Rewards
Base earn rate0.5% cash back on all other purchases
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$0
Purchase interest rate20.9%
Cash advance rate21.9%
Foreign transaction fee2.5% (typical)
Standout perks
💳
Discounts at Hertz with up to 15% off rental rate, no young drivers surcharge, no fee for additional drivers, 15% off GPS unit, and reduced loss damage waiver
up to 15% off
💳
Discounts at Thrifty and Dollar with up to 10% off rental rate, no young drivers surcharge, no fee for additional drivers
up to 10% off
⭐
24/7 travel assistance anywhere in the world with emergency support while travelling in Canada and the US
⭐
Credit Balance Insurance to help pay off credit card in case of death or disability
⭐
Desjardins Identity Protection to safeguard assets and support if identity is stolen
⭐
Mobile payment so you can pay with Android or Apple device
⭐
Security alerts by text message if unusual activity detected on credit card account
⭐
Zero Liability if fraudulent transactions made with card
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
travel medical
up to 5,000,000 per person
🛡️
trip cancellation
up to 500 per person if cancelled before departure; up to 1,000 per person if cancelled after departure
🛡️
baggage loss
up to 500 per person
🛡️
mobile device
up to 1,000
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident