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Smart Cash MasterCard® credit card

5% cash back on all of your gas and grocery purchases for the first 6 months††
3% cash back on gas and grocery purchases thereafter†
And, you'll always earn 1% cash back on all of your other qualifying net retail purchases†
1.99% introductory annual interest rate† (AIR) on balance transfers*, access cheques and deposits* for the first 10 full months
Enjoy free online access to your credit card account
with no annual fee and free additional cards you'll start to see the benefits right away
Once your cash back totals at least $50 at the end of a monthly billing cycle, we'll automatically mail you a cheque† - it's that simple

Rates and Fees

Introductory Rate	Purchases:	N/A*	Balance Transfers:	N/A*
Introductory Period	Purchases:	N/A*	Balance Transfers:	N/A*
Regular APRs	Purchases:	19.99% (Fixed)*	Balance Transfers:
Fees	Cash Advance:		Penalty:
	Annual:	$0.00*	Balance Transfers:
	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.