Rewards
Base earn rate1.25 points per $1 spent on all other purchases
ProgramVancity Rewards
Welcome bonusGet up to $499 in rewards value
Rewards typepoints
Fees & rates
Annual fee$145
Additional card$50
Purchase interest rate11.25%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Two complimentary airport lounge visits annually for the Primary Cardholder
$84 value annually
💳
Complimentary Visa Airport Companion membership, providing access to more than 1,200 participating airport lounges worldwide
$90 value
⭐
Hotel perks including complimentary room upgrades, daily breakfast, and late checkout, plus enhanced rewards status and travel credits on qualifying stays
⭐
Access to Visa Infinite Dining series with offers at select restaurants and wineries
🎩
Plan your next business trip, make a reservation at your favourite local restaurant, and more with the help of a concierge, available 24/7
⭐
Golf perks at Access Rewards and exclusive benefits at the Toronto International Film Festival
⭐
Two complimentary 1GB/15-day GigSky global mobile data plans per year, plus 20% off future purchases
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
rental car
Included — see issuer for details.
🛡️
common carrier accident
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
flight delay
Included — see issuer for details.
🛡️
travel medical
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident