Rewards
Base earn rate1% cash back on all purchases
ProgramBONUSDOLLARS
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$130
Additional card$40
Purchase interest rate20.9%
Cash advance rate21.9%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Complimentary access to Desjardins Odyssey Lounges at Montreal-Trudeau International Airport with unlimited beverages and snacks, newspapers and magazines, and free Wi-Fi
8 free passes per year for all cards on account
✈️
Access over 1,300 airport lounges in more than 140 countries
⭐
Complimentary Flexiroam International eSIM Plan with seamless, hassle-free connectivity. Three 1GB Global Data Roaming eSIM Plan and 15% off future purchases of eSIM Plans
⭐
Exclusive experiences available near you, around the world and online
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Earn cash back when you use your credit card outside of Canada
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Up to 25% off rental rate at Hertz with no young drivers surcharge and no fee for additional drivers. Automatic eligibility for Five Star status with Hertz Gold Plus Rewards program. 20% off Prestige collection (US and Europe). 25% off GPS unit. Reduced Loss Damage Waiver.
up to 25% off
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Up to 10% off rental rate at Thrifty and Dollar with no young drivers surcharge and no fee for additional drivers
up to 10% off
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Credit Balance Insurance to help pay off credit card in case of death or disability
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $5,000,000 per person
🛡️
trip cancellation
up to $2,500 per person if cancelled before departure; unlimited if cancelled after departure
🛡️
baggage loss
up to $1,000 per person if lost or damaged by common carrier or stolen
🛡️
baggage delay
up to $500 per person
🛡️
rental car
Included — see issuer for details.
🛡️
mobile device
up to $1,500
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident