Rewards
Base earn rate100 points redeemable for $1
Welcome bonusGet over 2,000 bonus points plus 0.99% interest on balance transfers. Rack up the bonus points with multiple earning opportunities.
Rewards typecashback
Fees & rates
Annual fee$30
Purchase interest rate12.49%
Cash advance rate13.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Assur-Payment optional program combining insurance, advice and health and wellness assistance services
$0.97 per $100 of monthly balance used
⭐
Instalment plan allowing flexible payment options for eligible purchases CAD 100 and over
starting at 5.99% interest for 3-, 6-, 12-, or 24-month plans
⭐
inCard offers providing rewards on everyday purchases with hundreds of participating merchants
⭐
eShop offering cash back on purchases at favourite brands
up to 15% back in points
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
fraud protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident