Rewards
Base earn rate0.5 point per $1 spent on all other eligible purchases
Welcome bonusEarn up to 2,000 bonus points when you make your first purchase in the first 3 months and set up a pre-authorized payment. Plus, earn 2,000 bonus points for every friend or family member you refer.
Rewards typecashback
Fees & rates
Annual fee$0
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
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Visa Zero Liability fraud protection You are covered against unauthorized use of your card and won't be charged for fraudulent purchases
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Virtual card issued instantly upon approval to start spending right away
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Real-time notifications for purchases
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Lock and unlock card features and ability to block online transactions in foreign currency
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Manage authorized users with spending limits, card locks, and transaction controls
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inCard offers earn bonus points or hit spend milestones on hundreds of exclusive merchant offers
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
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purchase protection
Included — see issuer for details.
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extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident