Rewards
Base earn rate1.5 points per $1 spent with no purchase limit
ProgramA la carte Rewards Plan
Welcome bonusUp to 60,000 rewards points after signing up and annual fees reimbursed for the first year for the primary cardholder and the first additional authorized user
Rewards typepoints
Fees & rates
Annual fee$125
Additional card$50
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Mastercard ID Check is a service that protects against fraud by verifying identity when making online purchases
⭐
Easy Savings Program automatically receives discounts on eligible purchases at participating merchants
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
🛂 NEXUS fee rebate
Insurance coverage
🛡️
purchase protection
180-day purchase protection following the date of purchase
🛡️
extended warranty
Triple the manufacturer's warranty, up to 2 additional years
🛡️
flight delay
up to $500 per person
🛡️
baggage loss
up to $1,000 per person
🛡️
baggage delay
up to $500 per person
🛡️
rental car
against collision, theft or damage; theft of personal effects up to $2,000
Eligibility
Minimum personal income$150,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident