Rewards
Base earn rate1.25 Blue Points for every $1 spent
ProgramBlue Rewards
Welcome bonusGet over $1,750 in value, including an annual-fee waiver, in your first year. Earn up to 120,000 bonus Blue Points (worth up to $800 in value when redeemed at participating in-store partners or towards eGift Cards)
Rewards typepoints
Fees & rates
Annual fee$175
Purchase interest rate20.99%
Cash advance rate23.99%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Free membership for Mastercard Travel Pass provided by DragonPass, plus four free passes per calendar year
Up to $268 in value
⭐
5 free virtual care visits with Maple with a registered Canadian healthcare provider
Up to $520 in value
⭐
Liability Waiver Program providing protection against employee card abuse
⭐
Zero liability protection in cases of fraudulent card use
⭐
Mastercard Trust Centre with online access to trusted cybersecurity research and resources
🎩
24/7 assistance for card-related concerns, available in all languages and anywhere in the world
⭐
Get up to 22 additional cards so employees can easily make purchases on behalf of your business
⭐
Automatic rebates of 1%-25% when you shop at qualifying merchants
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $5 million
🛡️
trip cancellation
up to $1,500 per insured person, to a maximum of $5,000 per account
🛡️
flight delay
up to $500 per account
🛡️
baggage loss
up to $500 per insured person, to a maximum of $1,000 per account
🛡️
baggage delay
up to $500
🛡️
rental car
reimbursement for damage or theft of rental car
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident