Rewards
Base earn rate1% cash back on everything else
Welcome bonusGet up to $60 cash back when you spend $1,000 in the first 3 months and set up a pre-authorized payment. Plus, earn $20 for every friend or family member you refer.
Rewards typecashback
Fees & rates
Annual fee$65
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
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Virtual card available instantly upon approval
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Real-time purchase notifications
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Lock and unlock card features and block online transactions in foreign currency
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inCard offers on everyday purchases
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eShop offers with up to 15% back in points on favourite brands
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Add up to 4 additional cardholders (authorized users) ages 13 and up with real-time spending limit controls
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Flexible instalment plan options for eligible purchases
starting at 5.99% interest for 3-6 months
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
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extended warranty
Included — see issuer for details.
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fraud protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident