Rewards
Base earn rate1 point for every $1 spent on all other purchases
ProgramAventura Points
Welcome bonusEarn a total of up to 70,000 Aventura Points (up to $1,600 in travel value) plus annual fee rebate for first 2 years plus free Skip+ membership
Rewards typepoints
Fees & rates
Annual fee$120
Additional card$50
Purchase interest rate19.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Free Skip+ membership (first year value of $110) with $0 delivery fees and $10 monthly voucher
110
⭐
50% off Disney+ Standard with Ads subscription for 6 months with automatic $4.50 monthly statement credits
4.50 monthly
⭐
Up to 30% off base rates with Avis Pay Now or up to 35% off base rates with Budget Pay Now at participating locations worldwide
⭐
Access to Visa SavingsEdge for automatic savings on business solutions, travel, electronics and more
⭐
CIBC by Expedia for booking flights, hotel stays, car rentals and vacation packages with 24/7 support
⭐
Visa Spend Clarity - set custom spending limits, create virtual cards and track transactions in near real time
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
flight delay
Included — see issuer for details.
🛡️
baggage loss
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
common carrier accident
500,000
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident