Rewards
Base earn rate1% cash back on eligible purchases everywhere else Mastercard is accepted
Welcome bonusGet 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants for 6 months after approval, on first $3,000 in eligible purchases
Rewards typecashback
Fees & rates
Annual fee$0
Purchase interest rate21.74%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
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Save a minimum of 10% off base rates in Canada and the U.S., and minimum 5% off base rates internationally on qualifying car rentals at Avis
minimum 10% discount (Canada/U.S.), minimum 5% discount (international)
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Save a minimum of 10% off base rates in Canada and the U.S., and minimum 5% off base rates internationally on qualifying car rentals at Budget
minimum 10% discount (Canada/U.S.), minimum 5% discount (international)
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Emergency Card Replacement on 7-10 day delivery or by courier
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Support for Lost Document and Ticket Replacement, Lost Luggage Assistance, Pre-trip Information and Legal Assistance
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Cash Advances at banks and ATMs internationally
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
up to $60,000 per account (lifetime total accumulative limit)
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extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident