Rewards
Base earn rate1.5 points per $1 spent
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 service protects against fraud by verifying identity when making online purchases
⭐
Automatically receive discounts on eligible purchases at participating merchants
⭐
Access to A la carte Travel online agency for booking hotels, cruises, vehicles and other services with point redemption
⭐
Fraud compensation plan
up to $10,000
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
🛂 NEXUS fee rebate
Insurance coverage
🛡️
flight delay
up to $500 per person
🛡️
baggage loss
up to $1,000 per person
🛡️
baggage delay
up to $500 per person
🛡️
rental car
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
triple the manufacturer's warranty, up to 2 additional years
Eligibility
Minimum personal income$150,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident