogers Red World Elite
$0 a year. 3% on US dollars, 2% with a Rogers service. Cap: $61,000 a year.
Tangerine Money-Back World Mastercard
$0 a year. 2% in two categories, three with a savings account. Cap: none.
Scotiabank Gold American Express
$120 a year. 6x at Sobeys banner grocery stores. Cap: $50,000, calendar year.
The 2.5 percent everyone quotes is on none of these issuer pages. American Express, MBNA and TD each defer the number to a disclosure statement issued with the card, which is why ten cells in the comparison table say so rather than printing a figure.
The Other Card Lists
Same standard on every one of them. Every figure off the issuer, every card linked to its own page.
Compare All Sixteen
Every card on this site, every published figure, side by side.
No Annual Fee
The 6 cards on this site that fit, ordered by annual fee.
Cash Back
The 4 cards on this site that fit, ordered by annual fee.
Travel And Points
The 10 cards on this site that fit, ordered by annual fee.
Low Interest
The 3 cards on this site that fit, ordered by annual fee.
Business Cards
The 2 cards on this site that fit, ordered by annual fee.
Common Questions
3 cards, every one of which has its own page on this site carrying the issuer wording behind each figure.
By annual fee, cheapest first. This is not a ranking. Ranking would require weighing the cards against a spending pattern, and this site does not have yours.
Each card’s own issuer page in Canada, read on 6 September 2026. No figure on any of these pages comes from a comparison site.
Probably. This list covers the cards written up on this site, each read off its issuer. A card with no page here is a card whose figures have not been read yet, not a card that failed a test.
A List Is Not
A Recommendation.
These are the cards on this site that meet the description, ordered by annual fee. Nothing here is advice.
Not financial advice.