Rewards
Base earn rate1.5% cash back on other purchases
ProgramBONUSDOLLARS
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$295
Additional card$95
Purchase interest rate11.9%
Cash advance rate12.9%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Lounge access at Montreal-Trudeau International Airport via Desjardins Odyssey Lounge with unlimited beverages, snacks, newspapers, magazines, and free Wi-Fi
12 free passes per year
✈️
Complimentary lounge visits when enrolled in Visa Airport Companion program at certain Canadian airports
6 complimentary lounge visits per membership year; additional visits US$32 per person per visit
🎩
24/7 Visa Infinite Privilege Concierge service for travel planning, event tickets, and other requests
💳
Exclusive benefits when booking through Visa Infinite Luxury Hotel Collection including automatic room upgrades
⭐
Car rental discounts at Hertz, Thrifty and Dollar
up to 25% off Hertz base rental rate; up to 10% off Thrifty and Dollar base rental rate
⭐
Hertz Gold Plus Rewards program automatic eligibility at Five Star status
⭐
Hertz benefits including no fee for young drivers, no additional driver fee, 20% off Prestige collection, 10% off Fuel Purchase Option, reduced-rate loss damage waiver
⭐
No fee for young drivers and additional drivers at Thrifty and Dollar
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
🛂 NEXUS fee rebate
Insurance coverage
🛡️
travel medical
up to $5 million per person
🛡️
trip cancellation
up to $2,500 per person if cancelled before departure; unlimited if cancelled after departure
🛡️
baggage loss
up to $2,500 per person
🛡️
baggage delay
up to $1,000 per person
🛡️
rental car
auto rental collision and loss damage insurance
🛡️
mobile device
up to $1,500
Eligibility
Minimum personal income$60,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident