We deploy rigorous data analysis to index and score the market. Our recommendations are derived from raw data, ensuring zero bias from advertiser influence.
We strive to be the smartest financial friend you have. Our goal is to save you money, not upsell you junk.
Ads pay the bills, but our Math runs the show. See our "No-Nonsense" Disclosure
A buddy for your wallet
FULL TRANSPARENCYA comprehensive overview of our business model, data ethics, and commitment to unbiased service.
RateBuddy is free for you to use, but it does cost money to run. To cover our expenses, we earn revenue through advertisements and sponsorship placements. This means our partners often compensate us when you click a link or apply for a product through our site. Importantly, this does not change our product ratings, rankings, reviews, or opinions. We strive to show you the most options possible so you can make informed decisions.
Our obligation to you supersedes any business relationship. This applies to everything we do—from the code that sorts rates to the advice in our guides. If a product has excessive fees, we expose them. If a service is outdated, we flag it. We are built to be your advocate, ensuring you always have the full, unvarnished picture.
While we strive to scan the entire market, the financial world is massive. We might not list every single credit union or local bank in existence. However, we work tirelessly to present the most competitive offers available in Canada.
Our opinions are our own. If a card has a terrible fee, we’ll tell you. If a bank has a glitchy app, we’ll warn you. Our loyalty is to your wallet.
When you apply through an eligible RateBuddy button or link, the bank or card issuer may pay RateBuddy a commission. For selected offers, we share part of that commission with you as a real cash rebate, sent directly by Interac e-Transfer. No gimmicks, points, contests or games—just cash once your eligibility is confirmed. To qualify, you must start and complete your application using the eligible RateBuddy button or link and meet the offer terms. We aim to pay your rebate as soon as the bank or card issuer confirms that you qualify. Confirmation can sometimes take up to 90 days, so your rebate payment may take that long.
See how to claim your extra cash
A buddy for your wallet
Groceries. Bills. Something you’re saving for. Every dollar has a place in your life, and even small savings can make a difference.
Our goal is simple: help you keep more money in your wallet and put a little extra back whenever we can.
Make every dollar count.We help you compare fees, benefits and offers in plain language, so you can decide what works for you.
Share a little more with you.On selected offers, we share part of our commission as a cash rebate. It’s extra money for whatever matters to you.
Give you the honest picture.Our reviews explain each product’s pros and cons. Paid advertising cannot change those findings.
Every penny matters to you. It matters to us, too.
A little extra, from RateBuddy
Explore offers with a RateBuddy rebate. Find the right fit, check the details, and make your next move count.
RateBuddy rebate offers
Guaranteed, instant approvals*. Access to virtual credit card immediately
Start today with the Neo Mastercard and get approved instantly. We’ll help you build your credit and borrow better. Canada’s first card designed to grow with you.
Get Neo’s $100 welcome bonus + Get Exclusive RateBuddy cash rebate $100! Conditions apply.
Best no annual-fee cashback card in Canada*
The Neo World Mastercard® is designed to elevate your everyday spending with the best no annual-fee cashback card in Canada*. The Neo World Mastercard gives you three no-annual-fee cashback choices: Everywhere, Gas & Grocery, or Shop & Dine. Each version is designed around a different spending style, with up to 15% boosted cashback on top of base cashback rates at participating Neo partners.
Earn 5% cash back for the first 3 months, get a 0.99% balance-transfer rate for 9 months and pay no annual fee.*
Earn 5% cash back on the first $2,000 in eligible purchases during the first three months, for up to $100 in promotional cash back. Plus, get a 0.99% introductory interest rate on balance transfers for the first nine months. A 2% fee per cash advance applies, and the standard 22.99% cash-advance rate applies afterward. The annual fee is $0 for primary and supplementary cards. Eligibility restrictions and conditions apply.*
Earn 15% cash back for the first 3 months, get 0% on balance transfers for 12 months, plus get the first-year annual fee waived.* Welcome offer ends
Get a 0.99% introductory balance-transfer rate for the first 9 months.*
Get a 0.99% introductory interest rate on balance transfers for the first nine months. A 2% fee per cash advance applies, and the standard 22.99% cash-advance rate applies after the promotional period. The annual fee is $49. Eligibility restrictions and conditions apply.*
Earn up to 10,000 bonus Scene+ points within your first 3 months—up to $100 toward travel.*
Earn up to 10,000 bonus Scene+ points within your first three months. That is up to $100 in value when redeemed toward eligible travel. Eligibility restrictions and conditions apply.*
Earn up to $950 in welcome offers, first-year rewards and savings value, including up to 50,000 bonus Scene+ points.
Earn up to $1,250 in first-year welcome offers, rewards and savings,* including up to 35,000 bonus Scene+ points. Welcome offer ends
Open a new account between August 4 and November 1, 2026. Earn 25,000 bonus Scene+ points after at least $2,000 in eligible purchases are posted within the first three months. Plus, earn an annual 10,000-point bonus after at least $40,000 in eligible purchases during the applicable 12-month annual period. Points are generally credited approximately eight weeks after qualification. Eligibility restrictions and conditions apply.*
Earn up to 80,000 bonus Scene+ points in your first 14 months—that’s up to $800 in value.*
Earn up to $3,000 in value in the first 14 months, including up to 100,000 bonus Scene+ points.*
Earn up to 5,000 bonus Scene+ points in your first 3 months.* Pay No Annual Fee. Welcome offer ends
Open a new Scotiabank® Scene+™ Visa* account between July 2 and November 1, 2026. Earn 2,500 bonus Scene+ points after $250 in eligible purchases within the first three months, plus another 2,500 points after reaching $1,000 in total eligible purchases during the same period. Points are generally credited approximately eight weeks after qualification if the account remains open and in good standing. Current or former primary or secondary Scotiabank personal credit-card holders within the past two years, card switchers and Scotiabank employees are not eligible. Other conditions apply.*
RateBuddy rebates are separate from provider welcome offers. Eligibility, application and claim requirements apply. Availability can change; review the current offer before applying.
