Rewards
Base earn rate1% cashback on all eligible purchases
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$30
Purchase interest rate20.99%
Cash advance rate22.49%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Mastercard Zero Liability policy - you won't be liable for unauthorized transactions completed with your card
⭐
Mastercard ID Check - protects you against fraud by verifying your identity when making online purchases
⭐
Lock, unlock, or replace your credit card features
⭐
Balance alerts, travel notification activation, and pre-authorized payment scheduling with no annual fees
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
up to $60,000 for the entire account term
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident