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
✈️
Access to Desjardins Odyssey Lounges at Montreal-Trudeau International Airport
12 free passes per year for all cards on the account
✈️
Complimentary lounge visits when enrolled in Visa Airport Companion program
6 complimentary visits per membership year; additional visits US$32 per person per visit
🎩
Visa Infinite Privilege Concierge service available 24/7 for trip planning, event tickets, and other services
⭐
Visa Infinite Luxury Hotel Collection bookings with exclusive benefits including automatic room upgrades
⭐
Discounts at Hertz car rental
up to 25% off rental rate, no young drivers surcharge, no fee for additional drivers, 20% off Prestige collection, 25% off GPS unit, reduced Loss Damage Waiver
⭐
Discounts at Thrifty and Dollar car rental
up to 10% off rental rate, no young drivers surcharge, no fee for additional drivers
⭐
Hertz Gold Plus Rewards automatic Five Star status eligibility
⭐
Mobile payment capability
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
Included — see issuer for details.
🛡️
mobile device
up to $1,500
Eligibility
Minimum personal income$60,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident