Rewards
Base earn rate1 point per $1 spent on all other eligible purchases
Welcome bonusNone
Rewards typepoints
Fees & rates
Annual fee$110
Additional card$0
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Visa Zero Liability fraud protection - covered against unauthorized use of card
⭐
Add a friend or family member to your card and share the benefits
⭐
inCard offers - earn more rewards by using card with hundreds of inCard offers
⭐
eShop offers - shop online through eShop and earn up to 15% back in points on favourite brands
up to 15%
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $5,000,000 out-of-province coverage
🛡️
trip cancellation
up to $2,000 per person in case of cancellation; up to $5,000 in case of interruption
🛡️
baggage delay
up to $2,500 per family
🛡️
common carrier accident
up to $500,000 per person
🛡️
rental car
Auto rental collision/loss damage insurance
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident