Rewards
Base earn rate0.5% cash back on all purchases
ProgramManulife Better Rewards
Welcome bonusGet a 1.99% introductory rate for the first 6 months on balance transfers.
Rewards typecashback
Fees & rates
Annual fee$0
Additional card$0
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Zero liability in case of fraud
⭐
Secure shopping with Apple Pay, Google Pay, and Samsung Pay
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
🛂 NEXUS fee rebate
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
🛡️
travel medical
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$150,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident