By clicking 'Apply Online' you consent to the disclosure of your account application status by Tangerine to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of a ("Gift"), e-gift card to you from RateSupermarket.ca upon approval of your credit card application and where applicable activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca e-gift card promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at the merchant's sole discretion. Tangerine the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed e-gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. The use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.
Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST November 28, 2019 and closes at 11:59PM EST on December 31, 2019 ("Offer Period"). This promotion is valid for:

• Tangerine World Mastercard® Credit Card - Receive a $75 e-Gift Card from RateSupermarket.ca upon approval.

In order to qualify for the Promotion, Participants must:

• Not already have a Tangerine Credit Card account. This Promotion is only open to new Tangerine Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Tangerine Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift from RateSupermarket.ca per Issuer (e-gift card) for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible e-gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. E-gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer is responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for e-gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with e-gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: November 28, 2019

How do I apply for this promotion and receive my Interac e-Transfer or gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Tangerine credit card application form. Complete the credit card application form and submit it to Tangerine - your application is finished.

Step 2: Receive your account activation details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with a link to activate your user account and set up a password. Keep this info - you'll need it later to check the status your e-gift card.

Step 3: Confirm your qualification.

Please note it can take up to 60 days for Tangerine to process and confirm the status of your credit card application. Following this, it can take up to 4 weeks for RateSupermarket.ca to receive confirmation of your account approval from Tangerine, at which time your Interac e-Transfer or e-gift card will be ready to be sent. Log in to your profile at any time to see your status.

Step 4: Get your gift!

Once RateSupermarket.ca receives confirmation of your approval from Tangerine, your Interac e-Transfer or e-gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still, have an inquiry? Check out our list of Frequently Asked Questions Below.

I already have my new credit card but have not yet received my gift from RateSupermarket.ca. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Tangerine first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Tangerine to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Tangerine directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your Interac e-Transfer or e-gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (November 28 - January 31, 2020) and are approved for the featured credit card will receive a $75 e-Gift Card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (November 28 - January 31, 2020) for their application to be eligible for this promotion.

I've been approved! When will I receive my Interac e-Transfer or e-gift card?

• Log in to your RateSupermarket.ca profile and wait to receive confirmation of your status from Tangerine. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your Interac e-Transfer or an e-gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift upon approval?

Sorry - this promotion is open only to new Tangerine credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your Interac e-Transfer or e-gift card. You may unsubscribe any time after you have received your gift card if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for an Interac e-Transfer or e-gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca. Information submitted regarding your secret question and answer for Interac e-Transfer is not stored by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift from RateSupermarket.ca?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (November 28 - January 31, 2020) you can still qualify for the offer.

What is an Interac e-Transfer?

An Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

How do I deposit an Interac e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email indicating a transfer has been sent to you. The notification includes information about the transfer including:

• Sender's name (RateSupermarket.ca)
• Transfer amount
• The notification also includes a link to deposit your transfer to your bank account.

The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.

If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Can I switch from an e-gift card to Interac e-Transfer if I change my mind?

Unfortunately, no, you are unable to switch your selection from an e-gift card to receive an Interac e-Transfer due to security concerns. You may, however, change from one e-gift card option to another e-gift card option while your application status is still 'Pending'.

For other frequently asked questions regarding Interac e-Transfer, please visit http://interac.ca/en/Interac-e-transfer-faq.html

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by Tangerine to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of Interac e-Transfers or e-gift cards to you upon approval of your application and activation of your new card.

By clicking 'Apply Online' you consent to the disclosure of your account application status by Tangerine to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of a ("Gift"), e-gift card to you from RateSupermarket.ca upon approval of your credit card application and where applicable activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca e-gift card promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at the merchant's sole discretion. Tangerine the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed e-gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. The use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.
Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST November 13, 2019 and closes at 11:59PM EST on December 31, 2019 ("Offer Period"). This promotion is valid for:

• Tangerine Money-Back Credit Card - Receive a $75 e-Gift Card from RateSupermarket.ca upon approval.

In order to qualify for the Promotion, Participants must:

• Not already have a Tangerine Credit Card account. This Promotion is only open to new Tangerine Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Tangerine Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift from RateSupermarket.ca per Issuer (e-gift card) for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible e-gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. E-gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer is responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for e-gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with e-gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: November 13, 2019

How do I apply for this promotion and receive my Interac e-Transfer or gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Tangerine credit card application form. Complete the credit card application form and submit it to Tangerine - your application is finished.

Step 2: Receive your account activation details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with a link to activate your user account and set up a password. Keep this info - you'll need it later to check the status your e-gift card.

Step 3: Confirm your qualification.

Please note it can take up to 60 days for Tangerine to process and confirm the status of your credit card application. Following this, it can take up to 4 weeks for RateSupermarket.ca to receive confirmation of your account approval from Tangerine, at which time your Interac e-Transfer or e-gift card will be ready to be sent. Log in to your profile at any time to see your status.

Step 4: Get your gift!

Once RateSupermarket.ca receives confirmation of your approval from Tangerine, your Interac e-Transfer or e-gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still, have an inquiry? Check out our list of Frequently Asked Questions Below.

I already have my new credit card but have not yet received my gift from RateSupermarket.ca. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Tangerine first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Tangerine to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact  Tangerine directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your Interac e-Transfer or e-gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (November 13 - January 31, 2020) and are approved for the featured credit card will receive a $75 e-Gift Card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (November 13 - January 31, 2020) for their application to be eligible for this promotion.

I've been approved! When will I receive my Interac e-Transfer or e-gift card?

• Log in to your RateSupermarket.ca profile and wait to receive confirmation of your status from Tangerine. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your Interac e-Transfer or an e-gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift upon approval?

Sorry - this promotion is open only to new Tangerine credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your Interac e-Transfer or e-gift card. You may unsubscribe any time after you have received your gift card if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for an Interac e-Transfer or e-gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca. Information submitted regarding your secret question and answer for Interac e-Transfer is not stored by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift from RateSupermarket.ca?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (November 13 - January 31, 2020) you can still qualify for the offer.

What is an Interac e-Transfer?

An Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

How do I deposit an Interac e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email indicating a transfer has been sent to you. The notification includes information about the transfer including:

• Sender's name (RateSupermarket.ca)
• Transfer amount
• The notification also includes a link to deposit your transfer to your bank account.

The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.

If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Can I switch from an e-gift card to Interac e-Transfer if I change my mind?

Unfortunately, no, you are unable to switch your selection from an e-gift card to receive an Interac e-Transfer due to security concerns. You may, however, change from one e-gift card option to another e-gift card option while your application status is still 'Pending'.

For other frequently asked questions regarding Interac e-Transfer, please visit http://interac.ca/en/Interac-e-transfer-faq.html

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by Tangerine to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of Interac e-Transfers or e-gift cards to you upon approval of your application and activation of your new card.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of a ("Gift"), e-gift card to you from RateSupermarket.ca upon approval of your credit card application and where applicable activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca e-gift card promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Bank of Nova Scotia ("Scotiabank") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed e-gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.
Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST November 22, 2019 and closes at 11:59PM EST on November 29, 2019 ("Offer Period"). This promotion is valid for:

• Scotiabank Gold American Express® Card - Receive a $100 e-Gift Card from RateSupermarket.ca upon approval.

In order to qualify for the Promotion, Participants must:

• Not already have a Scotiabank Credit Card account. This Promotion is only open to new Scotiabank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Scotiabank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift from RateSupermarket.ca per Issuer (e-gift card) for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible e-gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. E-gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer is responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for e-gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with e-gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: November 22, 2019

How do I apply for this promotion and receive my Interac e-Transfer or gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Scotiabank credit card application form. Complete the credit card application form and submit it to Scotiabank - your application is finished.

Step 2: Receive your account activation details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with a link to activate your user account and set up a password. Keep this info - you'll need it later to check the status your e-gift card.

Step 3: Confirm your qualification.

Please note it can take up to 60 days for Scotiabank to process and confirm the status of your credit card application. Following this, it can take up to 4 weeks for RateSupermarket.ca to receive confirmation of your account approval from Scotiabank, at which time your Interac e-Transfer or e-gift card will be ready to be sent. Log in to your profile at any time to see your status.

Step 4: Get your gift!

Once RateSupermarket.ca receives confirmation of your approval from Scotiabank, your Interac e-Transfer or e-gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still, have an inquiry? Check out our list of Frequently Asked Questions Below.

I already have my new credit card but have not yet received my gift from RateSupermarket.ca. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Scotiabank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Scotiabank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Scotiabank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your Interac e-Transfer or e-gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (November 22 - November 29, 2019) and are approved for the featured credit card will receive a $100 e-Gift Card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (November 22 - November 29, 2019) for their application to be eligible for this promotion.

I've been approved! When will I receive my Interac e-Transfer or e-gift card?

• Log in to your RateSupermarket.ca profile and wait to receive confirmation of your status from Scotiabank. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your Interac e-Transfer or an e-gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift upon approval?

Sorry - this promotion is open only to new Scotiabank credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your Interac e-Transfer or e-gift card. You may unsubscribe any time after you have received your gift card if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for an Interac e-Transfer or e-gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca. Information submitted regarding your secret question and answer for Interac e-Transfer is not stored by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift from RateSupermarket.ca?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (November 22 - November 29, 2019) you can still qualify for the offer.

What is an Interac e-Transfer?

An Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

How do I deposit an Interac e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email indicating a transfer has been sent to you. The notification includes information about the transfer including:

• Sender's name (RateSupermarket.ca)
• Transfer amount
• The notification also includes a link to deposit your transfer to your bank account.

The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.

If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Can I switch from an e-gift card to Interac e-Transfer if I change my mind?

Unfortunately, no, you are unable to switch your selection from an e-gift card to receive an Interac e-Transfer due to security concerns. You may, however, change from one e-gift card option to another e-gift card option while your application status is still 'Pending'.

For other frequently asked questions regarding Interac e-Transfer, please visit http://interac.ca/en/Interac-e-transfer-faq.html

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of Interac e-Transfers or e-gift cards to you upon approval of your application and activation of your new card.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of a ("Gift"), e-gift card to you from RateSupermarket.ca upon approval of your credit card application and where applicable activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca e-gift card promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Bank of Nova Scotia ("Scotiabank") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed e-gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.
Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST September 10, 2019 and closes at 11:59PM EST on October 31, 2019 ("Offer Period"). This promotion is valid for:

• Scotiabank Gold American Express^® Card - Receive a $100 e-Gift Card from RateSupermarket.ca upon approval.

In order to qualify for the Promotion, Participants must:

• Not already have a Scotiabank Credit Card account. This Promotion is only open to new Scotiabank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Scotiabank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift from RateSupermarket.ca per Issuer (e-gift card) for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible e-gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. E-gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer is responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for e-gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with e-gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: September 9, 2019

How do I apply for this promotion and receive my Interac e-Transfer or gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Scotiabank credit card application form. Complete the credit card application form and submit it to Scotiabank - your application is finished.

Step 2: Receive your account activation details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with a link to activate your user account and set up a password. Keep this info - you'll need it later to check the status your e-gift card.

Step 3: Confirm your qualification.

Please note it can take up to 60 days for Scotiabank to process and confirm the status of your credit card application. Following this, it can take up to 4 weeks for RateSupermarket.ca to receive confirmation of your account approval from Scotiabank, at which time your Interac e-Transfer or e-gift card will be ready to be sent. Log in to your profile at any time to see your status.

Step 4: Get your gift!

Once RateSupermarket.ca receives confirmation of your approval from Scotiabank, your Interac e-Transfer or e-gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still, have an inquiry? Check out our list of Frequently Asked Questions Below.

I already have my new credit card but have not yet received my gift from RateSupermarket.ca. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Scotiabank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Scotiabank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Scotiabank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your Interac e-Transfer or e-gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (September 10 - October 31, 2019) and are approved for the featured credit card will receive a $100 e-Gift Card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (September 10 - October 31, 2019) for their application to be eligible for this promotion.

I've been approved! When will I receive my Interac e-Transfer or e-gift card?

• Log in to your RateSupermarket.ca profile and wait to receive confirmation of your status from Scotiabank. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your Interac e-Transfer or an e-gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift upon approval?

Sorry - this promotion is open only to new Scotiabank credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your Interac e-Transfer or e-gift card. You may unsubscribe any time after you have received your gift card if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for an Interac e-Transfer or e-gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca. Information submitted regarding your secret question and answer for Interac e-Transfer is not stored by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift from RateSupermarket.ca?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (September 10 - October 31, 2019) you can still qualify for the offer.

What is an Interac e-Transfer?

An Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

How do I deposit an Interac e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email indicating a transfer has been sent to you. The notification includes information about the transfer including:

• Sender's name (RateSupermarket.ca)
• Transfer amount
• The notification also includes a link to deposit your transfer to your bank account.

The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.

If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Can I switch from an e-gift card to Interac e-Transfer if I change my mind?

Unfortunately, no, you are unable to switch your selection from an e-gift card to receive an Interac e-Transfer due to security concerns. You may, however, change from one e-gift card option to another e-gift card option while your application status is still 'Pending'.

For other frequently asked questions regarding Interac e-Transfer, please visit http://interac.ca/en/Interac-e-transfer-faq.html

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of Interac e-Transfers or e-gift cards to you upon approval of your application and activation of your new card.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of a ("Gift"), e-gift card or Interac e-Transfer, to you from RateSupermarket.ca upon approval of your credit card application and where applicable activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca e-gift card/Interac e-Transfer promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Bank of Nova Scotia ("Scotiabank") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

Interac and the listed e-gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.
Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST August 1, 2019 and closes at 11:59PM EST on August 31, 2019 ("Offer Period"). This promotion is valid for:

• Scotiabank Passport^TM Visa Infinite^* card - Receive a $50 e-Gift Card from RateSupermarket.ca upon approval.

In order to qualify for the Promotion, Participants must:

• Not already have a Scotiabank Credit Card account. This Promotion is only open to new Scotiabank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Scotiabank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift from RateSupermarket.ca per Issuer (e-gift card OR Interac e-Transfer) for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible e-gift cards OR Interac e-Transfer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. E-gift cards OR Interac e-Transfers will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for e-gift card OR Interac e-Transfer fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with e-gift card OR Interac e-Transfer fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: June 5, 2019

How do I apply for this promotion and receive my Interac e-Transfer or gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Scotiabank credit card application form. Complete the credit card application form and submit it to Scotiabank - your application is finished.

Step 2: Receive your account activation details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with a link to activate your user account and set up a password. Keep this info - you'll need it later to check the status your Interac e-Transfer or e-gift card.

Step 3: Confirm your qualification.

Please note it can take up to 60 days for Scotiabank to process and confirm the status of your credit card application. Following this, it can take up to 4 weeks for RateSupermarket.ca to receive confirmation of your account approval from Scotiabank, at which time your Interac e-Transfer or e-gift card will be ready to be sent. Log in to your profile at any time to see your status.

Step 4: Get your gift!

Once RateSupermarket.ca receives confirmation of your approval from Scotiabank, your Interac e-Transfer or e-gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

I already have my new credit card, but have not yet received my gift from RateSupermarket.ca. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Scotiabank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Scotiabank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Scotiabank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your Interac e-Transfer or e-gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (August 1 - 31, 2019) and are approved for the featured credit card will receive a $50 e-Gift Card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (August 1 - 31, 2019) for their application to be eligible for this promotion.

I've been approved! When will I receive my Interac e-Transfer or e-gift card?

• Log in to your RateSupermarket.ca profile and wait to receive confirmation of your status from Scotiabank. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your Interac e-Transfer or e-gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift upon approval?

Sorry - this promotion is open only to new Scotiabank credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your Interac e-Transfer or e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a Interac e-Transfer or e-gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca. Information submitted regarding your secret question and answer for Interac e-Transfer are not stored by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift from RateSupermarket.ca?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (August 1 - 31, 2019) you can still qualify for the offer.

What is an Interac e-Transfer?

An Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

How do I deposit an Interac e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email indicating a transfer has been sent to you. The notification includes information about the transfer including:

• Sender's name (RateSupermarket.ca)
• Transfer amount
• The notification also includes a link to deposit your transfer to your bank account.

The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.

If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Can I switch from an e-gift card to Interac e-Transfer if I change my mind?

Unfortunately, no, you are unable to switch your selection from an e-gift card to receive an Interac e-Transfer due to security concerns. You may however change from one e-gift card option to another e-gift card option while your application status is still 'Pending'.

For other frequently asked questions regarding Interac e-Transfer, please visit http://interac.ca/en/Interac-e-transfer-faq.html

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of Interac e-Transfers or e-gift cards to you upon approval of your application and activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. President's Choice Financial®, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca and President's Choice® Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on January 1, 2018, and closes at 11:59PM EST on May 31, 2019 ("Offer Period").

In order to qualify for the Promotion, Participants must:

- Not already have any President's Choice Financial® credit card account, or have applied via RateSupermarket.ca for any President's Choice Financial® Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new President's Choice Financial® online credit card applicants.

- Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.

- Complete the President's Choice Financial® online credit card application and receive confirmation from the Issuer that the application has been approved and the credit card is activated.

- Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.

- Authorize RateSupermarket.ca to receive information regarding credit card approval & activation status, and the time and date of credit card activation, approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of activation from the Issuer to RateSupermarket.ca. If such confirmation of credit card activation from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

All eligible participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive offers totaling up to 20,000 PC Optimum points from the Issuer as follows:

- Apply online and when you receive your PC Financial® Mastercard® credit card, you will also receive four welcome coupons or offers each worth 5,000 PC Optimum points. Use your PC Financial® Mastercard® and redeem each coupon or offer to receive 5,000 PC Optimum points with any purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC Optimum points to be awarded. Each offer is limited to one per new PC Financial® Mastercard® account and may be terminated or changed at any time without notice.

Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards) and in increments of 10,000 points thereafter at participating stores. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Once the approved credit card has been activated, notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card has been activated. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card activation confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

RateSupermarket.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify activated credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval or activation of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: August 31, 2018

How do I apply for this promotion and receive my e-Gift card and 20,000 PC Optimum points?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online President's Choice Financial® credit card application form. Complete the online credit card application form and submit it to President's Choice Financial® - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info to access your RateSupermarket user profile.

Step 3: Confirm your qualification.

Once you have received approval from President's Choice Financial® for your new credit card account and have activated your new card, log in to your RateSupermarket.ca profile to check the status of your offer. Please note it can take up to 60 days for President's Choice Financial® to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from President's Choice Financial® before your gift card can be sent. This can take up to 8 weeks.

Step 4: Get your gift card!

Once RateSupermarket.ca receives confirmation of your approval and activation from President's Choice Financial®, your e-Gift card will be emailed to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

Step 5: Get your 20,000 PC Optimum points!

Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards) and in increments of 10,000 points thereafter at participating stores. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval and activation from President's Choice Financial® first before sending out your e-Gift card, even if you have already received your new credit card.

It can take up to 4 weeks for President's Choice Financial® to confirm this information with RateSupermarket.ca. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

How can I check on the status of my gift card?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All approved customers who apply during the offer period (January 1 - May 31, 2019) that activate the featured credit card will receive a FREE e-Gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply Online' link on RateSupermarket.ca promotional page and apply for, be approved and activate the featured credit card. Applicants must apply within the offer period (January 1 - May 31, 2019) for their application to be eligible for this promotion.

I've been approved! When will I receive my PC Optimum points and e-Gift card?

Great! Once you have received confirmation of your qualification, follow these steps to obtain your gift card:

- Wait for RateSupermarket.ca to receive confirmation of your status from President's Choice Financial®. Please note this can take up to 4 weeks.

- Once RateSupermarket.ca has confirmation that your credit card has been activated, you will be emailed your e-Gift card to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

- *When you receive your PC Financial® Mastercard® credit card, you will also receive four welcome coupons or offers each worth 5,000 PC Optimum points. Use your PC Financial® Mastercard® and redeem each coupon or offer to receive 5,000 PC Optimum points with any purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC Optimum points to be awarded. Each offer is limited to one per new PC Financial® Mastercard® account and may be terminated or changed at any time without notice.

I already have one of these credit cards. Can I still apply and receive a gift card upon activation?

Sorry - this promotion is open only to new President's Choice Financial® credit card applicants who apply online through the Ratesupermarket.ca promotional page.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe before you apply for your credit card in order to be able to claim your e-Gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only online credit card applications placed through the RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, phone number and email address.

Please note that any information you provide in your credit card application is confidential and not accessible by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. The credit card issuer will not provide us with any details about declined applications, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period (January 1 - May 31, 2019), you can still qualify for the offer once the card has been activated.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of a ("Gift"), e-gift card or Interac e-Transfer, to you from RateSupermarket.ca upon approval of your credit card application and where applicable activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca e-gift card/Interac e-Transfer promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Bank of Nova Scotia ("Scotiabank") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

Interac and the listed e-gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.
Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST February 1, 2019 and closes at 11:59PM EST on May 31, 2019 ("Offer Period"). This promotion is valid for:

• Scotiabank®* Gold American Express® card - Receive a $100 e-gift card or Interac e-Transfer from RateSupermarket.ca upon approval.

In order to qualify for the Promotion, Participants must:

• Not already have a Scotiabank Credit Card account. This Promotion is only open to new Scotiabank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Scotiabank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift from RateSupermarket.ca per Issuer (e-gift card OR Interac e-Transfer) for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible e-gift cards OR Interac e-Transfer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. E-gift cards OR Interac e-Transfers will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for e-gift card OR Interac e-Transfer fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with e-gift card OR Interac e-Transfer fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: February 1, 2019

How do I apply for this promotion and receive my Interac e-Transfer or gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Scotiabank credit card application form. Complete the credit card application form and submit it to Scotiabank - your application is finished.

Step 2: Receive your account activation details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with a link to activate your user account and set up a password. Keep this info - you'll need it later to check the status your Interac e-Transfer or e-gift card.

Step 3: Confirm your qualification.

Please note it can take up to 60 days for Scotiabank to process and confirm the status of your credit card application. Following this, it can take up to 4 weeks for RateSupermarket.ca to receive confirmation of your account approval from Scotiabank, at which time your Interac e-Transfer or e-gift card will be ready to be sent. Log in to your profile at any time to see your status.

Step 4: Get your gift!

Once RateSupermarket.ca receives confirmation of your approval from Scotiabank, your Interac e-Transfer or e-gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

I already have my new credit card, but have not yet received my gift from RateSupermarket.ca. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Scotiabank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Scotiabank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Scotiabank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your Interac e-Transfer or e-gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (February 1 - May 31, 2019) and are approved for the featured credit card will receive a Interac e-Transfer or e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (February 1 - May 31, 2019) for their application to be eligible for this promotion.

I've been approved! When will I receive my Interac e-Transfer or e-gift card?

• Log in to your RateSupermarket.ca profile and wait to receive confirmation of your status from Scotiabank. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your Interac e-Transfer or e-gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift upon approval?

Sorry - this promotion is open only to new Scotiabank credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your Interac e-Transfer or e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a Interac e-Transfer or e-gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca. Information submitted regarding your secret question and answer for Interac e-Transfer are not stored by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift from RateSupermarket.ca?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (February 1 - May 31, 2019) you can still qualify for the offer.

What is an Interac e-Transfer?

An Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

How do I deposit an Interac e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email indicating a transfer has been sent to you. The notification includes information about the transfer including:

• Sender's name (RateSupermarket.ca)
• Transfer amount
• The notification also includes a link to deposit your transfer to your bank account.

The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.

If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Can I switch from an e-gift card to Interac e-Transfer if I change my mind?

Unfortunately, no, you are unable to switch your selection from an e-gift card to receive an Interac e-Transfer due to security concerns. You may however change from one e-gift card option to another e-gift card option while your application status is still 'Pending'.

For other frequently asked questions regarding Interac e-Transfer, please visit http://interac.ca/en/Interac-e-transfer-faq.html

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of Interac e-Transfers or e-gift cards to you upon approval of your application and activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. President's Choice Financial®, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca and President's Choice® Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on January 1, 2018, and closes at 11:59PM EST on March 31, 2019 ("Offer Period").

In order to qualify for the Promotion, Participants must:

- Not already have any President's Choice Financial® credit card account, or have applied via RateSupermarket.ca for any President's Choice Financial® Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new President's Choice Financial® online credit card applicants.

- Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.

- Complete the President's Choice Financial® online credit card application and receive confirmation from the Issuer that the application has been approved and the credit card is activated.

- Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.

- Authorize RateSupermarket.ca to receive information regarding credit card approval & activation status, and the time and date of credit card activation, approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of activation from the Issuer to RateSupermarket.ca. If such confirmation of credit card activation from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

All eligible participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive offers totaling up to 20,000 PC Optimum points from the Issuer as follows:

- Apply online and when you receive your PC Financial® Mastercard® credit card, you will also receive four welcome coupons or offers each worth 5,000 PC Optimum points. Use your PC Financial® Mastercard® and redeem each coupon or offer to receive 5,000 PC Optimum points with any purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC Optimum points to be awarded. Each offer is limited to one per new PC Financial® Mastercard® account and may be terminated or changed at any time without notice.

Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards) and in increments of 10,000 points thereafter at participating stores. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Once the approved credit card has been activated, notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card has been activated. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card activation confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

RateSupermarket.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify activated credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval or activation of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: March 31, 2019

How do I apply for this promotion and receive my e-Gift card and 20,000 PC Optimum points?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online President's Choice Financial® credit card application form. Complete the online credit card application form and submit it to President's Choice Financial® - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info to access your RateSupermarket user profile.

Step 3: Confirm your qualification.

Once you have received approval from President's Choice Financial® for your new credit card account and have activated your new card, log in to your RateSupermarket.ca profile to check the status of your offer. Please note it can take up to 60 days for President's Choice Financial® to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from President's Choice Financial® before your gift card can be sent. This can take up to 8 weeks.

Step 4: Get your gift card!

Once RateSupermarket.ca receives confirmation of your approval and activation from President's Choice Financial®, your e-Gift card will be emailed to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

Step 5: Get your 20,000 PC Optimum points!

Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards) and in increments of 10,000 points thereafter at participating stores. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval and activation from President's Choice Financial® first before sending out your e-Gift card, even if you have already received your new credit card.

It can take up to 4 weeks for President's Choice Financial® to confirm this information with RateSupermarket.ca. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

How can I check on the status of my gift card?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All approved customers who apply during the offer period (January 1 - March 31, 2019) that activate the featured credit card will receive a FREE e-Gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply Online' link on RateSupermarket.ca promotional page and apply for, be approved and activate the featured credit card. Applicants must apply within the offer period (January 1 - March 31, 2019) for their application to be eligible for this promotion.

I've been approved! When will I receive my PC Optimum points and e-Gift card?

Great! Once you have received confirmation of your qualification, follow these steps to obtain your gift card:

- Wait for RateSupermarket.ca to receive confirmation of your status from President's Choice Financial®. Please note this can take up to 4 weeks.

- Once RateSupermarket.ca has confirmation that your credit card has been activated, you will be emailed your e-Gift card to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

- *When you receive your PC Financial® Mastercard® credit card, you will also receive four welcome coupons or offers each worth 5,000 PC Optimum points. Use your PC Financial® Mastercard® and redeem each coupon or offer to receive 5,000 PC Optimum points with any purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC Optimum points to be awarded. Each offer is limited to one per new PC Financial® Mastercard® account and may be terminated or changed at any time without notice.

I already have one of these credit cards. Can I still apply and receive a gift card upon activation?

Sorry - this promotion is open only to new President's Choice Financial® credit card applicants who apply online through the Ratesupermarket.ca promotional page.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe before you apply for your credit card in order to be able to claim your e-Gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only online credit card applications placed through the RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, phone number and email address.

Please note that any information you provide in your credit card application is confidential and not accessible by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. The credit card issuer will not provide us with any details about declined applications, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period (January 1 - March 31, 2019), you can still qualify for the offer once the card has been activated.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by Meridian Credit Union Limited ("Meridian") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of a ("Gift") Interac e-Transfer, to you from RateSupermarket.ca upon approval of your credit card application and where applicable activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca Interac e-Transfer promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. Meridian Credit Union Limited ("Meridian") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

Interac is in no way affiliated with RateSupermarket.ca.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 5:00PM EST November 6, 2018 and closes at 11:59PM EST on January 31, 2019 ("Offer Period"). This promotion is valid for:

Meridian™ Visa Infinite* Travel Rewards Card - Receive a $100 Interac e-Transfer from RateSupermarket.ca upon approval.
Meridian™ Visa Infinite* Cash Back Card - Receive a $100 Interac e-Transfer from RateSupermarket.ca upon approval.
Meridian™Visa* Cash Back Card - Receive a $50 Interac e-Transfer from RateSupermarket.ca upon approval.
Meridian™ Visa Platinum* Cash Back Card - Receive a $50 Interac e-Transfer from RateSupermarket.ca upon approval

In order to qualify for the Promotion, Participants must:

• Not already have a Meridian Credit Card account. This Promotion is only open to new Meridian Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Meridian Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift from RateSupermarket.ca per Issuer (Interac e-Transfer) for the duration of the Promotion and the Offer Period. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible Interac e-Transfers will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Interac e-Transfers will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for Interac e-Transfer fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with Interac e-Transfer fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: November 6, 2018

How do I apply for this promotion and receive my Interac e-Transfer?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Meridian credit card application form. Complete the credit card application form and submit it to Meridian - your application is finished.

Step 2: Receive your account activation details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with a link to activate your user account and set up a password. Keep this info - you'll need it later to check the status your Interac e-Transfer.

Step 3: Confirm your qualification.

Please note it can take up to 60 days for Meridian to process and confirm the status of your credit card application. Following this, it can take up to 4 weeks for RateSupermarket.ca to receive confirmation of your account approval from Meridian, at which time your Interac e-Transfer will be ready to be sent. Log in to your profile at any time to see your status.

Step 4: Get your gift!

Once RateSupermarket.ca receives confirmation of your approval from Meridian, your Interac e-Transfer will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

I already have my new credit card, but have not yet received my gift from RateSupermarket.ca. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Meridian first before sending out your gift card, even if you have already received your new credit card.
It can take up to 4 weeks for Meridian to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Meridian directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your Interac e-Transfer will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period and are approved for the featured credit card will receive a Interac e-Transfer from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period for their application to be eligible for this promotion.
I've been approved!

When will I receive my Interac e-Transfer?

• Log in to your RateSupermarket.ca profile and wait to receive confirmation of your status from Meridian. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your Interac e-Transfer to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift upon approval?

Sorry - this promotion is open only to new Meridian credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your Interac e-Transfer. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a Interac e-Transfer.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.
Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca. Information submitted regarding your secret question and answer for Interac e-Transfer are not stored by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift from RateSupermarket.ca?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period you can still qualify for the offer.

What is an Interac e-Transfer?

An Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

How do I deposit an Interac e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email indicating a transfer has been sent to you. The notification includes information about the transfer including:
• Sender's name (RateSupermarket.ca)
• Transfer amount
• The notification also includes a link to deposit your transfer to your bank account.
The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.
If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.
If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

For other frequently asked questions regarding Interac e-Transfer, please visit http://interac.ca/en/Interac-e-transfer-faq.html

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.
By clicking 'Apply Online' you consent to the disclosure of your account application status by Meridian Credit Union ("Meridian ") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of Interac e-Transfers to you upon approval of your application and activation of your new card.

By clicking 'Apply Online' you consent to the disclosure of your account application status by Meridian Credit Union Limited ("Meridian") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of a ("Gift") Interac e-Transfer, to you from RateSupermarket.ca upon approval of your credit card application and where applicable activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca Interac e-Transfer promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. Meridian Credit Union Limited ("Meridian") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

Interac is in no way affiliated with RateSupermarket.ca. 

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 5:00PM EST November 6, 2018 and closes at 11:59PM EST on January 31, 2019 ("Offer Period"). This promotion is valid for:

Meridian™ Visa Infinite* Travel Rewards Card - Receive a $100 Interac e-Transfer from RateSupermarket.ca upon approval.
Meridian™ Visa Infinite* Cash Back Card - Receive a $100 Interac e-Transfer from RateSupermarket.ca upon approval.
Meridian™Visa* Cash Back Card - Receive a $50 Interac e-Transfer from RateSupermarket.ca upon approval.
Meridian™ Visa Platinum* Cash Back Card - Receive a $50 Interac e-Transfer from RateSupermarket.ca upon approval

In order to qualify for the Promotion, Participants must:

• Not already have a Meridian Credit Card account. This Promotion is only open to new Meridian Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Meridian Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift from RateSupermarket.ca per Issuer (Interac e-Transfer) for the duration of the Promotion and the Offer Period.  If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible  Interac e-Transfers will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Interac e-Transfers will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for Interac e-Transfer fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with Interac e-Transfer fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: November 6, 2018

How do I apply for this promotion and receive my Interac e-Transfer?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Meridian credit card application form. Complete the credit card application form and submit it to Meridian - your application is finished.

Step 2: Receive your account activation details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with a link to activate your user account and set up a password. Keep this info - you'll need it later to check the status your Interac e-Transfer.

Step 3: Confirm your qualification.

Please note it can take up to 60 days for Meridian to process and confirm the status of your credit card application. Following this, it can take up to 4 weeks for RateSupermarket.ca to receive confirmation of your account approval from Meridian, at which time your Interac e-Transfer will be ready to be sent. Log in to your profile at any time to see your status.

Step 4: Get your gift!

Once RateSupermarket.ca receives confirmation of your approval from Meridian, your Interac e-Transfer will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

I already have my new credit card, but have not yet received my gift from RateSupermarket.ca. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Meridian first before sending out your gift card, even if you have already received your new credit card.
It can take up to 4 weeks for Meridian to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Meridian directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your Interac e-Transfer will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period and are approved for the featured credit card will receive a Interac e-Transfer from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period for their application to be eligible for this promotion.
I've been approved!

When will I receive my Interac e-Transfer?

• Log in to your RateSupermarket.ca profile and wait to receive confirmation of your status from Meridian. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your Interac e-Transfer to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift upon approval?

Sorry - this promotion is open only to new Meridian credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your Interac e-Transfer. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a Interac e-Transfer.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.
Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca. Information submitted regarding your secret question and answer for Interac e-Transfer are not stored by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift from RateSupermarket.ca?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period you can still qualify for the offer.

What is an Interac e-Transfer?

An Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

How do I deposit an Interac e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email indicating a transfer has been sent to you. The notification includes information about the transfer including:
• Sender's name (RateSupermarket.ca)
• Transfer amount
• The notification also includes a link to deposit your transfer to your bank account.
The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.
If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.
If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

For other frequently asked questions regarding Interac e-Transfer, please visit http://interac.ca/en/Interac-e-transfer-faq.html

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.
By clicking 'Apply Online' you consent to the disclosure of your account application status by Meridian Credit Union ("Meridian ") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of Interac e-Transfers to you upon approval of your application and activation of your new card.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of a ("Gift"), e-Gift card or Interac e-Transfer, to you from RateSupermarket.ca upon approval of your credit card application and where applicable activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca e-Gift card/Interac e-Transfer promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Bank of Nova Scotia ("Scotiabank") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

Interac and the listed e-Gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 10:00AM EST October 9, 2018 and closes at 11:59PM EST on December 31, 2018 ("Offer Period"). This promotion is valid for:

Scotiabank®* Gold American Express® card - Receive a $100 e-Gift card or Interac e-Transfer from RateSupermarket.ca upon approval.

In order to qualify for the Promotion, Participants must:

• Not already have a Scotiabank Credit Card account. This Promotion is only open to new Scotiabank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Scotiabank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift from RateSupermarket.ca per Issuer (e-Gift card OR Interac e-Transfer) for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible e-Gift cards OR Interac e-Transfer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. E-Gift cards OR Interac e-Transfers will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for e-Gift card OR Interac e-Transfer fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with e-Gift card OR Interac e-Transfer fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: October 9, 2018

How do I apply for this promotion and receive my Interac e-Transfer or gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Scotiabank credit card application form. Complete the credit card application form and submit it to Scotiabank - your application is finished.

Step 2: Receive your account activation details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with a link to activate your user account and set up a password. Keep this info - you'll need it later to check the status your Interac e-Transfer or e-Gift card.

Step 3: Confirm your qualification.

Please note it can take up to 60 days for Scotiabank to process and confirm the status of your credit card application. Following this, it can take up to 4 weeks for RateSupermarket.ca to receive confirmation of your account approval from Scotiabank, at which time your Interac e-Transfer or e-Gift card will be ready to be sent. Log in to your profile at any time to see your status.

Step 4: Get your gift!

Once RateSupermarket.ca receives confirmation of your approval from Scotiabank, your Interac e-Transfer or e-Gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

I already have my new credit card, but have not yet received my gift from RateSupermarket.ca. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Scotiabank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Scotiabank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Scotiabank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your Interac e-Transfer or e-Gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (October 9 – December 31, 2018) and are approved for the featured credit card will receive a Interac e-Transfer or e-Gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (October 9 – December 31, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my Interac e-Transfer or e-Gift card?

• Log in to your RateSupermarket.ca profile and wait to receive confirmation of your status from Scotiabank. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your Interac e-Transfer or e-Gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift upon approval?

Sorry - this promotion is open only to new Scotiabank credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your Interac e-Transfer or e-Gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a Interac e-Transfer or e-Gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca. Information submitted regarding your secret question and answer for Interac e-Transfer are not stored by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift from RateSupermarket.ca?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (October 9 – December 31, 2018) you can still qualify for the offer.

What is an Interac e-Transfer?

An Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

How do I deposit an Interac e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email indicating a transfer has been sent to you. The notification includes information about the transfer including:

• Sender's name (RateSupermarket.ca)
• Transfer amount
• The notification also includes a link to deposit your transfer to your bank account.

The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.

If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Can I switch from an e-Gift card to Interac e-Transfer if I change my mind?

Unfortunately, no, you are unable to switch your selection from an e-Gift card to receive an Interac e-Transfer due to security concerns. You may however change from one e-Gift card option to another e-Gift card option while your application status is still 'Pending'.

For other frequently asked questions regarding Interac e-Transfer, please visit http://interac.ca/en/Interac-e-transfer-faq.html

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of Interac e-Transfers or e-Gift cards to you upon approval of your application and activation of your new card.

By clicking 'Apply Online' you consent to the disclosure of your account application status by Tangerine Bank ("Tangerine") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of a ("Gift"), e-gift card or Interac e-Transfer, to you from RateSupermarket.ca upon approval of your credit card application and where applicable activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca e-gift card/Interac e-Transfer promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. Tangerine Bank ("Tangerine") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

Interac and the listed e-gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 00:00PM EST August 1, 2018 and closes at 11:59PM EST on August 31, 2018 ("Offer Period"). This promotion is valid for:

• Tangerine Money-Back Credit Card - Receive a $50 e-gift card or Interac e-Transfer from RateSupermarket.ca upon approval.

In order to qualify for the Promotion, Participants must:

• Not already have a Tangerine Credit Card account. This Promotion is only open to new Tangerine Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Tangerine Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift from RateSupermarket.ca per Issuer (e-gift card OR Interac e-Transfer) for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible e-gift cards OR Interac e-Transfer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. E-gift cards OR Interac e-Transfers will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for e-gift card OR Interac e-Transfer fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with e-gift card OR Interac e-Transfer fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.
The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: August 1, 2018

How do I apply for this promotion and receive my Interac e-Transfer or e-gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Tangerine credit card application form. Complete the credit card application form and submit it to Tangerine - your application is finished.

Step 2: Receive your account activation details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with a link to activate your user account and set up a password. Keep this info - you'll need it later to check the status your Interac e-Transfer or e-gift card.

Step 3: Confirm your qualification.

Please note it can take up to 60 days for Tangerine to process and confirm the status of your credit card application. Following this, it can take up to 4 weeks for RateSupermarket.ca to receive confirmation of your account approval from Tangerine, at which time your Interac e-Transfer or e-gift card will be ready to be sent. Log in to your profile at any time to see your status.

Step 4: Get your gift!

Once RateSupermarket.ca receives confirmation of your approval from Tangerine, your Interac e-Transfer or e-gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

I already have my new credit card, but have not yet received my gift from RateSupermarket.ca. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Tangerine first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Tangerine to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Tangerine directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your Interac e-Transfer or e-gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (August 1 – August 31, 2018) and are approved for the featured credit card will receive a Interac e-Transfer or e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (August 1 – August 31, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my Interac e-Transfer or e-gift card?

• Log in to your RateSupermarket.ca profile and wait to receive confirmation of your status from Tangerine. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your Interac e-Transfer or e-gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift upon approval?

Sorry - this promotion is open only to new Tangerine credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your Interac e-Transfer or e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a Interac e-Transfer or e-gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca. Information submitted regarding your secret question and answer for Interac e-Transfer are not stored by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift from RateSupermarket.ca?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (August 1 – August 31, 2018) you can still qualify for the offer.

What is an Interac e-Transfer?

An Interac  e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

How do I deposit an Interac e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email indicating a transfer has been sent to you. The notification includes information about the transfer including:
• Sender's name (RateSupermarket.ca)
• Transfer amount
• The notification also includes a link to deposit your transfer to your bank account.

The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.

If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Can I switch from an e-gift card to Interac e-Transfer if I change my mind?

Unfortunately, no, you are unable to switch your selection from an e-gift card to receive an Interac e-Transfer due to security concerns. You may however change from one e-gift card option to another e-gift card option while your application status is still 'Pending'.

For other frequently asked questions regarding Interac e-Transfer, please visit http://interac.ca/en/Interac-e-transfer-faq.html

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by Tangerine Bank ("Tangerine") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of Interac e-Transfers or e-gift cards to you upon approval of your application and activation of your new card.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of a ("Gift"), e-gift card or Interac e-Transfer, to you from RateSupermarket.ca upon approval of your credit card application and where applicable activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca e-gift card/Interac e-Transfer promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Bank of Nova Scotia ("Scotiabank") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

Interac and the listed e-gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.
Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST May 7, 2018 and closes at 11:59PM EST on May 31, 2018 ("Offer Period"). This promotion is valid for:

• Scotia Momentum® VISA Infinite* card - Receive a $75 e-gift card or Interac e-Transfer from RateSupermarket.ca upon approval.
• Scotiabank Passport® VISA Infinite* card - Receive a $75 e-gift card or Interac e-Transfer from RateSupermarket.ca upon approval.
• Scotiabank®* Gold American Express® card - Receive a $75 e-gift card or Interac e-Transfer from RateSupermarket.ca upon approval.

In order to qualify for the Promotion, Participants must:

• Not already have a Scotiabank Credit Card account. This Promotion is only open to new Scotiabank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Scotiabank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift from RateSupermarket.ca per Issuer (e-gift card OR Interac e-Transfer) for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible e-gift cards OR Interac e-Transfer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. E-gift cards OR Interac e-Transfers will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for e-gift card OR Interac e-Transfer fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with e-gift card OR Interac e-Transfer fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: May 7, 2018

How do I apply for this promotion and receive my Interac e-Transfer or gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Scotiabank credit card application form. Complete the credit card application form and submit it to Scotiabank - your application is finished.

Step 2: Receive your account activation details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with a link to activate your user account and set up a password. Keep this info - you'll need it later to check the status your Interac e-Transfer or e-gift card.

Step 3: Confirm your qualification.

Please note it can take up to 60 days for Scotiabank to process and confirm the status of your credit card application. Following this, it can take up to 4 weeks for RateSupermarket.ca to receive confirmation of your account approval from Scotiabank, at which time your Interac e-Transfer or e-gift card will be ready to be sent. Log in to your profile at any time to see your status.

Step 4: Get your gift!

Once RateSupermarket.ca receives confirmation of your approval from Scotiabank, your Interac e-Transfer or e-gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

I already have my new credit card, but have not yet received my gift from RateSupermarket.ca. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Scotiabank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Scotiabank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Scotiabank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your Interac e-Transfer or e-gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (May 7 – May 31, 2018) and are approved for the featured credit card will receive a Interac e-Transfer or e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (May 7 – May 31, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my Interac e-Transfer or e-gift card?

• Log in to your RateSupermarket.ca profile and wait to receive confirmation of your status from Scotiabank. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your Interac e-Transfer or e-gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift upon approval?

Sorry - this promotion is open only to new Scotiabank credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your Interac e-Transfer or e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a Interac e-Transfer or e-gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca. Information submitted regarding your secret question and answer for Interac e-Transfer are not stored by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift from RateSupermarket.ca?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (May 7 – May 31, 2018) you can still qualify for the offer.

What is an Interac e-Transfer?

An Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

How do I deposit an Interac e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email indicating a transfer has been sent to you. The notification includes information about the transfer including:

• Sender's name (RateSupermarket.ca)
• Transfer amount
• The notification also includes a link to deposit your transfer to your bank account.

The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.

If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Can I switch from an e-gift card to Interac e-Transfer if I change my mind?

Unfortunately, no, you are unable to switch your selection from an e-gift card to receive an Interac e-Transfer due to security concerns. You may however change from one e-gift card option to another e-gift card option while your application status is still 'Pending'.

For other frequently asked questions regarding Interac e-Transfer, please visit http://interac.ca/en/Interac-e-transfer-faq.html

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of Interac e-Transfers or e-gift cards to you upon approval of your application and activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on April 1st, 2018, and closes at 11:59PM EST on May 31st, 2018 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Edmonton Oilers® MBNA Rewards Mastercard® credit card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (April 1st, 2018 to May 31st, 2018) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (April 1st, 2018 to May 31st, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus® MasterCard® Credit Card
cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (April 1st, 2018 to May 31st, 2018), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on April 1st, 2018, and closes at 11:59PM EST on May 31st, 2018 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Winnipeg Jets® MBNA Rewards Mastercard® credit card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (April 1st, 2018 to May 31st, 2018) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (April 1st, 2018 to May 31st, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus® MasterCard® Credit Card
cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (April 1st, 2018 to May 31st, 2018), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on April 1st, 2018, and closes at 11:59PM EST on May 31st, 2018 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Calgary Flames® MBNA Rewards Mastercard® credit card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (April 1st, 2018 to May 31st, 2018) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (April 1st, 2018 to May 31st, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus® MasterCard® Credit Card
cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (April 1st, 2018 to May 31st, 2018), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on April 1st, 2018, and closes at 11:59PM EST on May 31st, 2018 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Toronto Raptors® MBNA Rewards Mastercard® credit card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (April 1st, 2018 to May 31st, 2018) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (April 1st, 2018 to May 31st, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus® MasterCard® Credit Card
cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (April 1st, 2018 to May 31st, 2018), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on April 1st, 2018, and closes at 11:59PM EST on May 31st, 2018 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Vancouver Canucks® MBNA Rewards Mastercard® credit card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (April 1st, 2018 to May 31st, 2018) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (April 1st, 2018 to May 31st, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus® MasterCard® Credit Card
cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (April 1st, 2018 to May 31st, 2018), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on April 1st, 2018, and closes at 11:59PM EST on May 31st, 2018 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Ottawa Senators® MBNA Rewards Mastercard® credit card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (April 1st, 2018 to May 31st, 2018) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (April 1st, 2018 to May 31st, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus® MasterCard® Credit Card
cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (April 1st, 2018 to May 31st, 2018), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on April 1st, 2018, and closes at 11:59PM EST on May 31st, 2018 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Montreal Canadians® MBNA Rewards Mastercard® credit card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (April 1st, 2018 to May 31st, 2018) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (April 1st, 2018 to May 31st, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus® MasterCard® Credit Card
cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (April 1st, 2018 to May 31st, 2018), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on April 1st, 2018, and closes at 11:59PM EST on May 31st, 2018 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Toronto Maple Leafs® MBNA Rewards Mastercard® credit card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (April 1st, 2018 to May 31st, 2018) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (April 1st, 2018 to May 31st, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus® MasterCard® Credit Card
cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (April 1st, 2018 to May 31st, 2018), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on April 1st, 2018, and closes at 11:59PM EST on May 31st, 2018 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the MBNA Platinum Plus® MasterCard® Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (April 1st, 2018 to May 31st, 2018) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (April 1st, 2018 to May 31st, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus® MasterCard® Credit Card
cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (April 1st, 2018 to May 31st, 2018), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00AM EST on February 15, 2018, and closes at 11:59PM EST on April 30, 2018 ("Offer Period").

In order to qualify for the Promotion, Participants must:

- Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.

- Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.

- Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.

- Complete the Toronto Blue Jays™ MBNA Rewards Mastercard® credit card application and receive confirmation from the Issuer that the application has been approved.

- Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.

- Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

- By applying for this credit card account through RateSupermarket.ca, you consent to the disclosure of your account approval status by MBNA to RateSupermarket.ca for the purposes of (i) fulfillment and delivery of a RateSupermarket.ca gift card to you upon approval of your application in connection with this offer; and (ii) fulfillment of contractual obligations between MBNA and RateSupermarket.ca in connection with this offer.

Each Participant in this Promotion is only eligible to receive one (1) $50 e-gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative.

The Promotion is void where prohibited.

This offer is only available to individuals who are the age of majority in their province or territory of permanent residence on March 1, 2018 who apply online for a Toronto Blue Jays™ MBNA Rewards Mastercard® credit card and, if approved, make one or more eligible purchases by July 31, 2018. This promotion is offered by The Toronto-Dominion Bank, operating a division as MBNA and can be changed, extended or withdrawn at any time. Only the initial 1,400 applicants that qualify for the offer will receive a baseball. Please allow approximately 4-6 weeks after your qualifying eligible purchase for baseball to be delivered.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

All trade-marks are the property of their respective owners.

®MBNA and other trade-marks are the property of The Toronto-Dominion Bank.

™TORONTO BLUE JAYS and all related marks and designs are trademarks and/or copyright of Rogers Blue Jays Baseball Partnership, used under licence.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.

Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!

Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

After you have logged in to your RateSupermarket.ca profile and added the last 4 digits of your new credit card, RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation that your application was approved, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (February 15, 2018 to April 30, 2018) and are approved for the featured credit card will receive a FREE $50 e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (February 15, 2018 to April 30, 2018) for their application to be eligible for this promotion.

My credit card application has been approved! When will I receive my gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

- Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.

- Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.

- Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus® Mastercard® credit card cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you submit in your credit card application to MBNA is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (February 15, 2018 to April 30, 2018), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of a ("Gift"), e-gift card or Interac e-Transfer, to you from RateSupermarket.ca upon approval of your credit card application and where applicable activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca e-gift card/Interac e-Transfer promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Bank of Nova Scotia ("Scotiabank") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

Interac and the listed e-gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.
Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST March 26, 2018 and closes at 11:59PM EST on March 31, 2018 ("Offer Period"). This promotion is valid for:

• Scotiabank® GM®* Visa* Infinite Card - Receive a $75 e-gift card or Interac e-Transfer from RateSupermarket.ca upon approval.
• Scotiabank® GM®* Visa* Card - Receive a $50 e-gift card or Interac e-Transfer from RateSupermarket.ca upon approval.

In order to qualify for the Promotion, Participants must:

• Not already have a Scotiabank Credit Card account. This Promotion is only open to new Scotiabank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Scotiabank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift from RateSupermarket.ca per Issuer (e-gift card OR Interac e-Transfer) for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible e-gift cards OR Interac e-Transfer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. E-gift cards OR Interac e-Transfers will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for e-gift card OR Interac e-Transfer fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with e-gift card OR Interac e-Transfer fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: March 26, 2018

How do I apply for this promotion and receive my Interac e-Transfer or gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Scotiabank credit card application form. Complete the credit card application form and submit it to Scotiabank - your application is finished.

Step 2: Receive your account activation details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with a link to activate your user account and set up a password. Keep this info - you'll need it later to check the status your Interac e-Transfer or e-gift card.

Step 3: Confirm your qualification.

Please note it can take up to 60 days for Scotiabank to process and confirm the status of your credit card application. Following this, it can take up to 4 weeks for RateSupermarket.ca to receive confirmation of your account approval from Scotiabank, at which time your Interac e-Transfer or e-gift card will be ready to be sent. Log in to your profile at any time to see your status.

Step 4: Get your gift!

Once RateSupermarket.ca receives confirmation of your approval from Scotiabank, your Interac e-Transfer or e-gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

I already have my new credit card, but have not yet received my gift from RateSupermarket.ca. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Scotiabank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Scotiabank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Scotiabank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your Interac e-Transfer or e-gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (March 26 – March 31, 2018) and are approved for the featured credit card will receive a Interac e-Transfer or e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (March 26 – March 31, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my Interac e-Transfer or e-gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

• Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
• Wait for RateSupermarket.ca to receive confirmation of your status from Scotiabank. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your Interac e-Transfer or e-gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift upon approval?

Sorry - this promotion is open only to new Scotiabank credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your Interac e-Transfer or e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a Interac e-Transfer or e-gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca. Information submitted regarding your secret question and answer for Interac e-Transfer are not stored by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift from RateSupermarket.ca?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (March 26 – March 31, 2018) you can still qualify for the offer.

What is an Interac e-Transfer?

An Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

How do I deposit an Interac e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email indicating a transfer has been sent to you. The notification includes information about the transfer including:

• Sender's name (RateSupermarket.ca)
• Transfer amount
• The notification also includes a link to deposit your transfer to your bank account.

The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.

If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Can I switch from an e-gift card to Interac e-Transfer if I change my mind?

Unfortunately, no, you are unable to switch your selection from an e-gift card to receive an Interac e-Transfer due to security concerns. You may however change from one e-gift card option to another e-gift card option while your application status is still 'Pending'.

For other frequently asked questions regarding Interac e-Transfer, please visit  http://interac.ca/en/Interac-e-transfer-faq.html

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779. 

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of Interac e-Transfers or e-gift cards to you upon approval of your application and activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Bank of Nova Scotia ("Scotiabank®") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 10:00AM EST on March 19th, 2018 and closes at 11:59PM EST on March 30th, 2018 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a Scotiabank® Credit Card account. This Promotion is only open to new Scotiabank® Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Scotiabank® Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Updated: March 16th, 2018

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online Scotiabank credit card application form. Complete the credit card application form and submit it to Scotiabank - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from Scotiabank for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for Scotiabank to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from Scotiabank before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from Scotiabank, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Scotiabank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Scotiabank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Scotiabank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (March 19 – March 30, 2018) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (March 19 – March 30, 2018) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from Scotiabank. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new Scotiabank credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (March 19 – March 30, 2018) you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of e-gift cards to you upon approval of your application and activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. President's Choice Financial®, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca and President's Choice Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 11:00AM EST on December 13, 2017, and closes at 11:59PM EST on December 31, 2017 ("Offer Period").

In order to qualify for the Promotion, Participants must:

- Not already have any President's Choice Financial® credit card account, or have applied via RateSupermarket.ca for any President's Choice Financial® Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new President's Choice Financial® online credit card applicants.

- Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.

- Complete the President's Choice Financial® online credit card application and receive confirmation from the Issuer that the application has been approved and the credit card is activated.

- Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.

- Authorize RateSupermarket.ca to receive information regarding credit card approval & activation status, and the time and date of credit card activation, approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of activation from the Issuer to RateSupermarket.ca. If such confirmation of credit card activation from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

All eligible participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive offers totaling up to 20,000 PC® points from the Issuer as follows:

- Apply online and when you receive your PC Financial Mastercard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial Mastercard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial Mastercard account and may be terminated or changed at any time without notice.

Minimum redemption is 20,000 PC points (worth $20in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pcplus.ca for details.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Once the approved credit card has been activated, notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card has been activated. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card activation confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

RateSupermarket.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify activated credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval or activation of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such astext, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: December 12, 2017

How do I apply for this promotion and receive my e-gift card and 20,000 PC® points?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online President's Choice Financial® credit card application form. Complete the online credit card application form and submit it to President's Choice Financial® - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info to access your RateSupermarket user profile.

Step 3: Confirm your qualification.

Once you have received approval from President's Choice Financial® for your new credit card account and have activated your new card, log in to your RateSupermarket.ca profile to check the status of your offer. Please note it can take up to 60 days for President's Choice Financial® to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from President's Choice Financial® before your gift card can be sent. This can take up to 8 weeks.

Step 4: Get your gift card!

Once RateSupermarket.ca receives confirmation of your approval and activation from President's Choice Financial®, your e-gift card will be emailed to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

Step 5: Get your 20,000 PC® points!

Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice® products are sold. Some redemption restrictions apply. See pcplus.ca for details.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval and activation from President's Choice Financial® first before sending out your e-gift card, even if you have already received your new credit card.

It can take up to 4 weeks for President's Choice Financial® to confirm this information with RateSupermarket.ca. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

How can I check on the status of my gift card?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All approved customers who apply during the offer period (December 13 - December 31, 2017) that activate the featured credit card will receive a FREE e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply Online' link on RateSupermarket.ca promotional page and apply for, be approved and activate the featured credit card. Applicants must apply within the offer period (December 13 - December 31) for their application to be eligible for this promotion.

I've been approved! When will I receive my PC points and e-gift card?

Great! Once you have received confirmation of your qualification, follow these steps to obtain your gift card:

- Wait for RateSupermarket.ca to receive confirmation of your status from President's Choice Financial®. Please note this can take up to 4 weeks.

- Once RateSupermarket.ca has confirmation that your credit card has been activated, you will be emailed your e-gift card to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

- *When you receive your PC Financial Mastercard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial Mastercard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial Mastercard account and may be terminated or changed at any time without notice.

I already have one of these credit cards. Can I still apply and receive a gift card upon activation?

Sorry - this promotion is open only to new President's Choice Financial® credit card applicants who apply online through the Ratesupermarket.ca promotional page.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe before you apply for your credit card in order to be able to claim your e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only online credit card applications placed through the RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, phone number and email address.

Please note that any information you provide in your credit card application is confidential and not accessible by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. The credit card issuer will not provide us with any details about declined applications, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period (December 13 - December 31), you can still qualify for the offer once the card has been activated.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Bank of Nova Scotia ("Scotiabank") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:01AM EST on November 24th, 2017 and closes at 11:59PM EST on November 30th, 2017 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a Scotiabank Credit Card account. This Promotion is only open to new Scotiabank Credit Card applicants.

• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.

• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.

• Complete the Scotiabank Credit Card application and receive confirmation from the Issuer that the application has been approved.

• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.

• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Update: November 9, 2017

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Scotiabank credit card application form. Complete the credit card application form and submit it to Scotiabank - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.

Once you have received approval from Scotiabank for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for Scotiabank to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from Scotiabank before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!

Once RateSupermarket.ca receives confirmation of your approval from Scotiabank, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.
Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Scotiabank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Scotiabank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Scotiabank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (November 24th, 2017 – November 30th, 2017) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (November 24th, 2017 – November 30th, 2017) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.

● Wait for RateSupermarket.ca to receive confirmation of your status from Scotiabank. Please note this can take up to 4 weeks.

● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new Scotiabank credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (November 24th, 2017 – November 30th, 2017) you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of e-gift cards to you upon approval of your application and activation of your new card.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 5:00PM EST on August 24, 2017, and closes at 11:59PM EST on October 31st, 2017 ("Offer Period").

In order to qualify for the Promotion, Participants must:

- Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.

- Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.

- Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.

- Complete the MBNA Platinum Plus^® Mastercard^® Credit Card application and receive confirmation from the Issuer that the application has been approved.

- Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.

- Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

- By applying for this credit card account through RateSupermarket.ca, you consent to the disclosure of your account approval status by MBNA to RateSupermarket.ca for the purposes of (i) fulfillment and delivery of a RateSupermarket.ca gift card to you upon approval of your application in connection with this offer; and (ii) fulfillment of contractual obligations between MBNA and RateSupermarket.ca in connection with this offer.

Each Participant in this Promotion is only eligible to receive one (1) $75 e-gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA^® credit card application form . Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

After you have logged in to your RateSupermarket.ca profile and added the last 4 digits of your new credit card, RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation that your application was approved, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (August 24, 2017 to October 31, 2017) and are approved for the featured credit card will receive a FREE $75 e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (August 24, 2017 to October 31, 2017) for their application to be eligible for this promotion.

My credit card application has been approved! When will I receive my gift card?

Great! Once you have received confirmation of your qualification, follow these steps:

• Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
• Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus^® Mastercard^® Credit Card
cardholders. 

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you submit in your credit card application to MBNA is confidential and not accessible to RateSupermarket.ca. 

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (August 24, 2017 to October 31, 2017), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. President's Choice Financial®, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca and President's Choice Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 11:59AM EST on June 5th, 2017, and closes at 11:59PM EST on August 31st, 2017 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have any President's Choice Financial® credit card account, or have applied via RateSupermarket.ca for any President's Choice Financial® Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new President's Choice Financial® online credit card applicants.

• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Complete the President's Choice Financial® online credit card application and receive confirmation from the Issuer that the application has been approved and the credit card is activated.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive information regarding credit card approval & activation status, and the time and date of credit card activation, approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of activation from the Issuer to RateSupermarket.ca. If such confirmation of credit card activation from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

All eligible participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive offers totaling up to 20,000 PC® points from the Issuer as follows:

• Apply online and when you receive your PC Financial Mastercard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial Mastercard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial Mastercard account and may be terminated or changed at any time without notice.

Minimum redemption is 20,000 PC points (worth $20in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pcplus.ca for details.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Once the approved credit card has been activated, notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card has been activated. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card activation confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

RateSupermarket.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify activated credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval or activation of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: May 23, 2017

How do I apply for this promotion and receive my e-gift card and 20,000 PC® points?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online President's Choice Financial® credit card application form. Complete the online credit card application form and submit it to President's Choice Financial® - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info to access your RateSupermarket user profile.

Step 3: Confirm your qualification.
Once you have received approval from President's Choice Financial® for your new credit card account and have activated your new card, log in to your RateSupermarket.ca profile to check the status of your offer. Please note it can take up to 60 days for President's Choice Financial® to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from President's Choice Financial® before your gift card can be sent. This can take up to 8 weeks.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval and activation from President's Choice Financial®, your e-gift card will be emailed to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

Step 5: Get your 20,000 PC® points!
Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice® products are sold. Some redemption restrictions apply. See pcplus.ca for details.
Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval and activation from President's Choice Financial® first before sending out your e-gift card, even if you have already received your new credit card.

It can take up to 4 weeks for President's Choice Financial® to confirm this information with RateSupermarket.ca. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

How can I check on the status of my gift card?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All approved customers who apply during the offer period (June 5th 2017 to August 31st, 2017) that activate the featured credit card will receive a FREE e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply Online' link on RateSupermarket.ca promotional page and apply for, be approved and activate the featured credit card. Applicants must apply within the offer period (June 5th, 2017 to August 31st, 2017) for their application to be eligible for this promotion.

I've been approved! When will I receive my PC points and e-gift card?

Great! Once you have received confirmation of your qualification, follow these steps to obtain your gift card:

● Wait for RateSupermarket.ca to receive confirmation of your status from President's Choice Financial®. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation that your credit card has been activated, you will be emailed your e-gift card to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.
● *When you receive your PC Financial Mastercard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial Mastercard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial Mastercard account and may be terminated or changed at any time without notice.

I already have one of these credit cards. Can I still apply and receive a gift card upon activation?

Sorry - this promotion is open only to new President's Choice Financial® credit card applicants who apply online through the Ratesupermarket.ca promotional page.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe before you apply for your credit card in order to be able to claim your e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only online credit card applications placed through the RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, phone number and email address.

Please note that any information you provide in your credit card application is confidential and not accessible by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. The credit card issuer will not provide us with any details about declined applications, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period (June 5th, 2017 to August 31st, 2017), you can still qualify for the offer once the card has been activated.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. Scotiabank, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 10:00AM EST on April 13th, 2017 and closes at 11:59PM EST on August 13th, 2017 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a Scotiabank Credit Card account. This Promotion is only open to new Scotiabank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Scotiabank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online Scotiabank credit card application form. Complete the credit card application form and submit it to Scotiabank - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from Scotiabank for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for Scotiabank to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from Scotiabank before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from Scotiabank, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Scotiabank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Scotiabank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Scotiabank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (April 13th, 2017 – August 13th, 2017) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (April 13th, 2017 – August 13th, 2017) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from Scotiabank. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new Scotiabank credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (April 13th, 2017 – August 13th, 2017) you can still qualify for the offer.

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. President's Choice Financial®, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca and President's Choice Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 10:00am on June 26th and closes at 11:59PM EST on July 9th, 2017 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have any President's Choice Financial® credit card account, or have applied via RateSupermarket.ca for any President's Choice Financial® Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new President's Choice Financial® online credit card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Complete the President's Choice Financial® online credit card application and receive confirmation from the Issuer that the application has been approved and the credit card is activated.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive information regarding credit card approval & activation status, and the time and date of credit card activation, approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of activation from the Issuer to RateSupermarket.ca. If such confirmation of credit card activation from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

All eligible participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive offers totaling up to 20,000 PC® points from the Issuer as follows:

• Apply online and when you receive your PC Financial Mastercard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial Mastercard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial Mastercard account and may be terminated or changed at any time without notice.

Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pcplus.ca for details.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Once the approved credit card has been activated, notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card has been activated. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card activation confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

RateSupermarket.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify activated credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval or activation of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: June 19, 2017

How do I apply for this promotion and receive my e-gift card and 20,000 PC® points?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online President's Choice Financial® credit card application form. Complete the online credit card application form and submit it to President's Choice Financial® - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info to access your RateSupermarket user profile.

Step 3: Confirm your qualification.

Once you have received approval from President's Choice Financial® for your new credit card account and have activated your new card, log in to your RateSupermarket.ca profile to check the status of your offer. Please note it can take up to 60 days for President's Choice Financial® to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from President's Choice Financial® before your gift card can be sent. This can take up to 8 weeks.

Step 4: Get your gift card!

Once RateSupermarket.ca receives confirmation of your approval and activation from President's Choice Financial®, your e-gift card will be emailed to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

Step 5: Get your 20,000 PC® points!

Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice® products are sold. Some redemption restrictions apply. See pcplus.ca for details.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval and activation from President's Choice Financial® first before sending out your e-gift card, even if you have already received your new credit card.

It can take up to 4 weeks for President's Choice Financial® to confirm this information with RateSupermarket.ca. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

How can I check on the status of my gift card?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All approved customers who apply during the offer period (June 26th, 2017 to July 9th, 2017) that activate the featured credit card will receive a FREE e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply Online' link on RateSupermarket.ca promotional page and apply for, be approved and activate the featured credit card. Applicants must apply within the offer period (June 26th, 2017 to July 9th, 2017) for their application to be eligible for this promotion.

I've been approved! When will I receive my PC points and e-gift card?

Great! Once you have received confirmation of your qualification, follow these steps to obtain your gift card:

• Wait for RateSupermarket.ca to receive confirmation of your status from President's Choice Financial®. Please note this can take up to 4 weeks.
• Once RateSupermarket.ca has confirmation that your credit card has been activated, you will be emailed your e-gift card to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.
• *When you receive your PC Financial Mastercard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial Mastercard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial Mastercard account and may be terminated or changed at any time without notice.

I already have one of these credit cards. Can I still apply and receive a gift card upon activation?

Sorry - this promotion is open only to new President's Choice Financial® credit card applicants who apply online through the Ratesupermarket.ca promotional page.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe before you apply for your credit card in order to be able to claim your e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only online credit card applications placed through the RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, phone number and email address.

Please note that any information you provide in your credit card application is confidential and not accessible by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. The credit card issuer will not provide us with any details about declined applications, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period (June 26th, 2017 to July 9th, 2017), you can still qualify for the offer once the card has been activated.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions – Scotiabank April 5 – June 7 Promo

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Bank of Nova Scotia ("Scotiabank") the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 11:00AM EST on April 5th, 2017 and closes at 10:00AM EST on June 7th, 2017 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a Scotiabank Credit Card account. This Promotion is only open to new Scotiabank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Scotiabank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Updated: June 5th, 2017

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online Scotiabank credit card application form. Complete the credit card application form and submit it to Scotiabank - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from Scotiabank for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for Scotiabank to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from Scotiabank before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from Scotiabank, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Scotiabank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Scotiabank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Scotiabank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (April 5th, 2017 – June 7th, 2017) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (April 5th, 2017 – June 7th, 2017) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from Scotiabank. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new Scotiabank credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (April 5th, 2017 – June 7th, 2017) you can still qualify for the offer.

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

By clicking 'Apply Online' you consent to the disclosure of your account application status by The Bank of Nova Scotia ("Scotiabank") to RateSupermarket.ca for the purposes of reminding you of this offer and of fulfillment and delivery of e-gift cards to you upon approval of your application and activation of your new card.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. President's Choice Financial®, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca and President's Choice Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 10:00AM EST on April 18, 2017, and closes at 11:59PM EST on May 31, 2017 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have any President's Choice Financial® credit card account, or have applied via RateSupermarket.ca for any President's Choice Financial® Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new President's Choice Financial® online credit card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Complete the President's Choice Financial® online credit card application and receive confirmation from the Issuer that the application has been approved and the credit card is activated.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive information regarding credit card approval & activation status, and the time and date of credit card activation, approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of activation from the Issuer to RateSupermarket.ca. If such confirmation of credit card activation from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

All eligible participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive offers totaling up to 20,000 PC® points from the Issuer as follows:

• Apply online and when you receive your PC Financial MasterCard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial MasterCard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard account and may be terminated or changed at any time without notice.

Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Once the approved credit card has been activated, notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card has been activated. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card activation confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

RateSupermarket.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify activated credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval or activation of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: February 28, 2017

How do I apply for this promotion and receive my e-gift card and 20,000 PC® points?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online President's Choice Financial® credit card application form. Complete the online credit card application form and submit it to President's Choice Financial® - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info to access your RateSupermarket user profile.

Step 3: Confirm your qualification.

Once you have received approval from President's Choice Financial® for your new credit card account and have activated your new card, log in to your RateSupermarket.ca profile to check the status of your offer. Please note it can take up to 60 days for President's Choice Financial® to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from President's Choice Financial® before your gift card can be sent. This can take up to 8 weeks.

Step 4: Get your gift card!

Once RateSupermarket.ca receives confirmation of your approval and activation from President's Choice Financial®, your e-gift card will be emailed to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

Step 5: Get your 20,000 PC® points!

Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice® products are sold. Some redemption restrictions apply. See pc.ca for details.
Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval and activation from President's Choice Financial® first before sending out your e-gift card, even if you have already received your new credit card.

It can take up to 4 weeks for President's Choice Financial® to confirm this information with RateSupermarket.ca. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

How can I check on the status of my gift card?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All approved customers who apply during the offer period (April 18, 2017 to May 31, 2017) that activate the featured credit card will receive a FREE e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply Online' link on RateSupermarket.ca promotional page and apply for, be approved and activate the featured credit card. Applicants must apply within the offer period (April 18, 2017 to May 31, 2017) for their application to be eligible for this promotion.

I've been approved! When will I receive my PC points and e-gift card?

Great! Once you have received confirmation of your qualification, follow these steps to obtain your gift card:

● Wait for RateSupermarket.ca to receive confirmation of your status from President's Choice Financial®. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation that your credit card has been activated, you will be emailed your e-gift card to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.
● *When you receive your PC Financial MasterCard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial MasterCard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard account and may be terminated or changed at any time without notice.

I already have one of these credit cards. Can I still apply and receive a gift card upon activation?

Sorry - this promotion is open only to new President's Choice Financial® credit card applicants who apply online through the Ratesupermarket.ca promotional page.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe before you apply for your credit card in order to be able to claim your e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only online credit card applications placed through the RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, phone number and email address.

Please note that any information you provide in your credit card application is confidential and not accessible by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. The credit card issuer will not provide us with any details about declined applications, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period (April 18, 2017 to May 31, 2017), you can still qualify for the offer once the card has been activated.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on October 6th, 2016, and closes at 3:59PM EST on November 30th, 2016 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the MBNA Platinum Plus® MasterCard® or MBNA Rewards® MasterCard® Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (October 6th, 2016 to November 30th, 2016) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (October 6th, 2016 to November 30th, 2016) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus MasterCard® or MBNA Rewards MasterCard® credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (October 6th, 2016 to November 30th, 2016), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. President's Choice Financial®, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca and President's Choice® Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 10:00AM EST on February 2 2017, and closes at 11:59PM EST on April 12 2017 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have any President's Choice Financial® credit card account, or have applied via RateSupermarket.ca for any President's Choice Financial® Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new President's Choice Financial® online credit card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Complete the President's Choice Financial® online credit card application and receive confirmation from the Issuer that the application has been approved and the credit card is activated.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive information regarding credit card approval & activation status, and the time and date of credit card activation, approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of activation from the Issuer to RateSupermarket.ca. If such confirmation of credit card activation from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

All eligible participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive offers totaling up to 20,000 PC® points from the Issuer as follows:

• Apply online and when you receive your PC Financial® MasterCard® credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial® MasterCard® and redeem each coupon or offer to receive 5,000 PC® points with any purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC® points to be awarded. Each offer is limited to one per new PC Financial® MasterCard® account and may be terminated or changed at any time without notice.

Minimum redemption is 20,000 PC® points (worth $20 in free rewards) and in increments of 10,000 PC® points thereafter, at participating grocery stores where President's Choice® products are sold. Some redemption restrictions apply. See pc.ca for details.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Once the approved credit card has been activated, notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card has been activated. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card activation confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

RateSupermarket.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify activated credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval or activation of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: February 28, 2017

How do I apply for this promotion and receive my e-gift card and 20,000 PC® points?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online President's Choice Financial® credit card application form. Complete the online credit card application form and submit it to President's Choice Financial® - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info to access your RateSupermarket user profile.

Step 3: Confirm your qualification.

Once you have received approval from President's Choice Financial® for your new credit card account and have activated your new card, log in to your RateSupermarket.ca profile to check the status of your offer. Please note it can take up to 60 days for President's Choice Financial® to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from President's Choice Financial® before your gift card can be sent. This can take up to 8 weeks.

Step 4: Get your gift card!

Once RateSupermarket.ca receives confirmation of your approval and activation from President's Choice Financial®, your e-gift card will be emailed to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

Step 5: Get your 20,000 PC® points!

Minimum redemption is 20,000 PC® points (worth $20 in free rewards) and in increments of 10,000 PC® points thereafter, at participating grocery stores where President's Choice® products are sold. Some redemption restrictions apply. See pc.ca for details.
Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval and activation from President's Choice Financial® first before sending out your e-gift card, even if you have already received your new credit card.

It can take up to 4 weeks for President's Choice Financial® to confirm this information with RateSupermarket.ca. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

How can I check on the status of my gift card?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All approved customers who apply during the offer period (February 2, 2017 – April 12, 2017) that activate the featured credit card will receive a FREE e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply Online' link on RateSupermarket.ca promotional page and apply for, be approved and activate the featured credit card. Applicants must apply within the offer period (February 2, 2017 – April 12, 2017) for their application to be eligible for this promotion.

I've been approved! When will I receive my PC® points and e-gift card?

Great! Once you have received confirmation of your qualification, follow these steps to obtain your gift card:

● Wait for RateSupermarket.ca to receive confirmation of your status from President's Choice Financial®. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation that your credit card has been activated, you will be emailed your e-gift card to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.
● *When you receive your PC Financial® MasterCard® credit card, you will also receive four welcome coupons or offers each worth 5,000 PC® points. Use your PC Financial® MasterCard® and redeem each coupon or offer to receive 5,000 PC® points with any purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC® points to be awarded. Each offer is limited to one per new PC Financial® MasterCard® account and may be terminated or changed at any time without notice.

I already have one of these credit cards. Can I still apply and receive a gift card upon activation?

Sorry - this promotion is open only to new President's Choice Financial® credit card applicants who apply online through the Ratesupermarket.ca promotional page.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe before you apply for your credit card in order to be able to claim your e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only online credit card applications placed through the RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, phone number and email address.

Please note that any information you provide in your credit card application is confidential and not accessible by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. The credit card issuer will not provide us with any details about declined applications, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period (February 2, 2017 – April 12, 2017), you can still qualify for the offer once the card has been activated.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. President's Choice Financial®, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca and President's Choice Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on January 6, 2017 and closes at 11:59PM EST on February 3, 2017 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have any President's Choice Financial® credit card account, or have applied via RateSupermarket.ca for any President's Choice Financial® Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new President's Choice Financial® online credit card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Complete the President's Choice Financial® online credit card application and receive confirmation from the Issuer that the application has been approved and the credit card is activated.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive information regarding credit card approval & activation status, and the time and date of credit card activation, approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of activation from the Issuer to RateSupermarket.ca. If such confirmation of credit card activation from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

All eligible participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive offers totaling up to 20,000 PC® points from the Issuer as follows:

• Apply online and when you receive your PC Financial MasterCard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial MasterCard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard account and may be terminated or changed at any time without notice

Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Once the approved credit card has been activated, notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card has been activated. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card activation confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca's decision is final and no correspondence with the Participant will be entered into.

RateSupermarket.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify activated credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval or activation of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: January 31, 2016 - promo offer extended to February 3, 2016

How do I apply for this promotion and receive my e-gift card and 20,000 PC® points?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online President's Choice Financial® credit card application form. Complete the online credit card application form and submit it to President's Choice Financial® - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info to access your RateSupermarket user profile.

Step 3: Confirm your qualification.
Once you have received approval from President's Choice Financial® for your new credit card account and have activated your new card, log in to your RateSupermarket.ca profile to check the status of your offer. Please note it can take up to 60 days for President's Choice Financial® to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from President's Choice Financial® before your gift card can be sent. This can take up to 8 weeks.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval and activation from President's Choice Financial®, your e-gift card will be emailed to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

Step 5: Get your 20,000 PC® points!
Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice® products are sold. Some redemption restrictions apply. See pc.ca for details.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval and activation from President's Choice Financial® first before sending out your e-gift card, even if you have already received your new credit card.

It can take up to 4 weeks for President's Choice Financial® to confirm this information with RateSupermarket.ca. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

How can I check on the status of my gift card?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All approved and activated customers who apply during the offer period (January 6 to February 3, 2017) that activate the featured credit card will receive a FREE e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply Online' link on RateSupermarket.ca promotional page and apply for, be approved and activate the featured credit card. Applicants must apply within the offer period (January 6 to February 3, 2017) for their application to be eligible for this promotion.

I've been approved! When will I receive my PC points and e-gift card?

Great! Once you have received confirmation of your qualification, follow these steps to obtain your gift card:

● Wait for RateSupermarket.ca to receive confirmation of your status from President's Choice Financial®. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation that your credit card has been activated, you will be emailed your e-gift card to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.
● When you receive your PC Financial MasterCard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial MasterCard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice products are sold. See coupons for full details. Coupons or offers have no cash value. For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard account and may be terminated or changed at any time without notice.

I already have one of these credit cards. Can I still apply and receive a gift card upon activation?

Sorry - this promotion is open only to new President's Choice Financial® credit card applicants who apply online through the Ratesupermarket.ca promotional page.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe before you apply for your credit card in order to be able to claim your e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only online credit card applications placed through the RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, phone number and email address.

Please note that any information you provide in your credit card application is confidential and not accessible by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. The credit card issuer will not provide us with any details about declined applications, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period (January 6 to February 3, 2017), you can still qualify for the offer once the card has been activated.

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on January 3rd, 2017, and closes at 3:59PM EST on January 27th, 2017 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.

• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.

• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.

• Complete the MBNA Rewards® MasterCard® Credit Card application and receive confirmation from the Issuer that the application has been approved.

• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.

• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (January 3, 2017 to January 27, 2017) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (January 3, 2017 to January 27, 2017) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Rewards MasterCard® credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (January 3, 2017 to January 27, 2017), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. Scotiabank, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 11:59AM EST on November 1, 2016 and closes at 3:59PM EST on December 31, 2016 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a Scotiabank Credit Card account. This Promotion is only open to new Scotiabank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Scotiabank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online Scotiabank credit card application form. Complete the credit card application form and submit it to Scotiabank - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from Scotiabank for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for Scotiabank to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from Scotiabank before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from Scotiabank, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Scotiabank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Scotiabank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Scotiabank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (November 1st, 2016 – December 31st, 2016) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (November 1st, 2016 – December 31st, 2016) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from Scotiabank. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new Scotiabank credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (November 1st, 2016 – December 31st, 2016) you can still qualify for the offer.

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. President's Choice Financial®, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca and President's Choice Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 3:30PM EST on November 7, 2016, and closes at 3:59PM EST on December 31, 2016 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have any President's Choice Financial® credit card account, or have applied via RateSupermarket.ca for any President's Choice Financial® Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new President's Choice Financial® online credit card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Complete the President's Choice Financial® online credit card application and receive confirmation from the Issuer that the application has been approved and the credit card is activated.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive information regarding credit card approval & activation status, and the time and date of credit card activation, approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of activation from the Issuer to RateSupermarket.ca. If such confirmation of credit card activation from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

All eligible participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive offers totaling up to 20,000 PC® points from the Issuer as follows:

Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Once the approved credit card has been activated, notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card has been activated. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card activation confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca's decision is final and no correspondence with the Participant will be entered into.

RateSupermarket.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify activated credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval or activation of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: December 1, 2016

How do I apply for this promotion and receive my e-gift card and 20,000 PC® points?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online President's Choice Financial® credit card application form. Complete the online credit card application form and submit it to President's Choice Financial® - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info to access your RateSupermarket user profile.

Step 3: Confirm your qualification.
Once you have received approval from President's Choice Financial® for your new credit card account and have activated your new card, log in to your RateSupermarket.ca profile to check the status of your offer. Please note it can take up to 60 days for President's Choice Financial® to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from President's Choice Financial® before your gift card can be sent. This can take up to 8 weeks.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval and activation from President's Choice Financial®, your e-gift card will be emailed to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

Step 5: Get your 20,000 PC® points!
When you receive your PC Financial MasterCard credit card, you will also receive a welcome offer worth up to 20,000 PC points that may vary based the home address that you provide at the time of application and when your card is mailed to you.
For cards mailed between September 15 and October 31, 2016, your offer terms will be as follows:
For residents of Medicine Hat, AB, your welcome offer will require you to spend a total of $500 on your PC Financial MasterCard anywhere you shop from the date you receive your card until November 30, 2016, in order to receive 20,000 PC points.
For residents of Lethbridge, AB, your welcome offer will require that you make 5 purchases with your PC Financial MasterCard at participating grocery stores where President's Choice products are sold by November 30, 2016 in order to receive 20,000 PC points.
For residents of Red Deer, AB, your welcome offer will require that you make 4 purchases with your PC Financial MasterCard at any combination of: participating grocery stores where President's Choice products are sold, Shoppers Drug Mart, Esso locations or at pctravel.ca by November 30, 2016, in order to receive 20,000 PC points.
For residents of Prince George, BC, your welcome offer will require that you make 4 purchases of $50 or more with your PC Financial MasterCard at participating grocery stores where President's Choice products are sold by November 30, 2016, and you will be awarded 5000 PC points for each qualifying purchase for a total of 20,000 PC points.
For all other cities, and all cards mailed prior to September 15, 2016 and after October 31, 2016, you will receive four welcome coupons each worth 5,000 PC points. Use your PC Financial MasterCard and redeem each coupon with any purchase at the checkout in participating grocery stores where President's Choice products are sold to receive 5,000 PC points. See coupons for full details. Coupons have no cash value.
For all offers, see your card carrier for full details and allow 2-3 weeks from qualifying purchase(s) for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard account and offers may be terminated or changed at any time without notice.
Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval and activation from President's Choice Financial® first before sending out your e-gift card, even if you have already received your new credit card.

It can take up to 4 weeks for President's Choice Financial® to confirm this information with RateSupermarket.ca. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

How can I check on the status of my gift card?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All approved and activated customers who apply during the offer period (November 7 to December 31, 2016) that activate the featured credit card will receive a FREE e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply Online' link on RateSupermarket.ca promotional page and apply for, be approved and activate the featured credit card. Applicants must apply within the offer period (November 7 to December 31, 2016) for their application to be eligible for this promotion.

I've been approved! When will I receive my PC points and e-gift card?

Great! Once you have received confirmation of your qualification, follow these steps to obtain your gift card:

● Wait for RateSupermarket.ca to receive confirmation of your status from President's Choice Financial®. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation that your credit card has been activated, you will be emailed your e-gift card to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.
*When you receive your PC Financial MasterCard credit card, you will also receive a welcome offer worth up to 20,000 PC points that may vary based the home address that you provide at the time of application and when your card is mailed to you.
For cards mailed between September 15 and October 31, 2016, your offer terms will be as follows:
For residents of Medicine Hat, AB, your welcome offer will require you to spend a total of $500 on your PC Financial MasterCard anywhere you shop from the date you receive your card until November 30, 2016, in order to receive 20,000 PC points.
For residents of Lethbridge, AB, your welcome offer will require that you make 5 purchases with your PC Financial MasterCard at participating grocery stores where President's Choice products are sold by November 30, 2016 in order to receive 20,000 PC points.
For residents of Red Deer, AB, your welcome offer will require that you make 4 purchases with your PC Financial MasterCard at any combination of: participating grocery stores where President's Choice products are sold, Shoppers Drug Mart, Esso locations or at pctravel.ca by November 30, 2016, in order to receive 20,000 PC points.
For residents of Prince George, BC, your welcome offer will require that you make 4 purchases of $50 or more with your PC Financial MasterCard at participating grocery stores where President's Choice products are sold by November 30, 2016, and you will be awarded 5000 PC points for each qualifying purchase for a total of 20,000 PC points.
For all other cities, and all cards mailed prior to September 15, 2016 and after October 31, 2016, you will receive four welcome coupons each worth 5,000 PC points. Use your PC Financial MasterCard and redeem each coupon with any purchase at the checkout in participating grocery stores where President's Choice products are sold to receive 5,000 PC points. See coupons for full details. Coupons have no cash value.
For all offers, see your card carrier for full details and allow 2-3 weeks from qualifying purchase(s) for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard account and offers may be terminated or changed at any time without notice.

I already have one of these credit cards. Can I still apply and receive a gift card upon activation?

Sorry - this promotion is open only to new President's Choice Financial® credit card applicants who apply online through the Ratesupermarket.ca promotional page.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe before you apply for your credit card in order to be able to claim your e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only online credit card applications placed through the RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, and email address.

Please note that any information you provide in your credit card application is confidential and not accessible by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. The credit card issuer will not provide us with any details about declined applications, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period (November 7 to December 31, 2016), you can still qualify for the offer once the card has been activated.

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. Tangerine Bank. the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 10:00AM EST on November 25th, 2016 and closes at 3:59PM EST on December 2nd, 2016 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have any Tangerine Bank Credit Card account, or have applied via RateSupermarket.ca for any Tangerine Bank Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new Tangerine Bank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Tangerine Bank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into. Ratesupermarket.ca reserves the right, at any time, to cancel, modify or suspend the Promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.
Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: November 21st, 2016

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!

Once you're done, hit the Apply Online button to be transferred to the secure online Tangerine Bank credit card application form. Complete the credit card application form and submit it to Tangerine Bank - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.

You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.

Once you have received approval from Tangerine Bank for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for Tangerine Bank to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from Tangerine Bank before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!

Once RateSupermarket.ca receives confirmation of your approval from Tangerine Bank, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Tangerine Bank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Tangerine Bank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Tangerine Bank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (November 25 to December 2, 2016) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.
How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (November 25 to December 2, 2016) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from Tangerine Bank. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new Tangerine Bank Money-Back Credit Card cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?
It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.
Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (November 25 to December 2, 2016), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly atcustomercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. Toronto-Dominion Bank, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 10:00AM EST on September 14, 2016, and closes at 3:59PM EST on December 2, 2016 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have any Toronto-Dominion Bank Credit Card account, or have applied via RateSupermarket.ca for any Toronto-Dominion Bank Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new Toronto-Dominion Bank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Toronto-Dominion Bank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

RateSupermarket.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: September 13, 2016

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Learn More button to be transferred to the Toronto-Dominion Bank credit card offer landing page, where you can click 'Apply Now' to be redirected to the application form. Complete the credit card application form and submit it to Toronto-Dominion Bank - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from Toronto-Dominion Bank for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for Toronto-Dominion Bank to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from Toronto-Dominion Bank before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from Toronto-Dominion Bank, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Toronto-Dominion Bank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Toronto-Dominion Bank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Toronto-Dominion Bank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (September 14, 2016 to December 2, 2016) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (September 14, 2016 to December 2, 2016) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from Toronto-Dominion Bank. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new TD® Aeroplan® Visa Infinite* Card credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (September 14, 2016 to December 2, 2016), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 12:00PM EST on October 6th, 2016, and closes at 3:59PM EST on November 30th, 2016 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the MBNA Platinum Plus® MasterCard® or MBNA Rewards® MasterCard® Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (October 6th, 2016 to November 30th, 2016) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (October 6th, 2016 to November 30th, 2016) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus MasterCard® or MBNA Rewards MasterCard® credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (October 6th, 2016 to November 30th, 2016), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. Tangerine Bank. the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 10:00AM EST on September 1st, 2016 and closes at 3:59PM EST on October 31st, 2016 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have any Tangerine Bank Credit Card account, or have applied via RateSupermarket.ca for any Tangerine Bank Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new Tangerine Bank Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the Tangerine Bank Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive any account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into. Ratesupermarket.ca reserves the right, at any time, to cancel, modify or suspend the Promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: August 10th, 2016

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online Tangerine Bank credit card application form. Complete the credit card application form and submit it to Tangerine Bank - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from Tangerine Bank for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for Tangerine Bank to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from Tangerine Bank before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from Tangerine Bank, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Tangerine Bank first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Tangerine Bank to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Tangerine Bank directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (September 1st, 2016 to October 31st, 2016) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (September 1st, 2016 to October 31st, 2016) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from Tangerine Bank. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new Tangerine Bank Money-Back Credit Card cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (September 1st, 2016 to October 31st, 2016), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. President's Choice Financial®, the credit card issuer ("Issuer"), is not responsible or liable for any aspect of this Promotion.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca and President's Choice Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion are part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 2:59PM EST on September 9, 2016 , and closes at 3:59PM EST on October 31, 2016 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have any President's Choice Financial® credit card account, or have applied via RateSupermarket.ca for any President's Choice Financial® Credit Card account within twelve (12) months prior to the commencement date of this Promotion. This Promotion is only open to new President's Choice Financial® online credit card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Complete the President's Choice Financial® online credit card application and receive confirmation from the Issuer that the application has been approved and the credit card is activated.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Authorize RateSupermarket.ca to receive information regarding credit card approval & activation status, and the time and date of credit card activation, approval or decline.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of activation from the Issuer to RateSupermarket.ca. If such confirmation of credit card activation from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

All eligible participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive offers totaling up to 20,000 PC® points from the Issuer as follows:

• Apply online and when you receive your PC Financial MasterCard credit card, you will also receive a welcome offer worth up to 20,000 PC points that may vary based the home address that you provide at the time of application and when your card is mailed to you.
• For cards mailed between September 15 and October 31, 2016, your offer terms will be as follows:
• For residents of Medicine Hat, AB, your welcome offer will require you to spend a total of $500 on your PC Financial MasterCard anywhere you shop from the date you receive your card until November 30, 2016, in order to receive 20,000 PC points.
• For residents of Lethbridge, AB, your welcome offer will require that you make 5 purchases with your PC Financial MasterCard at participating grocery stores where President's Choice products are sold by November 30, 2016 in order to receive 20,000 PC points.
• For residents of Red Deer, AB, your welcome offer will require that you make 4 purchases with your PC Financial MasterCard at any combination of: participating grocery stores where President's Choice products are sold, Shoppers Drug Mart, Esso locations or at pctravel.ca by November 30, 2016, in order to receive 20,000 PC points.
• For residents of Prince George, BC, your welcome offer will require that you make 4 purchases of $50 or more with your PC Financial MasterCard at participating grocery stores where President's Choice products are sold by November 30, 2016, and you will be awarded 5000 PC points for each qualifying purchase for a total of 20,000 PC points.
• For all other cities, and all cards mailed prior to September 15, 2016 and after October 31, 2016, you will receive four welcome coupons each worth 5,000 PC points. Use your PC Financial MasterCard and redeem each coupon with any purchase at the checkout in participating grocery stores where President's Choice products are sold to receive 5,000 PC points. See coupons for full details. Coupons have no cash value.
• For all offers, see your card carrier for full details and allow 2-3 weeks from qualifying purchase(s) for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard account and offers may be terminated or changed at any time without notice.

Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Once the approved credit card has been activated, notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Eligible gift cards will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card has been activated. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card activation confirmation from the Issuer to RateSupermarket.ca.

The Promotion will still be distributed to Participants who have successfully qualified up to sixty (60) days after the end of the Offer Period.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

RateSupermarket.ca reserves the right, at any time, to cancel, modify or suspend this promotion.

Participants consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify activated credit card applications. RateSupermarket.ca will not have access to any personal details, beyond those details required to fulfill the Promotion, provided for in the credit card application. RateSupermarket.ca is not responsible in any way for the approval or activation of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

Last updated: September 9, 2016

How do I apply for this promotion and receive my e-gift card and 20,000 PC® points?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online President's Choice Financial® credit card application form. Complete the online credit card application form and submit it to President's Choice Financial® - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info to access your RateSupermarket user profile.

Step 3: Confirm your qualification.
Once you have received approval from President's Choice Financial® for your new credit card account and have activated your new card , log in to your RateSupermarket.ca profile to check the status of your offer. Please note it can take up to 60 days for President's Choice Financial® to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from President's Choice Financial® before your gift card can be sent. This can take up to 8 weeks .

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval and activation from President's Choice Financial®, your e-gift card will be emailed to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

Step 5: Get your 20,000 PC® points!
When you receive your PC Financial MasterCard credit card, you will also receive a welcome offer worth up to 20,000 PC points that may vary based the home address that you provide at the time of application and when your card is mailed to you.
For cards mailed between September 15 and October 31, 2016, your offer terms will be as follows:
For residents of Medicine Hat, AB, your welcome offer will require you to spend a total of $500 on your PC Financial MasterCard anywhere you shop from the date you receive your card until November 30, 2016, in order to receive 20,000 PC points.
For residents of Lethbridge, AB, your welcome offer will require that you make 5 purchases with your PC Financial MasterCard at participating grocery stores where President's Choice products are sold by November 30, 2016 in order to receive 20,000 PC points.
For residents of Red Deer, AB, your welcome offer will require that you make 4 purchases with your PC Financial MasterCard at any combination of: participating grocery stores where President's Choice products are sold, Shoppers Drug Mart, Esso locations or at pctravel.ca by November 30, 2016, in order to receive 20,000 PC points.
For residents of Prince George, BC, your welcome offer will require that you make 4 purchases of $50 or more with your PC Financial MasterCard at participating grocery stores where President's Choice products are sold by November 30, 2016, and you will be awarded 5000 PC points for each qualifying purchase for a total of 20,000 PC points.
For all other cities, and all cards mailed prior to September 15, 2016 and after October 31, 2016, you will receive four welcome coupons each worth 5,000 PC points. Use your PC Financial MasterCard and redeem each coupon with any purchase at the checkout in participating grocery stores where President's Choice products are sold to receive 5,000 PC points. See coupons for full details. Coupons have no cash value.
For all offers, see your card carrier for full details and allow 2-3 weeks from qualifying purchase(s) for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard account and offers may be terminated or changed at any time without notice.
Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval and activation from President's Choice Financial® first before sending out your e-gift card, even if you have already received your new credit card.

It can take up to 4 weeks for President's Choice Financial® to confirm this information with RateSupermarket.ca. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided to RateSupermarket.ca. Please allow up to 8 weeks for processing.

How can I check on the status of my gift card?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All approved and activated customers who apply during the offer period (September 9, 2016 to October 21, 2016) that activate the featured credit card will receive a FREE e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply Online' link on RateSupermarket.ca promotional page and apply for, be approved and activate the featured credit card . Applicants must apply within the offer period (September 9, 2016 to October 31, 2016) for their application to be eligible for this promotion.

I've been approved! When will I receive my PC points and e-gift card?

Great! Once you have received confirmation of your qualification, follow these steps to obtain your gift card:

● Wait for RateSupermarket.ca to receive confirmation of your status from President's Choice Financial®. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation that your credit card has been activated, you will be emailed your e-gift card to the email address you provided to RateSupermarket.ca. Please allow up to 8 weeks for processing .
*When you receive your PC Financial MasterCard credit card, you will also receive a welcome offer worth up to 20,000 PC points that may vary based the home address that you provide at the time of application and when your card is mailed to you.
For cards mailed between September 15 and October 31, 2016, your offer terms will be as follows:
For residents of Medicine Hat, AB, your welcome offer will require you to spend a total of $500 on your PC Financial MasterCard anywhere you shop from the date you receive your card until November 30, 2016, in order to receive 20,000 PC points.
For residents of Lethbridge, AB, your welcome offer will require that you make 5 purchases with your PC Financial MasterCard at participating grocery stores where President's Choice products are sold by November 30, 2016 in order to receive 20,000 PC points.
For residents of Red Deer, AB, your welcome offer will require that you make 4 purchases with your PC Financial MasterCard at any combination of: participating grocery stores where President's Choice products are sold, Shoppers Drug Mart, Esso locations or at pctravel.ca by November 30, 2016, in order to receive 20,000 PC points.
For residents of Prince George, BC, your welcome offer will require that you make 4 purchases of $50 or more with your PC Financial MasterCard at participating grocery stores where President's Choice products are sold by November 30, 2016, and you will be awarded 5000 PC points for each qualifying purchase for a total of 20,000 PC points.
For all other cities, and all cards mailed prior to September 15, 2016 and after October 31, 2016, you will receive four welcome coupons each worth 5,000 PC points. Use your PC Financial MasterCard and redeem each coupon with any purchase at the checkout in participating grocery stores where President's Choice products are sold to receive 5,000 PC points. See coupons for full details. Coupons have no cash value.
For all offers, see your card carrier for full details and allow 2-3 weeks from qualifying purchase(s) for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard account and offers may be terminated or changed at any time without notice.

I already have one of these credit cards. Can I still apply and receive a gift card upon activation?

Sorry - this promotion is open only to new President's Choice Financial® credit card applicants who apply online through the Ratesupermarket.ca promotional page.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe before you apply for your credit card in order to be able to claim your e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only online credit card applications placed through the RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, and email address .

Please note that any information you provide in your credit card application is confidential and not accessible by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. The credit card issuer will not provide us with any details about declined applications, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period (September 9, 2016 to October 31, 2016), you can still qualify for the offer once the card has been activated .

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Terms and Conditions

These Terms and Conditions ("Terms") are applied to this RateSupermarket.ca gift cards/certificates promotional offer ("Promotion"). This Promotion is only available through RateSupermarket.ca and is only valid online through the RateSupermarket.ca website. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is the issuer of this credit card(s) ("Issuer"), and is not responsible or liable for any aspect of this Promotion. MBNA is a division of The Toronto-Dominion Bank.

The listed gift card merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this Promotion. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners.

Information on how to apply for the Promotion is part of these Terms.

Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms.

This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

This Promotion commences at 2:00PM EST on June 20th, 2016, and closes at 3:59PM EST on August 31st, 2016 ("Offer Period").

In order to qualify for the Promotion, Participants must:

• Not already have a MBNA Credit Card account. This Promotion is only open to new MBNA Credit Card applicants.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Provide Participant contact information to RateSupermarket.ca via the RateSupermarket.ca website.
• Complete the MBNA Platinum Plus® MasterCard® or MBNA Rewards® MasterCard® Credit Card application and receive confirmation from the Issuer that the application has been approved.
• Provide Participant contact details, including name, phone number, and email address to RateSupermarket.ca, which must match the details used to apply for the credit card(s) exactly. If any details are inconsistent or do not match, then the Promotion is invalid.
• Consent to RateSupermarket.ca using the Participant's name, email address, phone number and mailing address to verify approved credit card applications and. authorize RateSupermarket.ca to receive account information from the Issuer including, but not limited to, information regarding credit card approval status, and the time and date of credit card approval or decline. RateSupermarket.ca will not have access to any personal information beyond the information required to fulfill the Promotion. RateSupermarket.ca is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca' s Privacy Policy, which also governs this Promotion.

Each Participant in this Promotion is only eligible to receive one (1) gift card per Issuer for the duration of the Promotion and the Offer Period. Gift cards will only be fulfilled following confirmation of approval from the Issuer to RateSupermarket.ca. If such confirmation of credit card application approval from the Issuer is not received by RateSupermarket.ca, this Promotion is invalid.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Promotion will come from RateSupermarket.ca by email.

Gift cards in connection with this Offer will only be sent to qualified Participants via email and all other delivery methods will not be offered by RateSupermarket.ca. Gift cards will be emailed to qualified Participants to the email address the Participant provides. Neither RateSupermarket.ca nor the Issuer are responsible for email address inaccuracies provided by the Participant. RateSupermarket.ca will distribute the Promotion to Participants who have successfully qualified following confirmation from the Issuer that the credit card application has been approved. Please allow up to eight (8) weeks for gift card fulfillment processing after credit card approval confirmation from the Issuer to RateSupermarket.ca.

RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca' s decision is final and no correspondence with the Participant will be entered into.

Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

Any issues with gift card fulfillment must be brought to the attention of RateSupermarket.ca within three (3) months of the application date.

All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca, the Issuer or their respective content suppliers and protected by Canadian copyright laws.

The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

The Promotion is void where prohibited.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this promotion?

All customers who apply during the offer period (June 20th, 2016 to August 19thth, 2016) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and be approved for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (June 20th, 2016 to August 31st, 2016) for their application to be eligible for this promotion.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus MasterCard® or MBNA Rewards MasterCard® credit cardholders.

Is this promotion open to everyone?

This promotion is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the credit card issuer to approve your credit card application. If you have any questions regarding the status of your application, please contact the credit card issuer directly.

Can I sign up for this promotion over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The credit card issuer will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the credit card issuer directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (June 20th, 2016 to August 19th, 2016), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Vendor Disclaimer:

The listed merchants are in no way affiliated with RateSupermarket.ca and President's Choice Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this program. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners. Terms and conditions are applied to e-gift cards. Please see the merchant e-gift card for additional terms and conditions, which are subject to change at merchant's sole discretion. President's Choice Bank is not responsible or liable for any aspect of this offer.

Terms & Conditions

1) Information on how to apply for the RateSupermarket.ca and President's Choice Financial offer (the "Promotion") are part of these Terms & Conditions.

2) Any individual who participates in this Promotion is a "Participant" and such participation is deemed acceptance of these Terms & Conditions.

3) This Promotion is not valid in conjunction with any other promotions or offers, which RateSupermarket.ca may offer from time to time.

4) Offer commences at 10:00AM EST on June 1st, 2016 and closes at 3:59PM EST on July 29th, 2016 ("Offer Period").

5) In order to qualify for the Offer Participants must:

• Not already have any President's Choice Financial® MasterCard® credit card account. This promotion is only open to new President's Choice Financial® MasterCard® or President's Choice Financial® World Elite MasterCard® credit card online applicants.
• Provide your contact information to RateSupermarket.ca.
• Click on the specified link, which may change from time to time without prior notice from RateSupermarket.ca, on the RateSupermarket.ca website to apply for the featured credit card(s). Applications must originate from the specified link on the RateSupermarket.ca website. Applications placed over the phone, through online chat, or any other method will not be valid.
• Complete the President's Choice Financial® MasterCard® and President's Choice Financial® World Elite MasterCard® Credit Card online application and receive confirmation from the President's Choice Bank (the "Issuer") that the application has been approved.

6) All eligible participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive offers totalling 50,000 PC® points from the Issuer as follows:

• Apply online and when you receive your PC Financial MasterCard credit card or PC Financial World Elite MasterCard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial MasterCard or PC Financial World Elite MasterCard and redeem each coupon or offer to receive 5,000 PC points with a purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value.
• In addition, if you apply online through RateSupermarket.ca by July 29th, 2016, receive a bonus 30,000 PC points which will be awarded to your account after your first purchase of $50.00 or more before tax at participating grocery stores where President's Choice products are sold, within 4 months of account approval.
• For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard or PC Financial World Elite MasterCard account and may be terminated or changed at any time without notice.
• Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

Completed credit card application approvals can take up to sixty (60) business days to be processed by the Issuer. Approved credit card applicants will be notified by the Issuer. Notification that the Participant has successfully qualified for the Offer will come from RateSupermarket.ca by email.

7) RateSupermarket.ca reserves the right, at its sole discretion, to disqualify any individual or Participant who tampers, or attempts to tamper, with the operation of the Promotion, or violates the Promotion Terms & Conditions, or for any other reason deemed suspicious by RateSupermarket.ca. RateSupermarket.ca's decision is final and no correspondence with the Participant will be entered into.

8) RateSupermarket.ca will not have access to any personal details provided for the credit card application and is not responsible in any way for the approval of credit card applications. Please review RateSupermarket.ca's Privacy Policy, which also governs this Promotion.

9) Neither RateSupermarket.ca nor the Issuer are responsible for lost, late, misdirected or otherwise undeliverable mail or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by RateSupermarket.ca, Participants, or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a Participant's ability to participate in the Promotion.

10) All content included within the Promotion, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of RateSupermarket.ca or its content suppliers and protected by Canadian copyright laws.

11) The Promotion is non-transferable and there is no cash alternative. The Promotion is only open to Canadian residents who are age of majority in their province/territory of residence.

12) The Promotion is void where prohibited.

How do I apply for this promotion and receive my 50,000 PC® points?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online President's Choice Financial® MasterCard® credit card application form. Complete the online credit card application form and submit it to Presidents Choice Financial® - your application is finished.

Step 2: Get your 50,000 PC® points!
Apply online and when you receive your PC Financial® MasterCard® credit card or PC Financial® World Elite MasterCard® credit card, you will also receive four welcome coupons or offers each worth 5,000 PC® points. Use your PC Financial MasterCard or PC Financial World Elite MasterCard and redeem each coupon or offer to receive 5,000 PC points with a purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value.
In addition, if you apply online through RateSupermarket.ca by July 29th, 2016 receive a bonus 30,000 PC points which will be awarded to your account after your first purchase of $50.00 or more before tax at participating grocery stores where President's Choice products are sold, within 4 months of account approval.
For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard or PC Financial World Elite MasterCard account and may be terminated or changed at any time without notice.
Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

How can I check on the status of my credit card application?

In order to check the status of your application you will need to contact President's Choice Financial® directly, as RateSupermarket.ca does not have access to any of your credit card application information.

What is this giveaway?

All customers who apply for this offer through RateSupermarket.ca during the offer period June 1st, 2016 to July 29th, 2016 and are approved for the featured credit card(s) will receive offers totalling 50,000 PC® points from President's Choice Financial®.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply online' link on the RateSupermarket.ca promotional page and apply for and qualify for the featured credit card(s) through the RateSupermarket.ca promotional page. Applicants must apply within the offer period June 1st, 2016 to July 29th, 2016 for their application to be valid.

I've been approved! When will I receive my PC® points?

Apply online and when you receive your PC Financial MasterCard credit card or PC Financial World Elite MasterCard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial MasterCard or PC Financial World Elite MasterCard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice products are sold. See coupons or offers for full details. Coupons or offers have no cash value.
In addition, if you apply online through RateSupermarket.ca by July 29th, 2016 receive a bonus 30,000 PC points which will be awarded to your account after your first purchase of $50.00 or more before tax at participating grocery stores where President's Choice products are sold, within 4 months of account approval.
For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard or PC Financial World Elite MasterCard account and may be terminated or changed at any time without notice.
Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

I already have one of these credit cards. Can I still apply and receive 50,000 PC points upon approval?

Sorry - this promotion is open only to new online President's Choice Financial® MasterCard® credit card applicants.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the lender to approve your credit card application. If you have any questions regarding the status of your application, please contact the lender directly.

Can I sign up for this offer over the phone or through my bank?

Sorry - only online credit card applications placed through the RateSupermarket.ca special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for this offer.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, phone number and email address. Please note that any information you provide in your credit card application is confidential and not accessible by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. The lender will not provide us with any details about declined applications, so that type of information will stay private. If you want to know why your application has been declined please contact the lender directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for the 50,000 PC® points?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period June 1st, 2016 to July 29th, 2016, you can still qualify for the offer. Qualification for this offer is based on application dates, not approval dates.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Vendor Disclaimer:
The listed merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this program. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners. Terms and conditions are applied to gift cards/certificates. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is not responsible or liable for any aspect of this offer.

1) Information on how to apply for the Offer are part of these Terms and Conditions.

2) Participation in this Offer is deemed acceptance of these Terms and Conditions.

3) Offer is not valid in conjunction with any other promotion.

4) Offer commences at 10:00AM EST on April 1st, 2016, and closes at 3:59PM EST on May 31st 2016 ("Offer Period").

5) In order to qualify for the Offer participants must:

• Not already have a Tangerine Money-Back Credit Card account. This promotion is only open to Tangerine Money-Back Credit Card applicants.
• Provide your contact information to RateSupermarket.ca.
• Click on the appropriate link on the RateSupermarket.ca ("The Promoter") website to apply for the featured credit card(s). Applications placed over the phone OR through online chat will not be valid.
• Complete the Tangerine Money-Back Credit Card application and receive confirmation from the lender that the application has been approved.
• Participant details provided to The Promoter for the e-gift card offer must match the details used to apply for the credit card(s). If any details are inconsistent or do not match, then the offer is invalid.

6) All participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive a free e-gift card via email from RateSupermarket.ca.

7) The Offer is one (1) e-gift card per approved credit card. Individuals are only eligible to receive one (1) credit card for the duration of the promotion and one (1) gift card. E-Gift cards will only be fulfilled following confirmation of approval from the lender.

8) E-Gift cards will be emailed to qualified participants to the email address the participant provides. Neither the Promoter nor the credit card issuer/lender are responsible for email address inaccuracies provided by the participant.

9) The Offer is non-transferable and there is no cash alternative.

10) Offer is only open to Canadian residents who are age of majority in their province/territory of residence.

11) Approved credit card applicants will be notified by the lender. Notification that the participant has successfully qualified for the Offer will come from The Promoter by email.

12) The Promoter's decision is final and no correspondence will be entered into.

13) The Promoter will not have access to any personal details provided for the credit card application and is not responsible in any way for the approval of credit card applications.

14) Participants consent to the Promoter using the participant's name, email address and mailing address to verify approved credit card applications.

15) Please review The Promoter's Privacy Policy, which also governs this promotion.

16) Completed credit card applications can take up to 60 days to be processed by the lender.

17) The Offer will still be distributed to participants who have successfully qualified up to 60 days after the end of the Offer Period.

18) The Promoter will distribute the Offer to participants who have successfully qualified following confirmation from Tangerine that the credit card application has been approved. Please allow up to 4 weeks for processing.

19) Neither the Promoter nor the credit card issuer/lender are responsible for lost, late, misdirected or otherwise undeliverable mail, or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by the Promoter, participants or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a participant's ability to participate in the promotion.

20) All content included within the Offer, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of The Promoter or its content suppliers and protected by Canadian copyright laws.

21) The Promoter reserves the right at their sole discretion to disqualify any individual that tampers or attempts to tamper with the operation of the promotion or violates the promotion rules or terms and conditions.

22) The Offer is void where prohibited.

23) Any issues with e-gift card fulfillment must be brought to the attention of the Promoter within 3 months of the application date.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online Tangerine credit card application form. Complete the credit card application form and submit it to Tangerine - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info to access your RateSupermarket.ca user profile.

Step 3: Confirm your qualification.
Once you have received approval from Tangerine for your new credit card account, log in to your RateSupermarket.ca profile to check the status of your offer. Please note it can take up to 60 days for Tangerine to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from Tangerine before your e-gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from Tangerine, your e-gift card will be emailed to the email address you provided to RateSupermarket.ca. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from Tangerine first before sending out your e-gift card, even if you have already received your new credit card.

It can take up to 4 weeks for Tangerine to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact Tangerine directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your e-gift card will be emailed to the email address you have provided to RateSupermarket.ca. Please allow up to 4 weeks for processing.

How can I check on the status of my credit card application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this giveaway?

All customers who apply during the offer period (April 1st 2016 to May 31st 2016) and are approved for the featured credit card will receive a FREE e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply Online' link on the RateSupermarket.ca promotional page and apply for and qualify for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (April 1st 2016 to May 31st 2016) for their application to be valid.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Wait for RateSupermarket.ca to receive confirmation of your status from Tangerine. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address you provided to RateSupermarket.ca. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new Tangerine Money-Back Credit Card applicants.

Is this giveaway open to everyone?

This giveaway is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe before you apply for your credit card in order to be able to claim your e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the lender to approve your credit card application. If you have any questions regarding the status of your application, please contact the lender directly.

Can I sign up for this offer over the phone or through my bank?

Sorry - only credit card applications placed through the RateSupermarket.ca special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, phone number and email address.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The lender will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the lender directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period (April 1st 2016 to May 31st 2016), you can still qualify for the offer. Qualification for this offer is based on application dates, not approval dates.

Who do I contact for more information regarding this promotion?

You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Vendor Disclaimer:
The listed merchants are in no way affiliated with RateSupermarket.ca, nor are the listed merchants to be considered sponsors or co-sponsors of this program. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners. Terms and conditions are applied to gift cards/certificates. Please see the merchant gift card/certificate for additional terms and conditions, which are subject to change at merchant's sole discretion. The Toronto-Dominion Bank is not responsible or liable for any aspect of this offer.

1) Information on how to apply for the Offer are part of these Terms and Conditions.

2) Participation in this Offer is deemed acceptance of these Terms and Conditions.

3) Offer is not valid in conjunction with any other promotion.

4) Offer commences at 5:00AM EST on March 1st, 2016, and closes at 11:59PM EST on April 29th, 2016 ("Offer Period").

5) In order to qualify for the Offer participants must:

• Click on the appropriate link from the RateSupermarket.ca ("The Promoter") website to apply for the featured credit card(s). Applications placed over the phone OR through online chat will not be valid.
• Complete the MBNA Platinum Plus® MasterCard® credit card application and receive confirmation from the lender that the application has been approved.
• Provide RateSupermarket.ca with last four digits of the approved credit card and email details for distribution of gift card upon approval. The Promoter is responsible for the fulfillment of gift cards in connection with this promotion.
• Participant details provided to The Promoter for the gift card offer must match the details used to apply for the credit card(s). If any details are inconsistent or do not match, then the offer is invalid.
• Not already have an MBNA Platinum Plus MasterCard® credit card account. This promotion is only open to new MBNA Platinum Plus MasterCard® credit card holders.

6) All participants who apply for the Offer during the Offer Period, and are approved, will receive a free gift card from RateSupermarket.ca.

7) The Offer is one (1) gift card per approved credit card. Individuals are only eligible to receive one (1) credit card for the duration of the promotion and one (1) gift card. Gift cards will only be fulfilled following confirmation of approval from the lender.

8) Gift cards will be emailed to qualified participants to the email address the participant provides. Neither the Promoter nor the credit card issuer/lender are responsible for email address inaccuracies provided by the participant.

9) The Offer is non-transferable and there is no cash alternative.

10) Offer is only open to Canadian residents.

11) Approved credit card applicants will be notified by the lender. Notification that the participant has successfully qualified for the Offer will come from The Promoter by email.

12) The Promoter's decision is final and no correspondence will be entered into.

13) The Promoter will not have access to any personal details provided for the credit card application and is not responsible in any way for the approval of credit card applications.

14) Participants consent to the Promoter using the participant's name, email address and mailing address to verify approved credit card applications.

15) Please review The Promoter's Privacy Policy, which also governs this promotion.

16) Completed credit card applications can take up to 60 days to be processed by the lender.

17) The Offer will still be distributed to participants who have successfully qualified up to 60 days after the end of the Offer Period.

18) The Promoter will distribute the Offer to participants who have successfully qualified following confirmation from MBNA that the credit card application has been approved. Please allow up to 4 weeks for processing.

19) Neither the Promoter nor the credit card issuer/lender are responsible for lost, late, misdirected or otherwise undeliverable mail, or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by the Promoter, participants or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a participant's ability to participate in the promotion.

20) All content included within the Offer, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of The Promoter or its content suppliers and protected by Canadian copyright laws.

21) The Promoter reserves the right at their sole discretion to disqualify any individual that tampers or attempts to tamper with the operation of the promotion or violates the promotion rules or terms and conditions.

22) The Offer is void where prohibited.

23) Any issues with gift card fulfillment must be brought to the attention of the Promoter within 3 months of the application date.

How do I apply for this promotion and receive my gift card?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online MBNA® credit card application form. Complete the credit card application form and submit it to MBNA - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info - you'll need it later to claim your gift card.

Step 3: Confirm your qualification.
Once you have received approval from MBNA for your new credit card account, log in to your RateSupermarket.ca profile and add the last 4 digits of your new credit card. Please note it can take up to 60 days for MBNA to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from MBNA before your gift card can be sent. This can take up to 4 weeks. Log in to your profile at any time to see your status.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from MBNA, your gift card will be emailed to the email address provided. Please allow up to 4 weeks for processing.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from MBNA first before sending out your gift card, even if you have already received your new credit card.

It can take up to 4 weeks for MBNA to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact MBNA directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your gift card will be emailed to the email address you have provided. Please allow up to 4 weeks for processing.

How can I check on the status of my application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this giveaway?

All customers who apply during the offer period (March 1st 2016 to April 29th 2016) and are approved for the featured credit card will receive a FREE gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must apply for and qualify for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (March 1st 2016 to April 29th 2016) for their application to be valid.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Log in to your RateSupermarket.ca profile and enter the last 4 digits of your new credit card.
● Wait for RateSupermarket.ca to receive confirmation of your status from MBNA. Please note this can take up to 4 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your gift card to the email address provided. Please allow up to 4 weeks for processing.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new MBNA Platinum Plus MasterCard® credit cardholders.

Is this giveaway open to everyone?

This giveaway is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe to claim your gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the lender to approve your credit card application. If you have any questions regarding the status of your application, please contact the lender directly.

Can I sign up for this offer over the phone or through my bank?

Sorry - only credit card applications placed through RateSupermarket.ca's special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, email address, province and mailing address. You will also be required to enter the last 4 numbers of your new credit card once you receive it into your RateSupermarket.ca User Profile.

Please note that any information you provide in your credit card application is confidential and not accessible to RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. But that's a good thing! The lender will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the lender directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page, during the offer period (March 1st 2016 to April 29th 2016), you can still qualify for the offer.

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.

Vendor Disclaimer:

The listed merchants are in no way affiliated with RateSupermarket.ca and President's Choice Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this program. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners. Terms and conditions are applied to e-gift cards. Please see the merchant e-gift card for additional terms and conditions, which are subject to change at merchant's sole discretion. President's Choice Bank is not responsible or liable for any aspect of this offer.

Terms & Conditions

1) Information on how to apply for the Offer are part of these Terms and Conditions.

2) Participation in this Offer is deemed acceptance of these Terms and Conditions.

3) Offer is not valid in conjunction with any other promotion.

4) Offer commences at 5:00AM EST on February 3rd, 2016 and closes at 3:59PM EST on March 31st, 2016 ("Offer Period").

5) In order to qualify for the Offer participants must:

• Not already have any President's Choice Financial® MasterCard® credit card account. This promotion is only open to new President's Choice Financial® MasterCard® or President's Choice Financial® World Elite MasterCard® credit card applicants.
• Provide your contact information to RateSupermarket.ca.
• Click on the appropriate link on the RateSupermarket.ca ("The Promoter") website to apply for the featured credit card(s). Applications placed over the phone OR through online chat will not be valid.
• Complete the President's Choice Financial® MasterCard® and President's Choice Financial® World Elite MasterCard® application and receive confirmation from the lender that the application has been approved.
• The Promoter is responsible for the fulfillment of e-gift cards in connection with this promotion.
• Participant details provided to The Promoter for the e-gift card offer must match the details used to apply for the credit card(s). If any details are inconsistent or do not match, then the offer is invalid.

6) All participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive a free e-gift card via email from RateSupermarket.ca.

7) All eligible participants who apply for the Offer during the Offer Period, and are approved for the applicable credit card, will receive offers totalling 20,000 PC® points as follows:

When you receive your PC Financial MasterCard credit card or PC Financial World Elite MasterCard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial MasterCard or PC Financial World Elite MasterCard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice products are sold. See coupons or offers for full details. Coupons or offers have no cash value.
For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard or PC Financial World Elite MasterCard account and may be terminated or changed at any time without notice.
Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

8) The Offer is one (1) e-gift card per approved credit card account. Individuals are only eligible to receive one (1) credit card for the duration of the promotion and one (1) e-gift card. E-gift cards will only be fulfilled following confirmation of approval from the lender.

9) E-gift cards will be emailed to qualified participants to the email address the participant provides. Neither the Promoter nor the credit card issuer/lender are responsible for email address inaccuracies provided by the participant.

10) The Offer is non-transferable and there is no cash alternative.

11) Offer is only open to Canadian residents who are age of majority in their province/territory of residence.

12) Approved credit card applicants will be notified by the lender. Notification that the participant has successfully qualified for the Offer will come from The Promoter by email.

13) The Promoter's decision is final.

14) The Promoter will not have access to any personal details provided for the credit card application and is not responsible in any way for the approval of credit card applications.

15) Participants consent to the Promoter using the participant's name and email address to verify approved credit card applications.

16) Please review The Promoter's Privacy Policy, which also governs this promotion.

17) Completed credit card applications can take up to 60 days to be processed by the lender.

18) The Offer will still be distributed to participants who have successfully qualified up to 60 days after the end of the Offer Period.

19) The Promoter will distribute the Offer to participants who have successfully qualified following confirmation from President's Choice Bank that the credit card application has been approved. Please allow up to 4 weeks for processing.

20) Neither the Promoter nor the credit card issuer/lender are responsible for lost, late, misdirected or otherwise undeliverable mail, or applications that cannot be processed due to phone, network, electronic or computer hardware or software failure, or technical failures of any kind, whether caused by the Promoter, participants or by any of the equipment or programming associated with or utilized in the promotion or by any technical or human error which may occur in the processing of submissions which may limit a participant's ability to participate in the promotion.

21) All content included within the Offer, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of The Promoter or its content suppliers and protected by Canadian copyright laws.

22) The Promoter reserves the right at their sole discretion to disqualify any individual that tampers or attempts to tamper with the operation of the promotion or violates the promotion rules or terms and conditions.

23) The Offer is void where prohibited.

24) Any issues with e-gift card fulfillment must be brought to the attention of the Promoter within 3 months of the application date.

How do I apply for this promotion and receive my e-gift card and 20,000 PC® points?

Step 1: Fill out your details on the RateSupermarket.ca promo page!
Once you're done, hit the Apply Online button to be transferred to the secure online President's Choice Financial® MasterCard® credit card application form. Complete the credit card application form and submit it to Presidents Choice Financial® - your application is finished.

Step 2: Receive your login details from RateSupermarket.ca.
You will receive a RateSupermarket.ca email with your user log in and password information. Keep this info to access your RateSupermarket.ca user profile.

Step 3: Confirm your qualification.
Once you have received approval from President's Choice Financial® for your new credit card account, log in to your RateSupermarket.ca profile to check the status of your offer. Please note it can take up to 60 days for President's Choice Financial® to process and confirm the status of your application.

RateSupermarket.ca must receive confirmation of your credit card account approval from President's Choice Financial® before your e-gift card can be sent. This can take up to 6 weeks.

Step 4: Get your gift card!
Once RateSupermarket.ca receives confirmation of your approval from President's Choice Financial®, your e-gift card will be emailed to the email address you provided to RateSupermarket.ca. Please allow up to 4 weeks for processing.

Step 5: Get your 20,000 PC® points!
When you receive your PC Financial MasterCard credit card or PC Financial World Elite MasterCard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial MasterCard or PC Financial World Elite MasterCard and redeem each coupon or offer to receive 5,000 PC points with a purchase at the checkout in participating grocery stores where President's Choice® products are sold. See coupons or offers for full details. Coupons or offers have no cash value.

For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard or PC Financial World Elite MasterCard account and may be terminated or changed at any time without notice.

Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

Still have an inquiry? Check out our list of Frequently Asked Questions Below.

Frequently Asked Questions

I already have my new credit card, but have not yet received my gift card. Why?

RateSupermarket.ca must receive confirmation of your credit card approval from President's Choice Financial® first before sending out your e-gift card, even if you have already received your new credit card.

It can take up to 6 weeks for President's Choice Financial® to confirm this information with RateSupermarket.ca. Unfortunately, RateSupermarket.ca cannot contact President's Choice Financial® directly for information about your application status as your personal information is kept confidential. Once RateSupermarket.ca receives confirmation of your qualification, your e-gift card will be emailed to the email address you have provided to RateSupermarket.ca. Please allow up to 4 weeks for processing.

How can I check on the status of my credit card application?

Log in to your RateSupermarket.ca user profile to see the status of your gift card qualification. You will receive login details for your profile from RateSupermarket.ca when you apply for this promotion. Can't find your login or password? Follow the password recovery directions, or email customercare@ratesupermarket.ca.

What is this giveaway?

All customers who apply during the offer period (February 3rd 2016 to March 31st 2016) and are approved for the featured credit card will receive a FREE e-gift card from RateSupermarket.ca.

How do I sign up for this promotion?

To participate in this promotion, you must first provide your information to RateSupermarket.ca, then click through the 'Apply Online' link on the RateSupermarket.ca promotional page and apply for and qualify for the featured credit card through the RateSupermarket.ca promotional page. Applicants must apply within the offer period (February 3rd 2016 to March 31st 2016) for their application to be valid.

I've been approved! When will I receive my gift card?
Great! Once you have received confirmation of your qualification, follow these steps:

● Wait for RateSupermarket.ca to receive confirmation of your status from President's Choice Financial®. Please note this can take up to 6 weeks.
● Once RateSupermarket.ca has confirmation of your approval, you will be emailed your e-gift card to the email address you provided to RateSupermarket.ca. Please allow up to 4 weeks for processing.

When will I receive my PC® points?

When you receive your PC Financial MasterCard credit card or PC Financial World Elite MasterCard credit card, you will also receive four welcome coupons or offers each worth 5,000 PC points. Use your PC Financial MasterCard or PC Financial World Elite MasterCard and redeem each coupon or offer to receive 5,000 PC points with any purchase at the checkout in participating grocery stores where President's Choice products are sold. See coupons or offers for full details. Coupons or offers have no cash value.

For all offers, allow 2-3 weeks from qualifying purchase for bonus PC points to be awarded. Each offer is limited to one per new PC Financial MasterCard or PC Financial World Elite MasterCard account and may be terminated or changed at any time without notice.

Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter, at participating grocery stores where President's Choice products are sold. Some redemption restrictions apply. See pc.ca for details.

I already have one of these credit cards. Can I still apply and receive a gift card upon approval?

Sorry - this promotion is open only to new President's Choice Financial® MasterCard® and President's Choice Financial® World Elite MasterCard® credit card applicants.

Is this giveaway open to everyone?

This giveaway is open to subscribers of RateSupermarket.ca only. If you are not a subscriber, you must subscribe before you apply for your credit card in order to be able to claim your e-gift card. You may unsubscribe any time after you have received your gift card, if you wish.

When will I know if I'm approved for my credit card?

It can take up to 60 days for the lender to approve your credit card application. If you have any questions regarding the status of your application, please contact the lender directly.

Can I sign up for this offer over the phone or through my bank?

Sorry - only online credit card applications placed through the RateSupermarket.ca special promotion page are eligible for this promotion. Credit card applications submitted any other way are not eligible for a gift card.

What personal information will be collected from me by RateSupermarket.ca?

To sign up for this promotion, you must provide your first and last name, phone number and email address.

Please note that any information you provide in your credit card application is confidential and not accessible by RateSupermarket.ca.

Why was my credit card application declined?

Unfortunately, we can't help you with that. The lender will not provide us with any details about declined cards, so that type of information will stay private. If you want to know why your application has been declined please contact the lender directly.

I haven't received my approval yet and the promotion is ending! Will I still qualify for my gift card?

Don't worry - as long as you applied for the credit card, using the link on the offer page on RateSupermarket.ca, during the offer period (February 3rd 2016 to March 31st 2016), you can still qualify for the offer. Qualification for this offer is based on application dates, not approval dates.

Who do I contact for more information regarding this promotion?
You can contact the RateSupermarket.ca Customer Care team directly at customercare@ratesupermarket.ca, or phone us at 1-866-462-4779.