Rewards
Base earn rate1 point per $1.50 spent on other purchases
ProgramA la carte Rewards Plan
Welcome bonusUp to 35,000 reward points and save on annual fees for the first year
Rewards typepoints
Fees & rates
Annual fee$70
Additional card$35
Purchase interest rate20.99%
Cash advance rate22.49%
Foreign transaction fee2.5% (typical)
Standout perks
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Medical, legal or general assistance
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Contactless payments with Apple Pay and Google Pay
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Enhanced security with Mastercard ID Check
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Redeem points at the travel agency of your choice or through A la carte Rewards Plan
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Discounts on monthly fees for The Total and The Connected packages
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Pay your credit card balance with your rewards points
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 $5,000,000 per person
🛡️
trip cancellation
up to $1,000 per person
🛡️
trip interruption
up to $1,500 per person
🛡️
flight delay
up to $500 per person
🛡️
baggage delay
up to $500 per person
🛡️
baggage loss
up to $1,000 per person
Eligibility
Minimum personal income$150,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident