Rewards
Base earn rate1% rewards on everyday essentials
ProgramManulife Better Rewards
Welcome bonusEnjoy 10% rewards on eligible purchases for the first 3 months
Rewards typecashback
Fees & rates
Annual fee$139
Additional card$50
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Visa Infinite Luxury Hotel Collection room upgrades, daily breakfast, and late checkout at 900+ properties around the world
🎩
Visa Infinite Concierge 24/7 assistance for travel, dining, and reservations
⭐
Visa Infinite Dining Series and Wine Country Program culinary events and winery experiences across Canada
⭐
Access Golf Benefits automatic Access Rewards Silver status and earn 1.1x points for every $1 spent on rounds of golf at top golf courses around the globe
1.1x points per $1 spent on golf
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
Included — see issuer for details.
🛡️
trip interruption
Included — see issuer for details.
🛡️
flight delay
Included — see issuer for details.
🛡️
baggage loss
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
Eligibility
Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident