Rewards
Base earn rate0.5 Points for every $1 spent
ProgramBlue Rewards
Welcome bonusGet 20,000 Bonus Points and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee
Rewards typepoints
Fees & rates
Annual fee$0
Additional card$0
Purchase interest rate21.99%
Cash advance rate23.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Get 20% off admission to Cirque du Soleil shows in Canada, and 15% off resident shows in Las Vegas
20% off in Canada, 15% off Las Vegas
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Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your card
3 months free Instacart+ plus $5/month credit
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Get even more Blue Points when you add an extra cardholder for free
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Lock/unlock card or report lost/stolen at any time
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Free, 24/7 access to Credit Coach with no impact to credit score
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Dispute transactions and reset PIN directly from mobile app
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Turn credit card purchases into smaller, interest-free monthly payments with a low fee
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Unlock exclusive offers at top brands through Blue Rewards offers
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
extended warranty
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident