Rewards
Base earn rate1 point per $1.50 spent on other purchases
ProgramA la carte Rewards Plan
Welcome bonusUp to 25,000 rewards points upon enrollment and annual fees refunded for the first year for primary cardholder and first additional authorized user
Rewards typepoints
Fees & rates
Annual fee$70
Additional card$35
Purchase interest rate20.99%
Cash advance rate22.49%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Contactless payments
⭐
Enhanced security
⭐
Fraud protection
🎩
Medical, legal or general assistance
Included
⭐
Discounts on monthly fees for banking packages
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
🛂 NEXUS fee rebate
Insurance coverage
🛡️
baggage delay
up to $500 per person
🛡️
baggage loss
up to $1,000 per person
🛡️
travel medical
up to $5,000,000 per person
🛡️
trip cancellation
up to $1,000 per person
🛡️
trip interruption
up to $1,500 per person
🛡️
flight delay
up to $500 per person
Eligibility
Minimum personal income$150,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident