Rewards
Base earn rate1% cash back on all eligible purchases
ProgramCashBack Rewards
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$0
Purchase interest rate21.99%
Foreign transaction fee$0 (no FX fee)
Standout perks
⭐
Guaranteed hotel reservations anywhere in the world with room held even if you arrive late
⭐
Contactless payment technology available wherever accepted
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Online account services to manage account anytime from anywhere
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident