| Bank | Rule in the agreement | Cash-advance fee and rate | Source |
|---|---|---|---|
| TD | Gaming is a cash-like transaction, charged as a cash advance; TD may decline any transaction | 1%, minimum $3.50, maximum $10 22.99% (Quebec 21.99%) | TD cardholder agreement 599186(0326) and Cash Back Visa Infinite information box (PDF) |
| RBC | Gaming is cash-like; RBC may block “transactions connected to online gambling” | Set by your card’s disclosure 22.99% (Cash Back Mastercard) | RBC credit card agreement 15912 (01/2026) (PDF) |
| BMO | Gaming transactions count with cash advances: no interest-free grace period | 1%, minimum $5 23.99% (Quebec 21.99%) | BMO cost-of-borrowing disclosure (product transfer), 2 June 2026 (PDF) |
| CIBC | The rate summary doesn’t mention gambling; ask CIBC how it charges a casino payment | $5 in Canada; none for Quebec residents 22.99% on most cards (Quebec 21.99%) | CIBC rates and fees summary 11995 (10/2026) (PDF) |
| Scotiabank | Gaming is cash-like, charged as a cash advance; Scotiabank Amex cards aren’t accepted for gaming chips | Greater of $5 or 1% Varies by card | Scotiabank Revolving Credit Agreement (4 Mar 2025) and fee schedule |
| National Bank | Online lottery and gambling are cash advances, with no reward points | Not stated in the information box 22.49% (World Elite and listed standard cards) | National Bank cash-advance help page and information box 27972-012 (10 Feb 2026) (PDF) |
| Desjardins | Casino purchases earn no cash back (Cash Back Visa); no grace period on cash advances | Not stated in the contract 21.90% | Desjardins credit card contract (effective 19 Oct 2026) (PDF) |
Your card’s own disclosure decides the fee and rate. Every bank’s rule in detail.