Rewards
Base earn rate0.5% cash back on 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
⭐
Credit Balance Insurance to help pay off credit card in case of death or disability
⭐
Discounts at Hertz, Thrifty and Dollar car rentals
up to 15% off at Hertz; up to 10% off at Thrifty and Dollar
⭐
No young drivers surcharge at Hertz, Thrifty and Dollar
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No fee for additional drivers at Hertz, Thrifty and Dollar
⭐
15% off GPS unit at Hertz
15%
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Reduced Loss Damage Waiver at Hertz
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Financing for purchases of $200 or more in smaller equal installments at participating merchants
⭐
Cash advances up to $2,500 per day
up to $2,500
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