Rewards
Base earn rate1% cash back on all other purchases
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$100
Additional card$30
Purchase interest rate20.9%
Cash advance rate21.9%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Access over 1,300 airport lounges in more than 140 countries courtesy of Mastercard Travel Pass provided by DragonPass
⭐
FlexiRoam: Complimentary Flexiroam International eSIM Plan with three x 1GB Global Data Roaming eSIM Plan and 15% off future eSIM purchases
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Exclusive experiences available near you, around the world and online
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Hertz car rental discounts
up to 25% off base rental rate
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Thrifty and Dollar car rental discounts
up to 10% off base rental rate
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Credit Balance Insurance to help pay off credit card in case of death or disability
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Mobile payment with Android or Apple device
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Desjardins Identity Protection to safeguard assets and support if identity is stolen
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 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
🛡️
rental car
Included — see issuer for details.
🛡️
mobile device
up to $1,500
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident