Rewards
Base earn rate1% cash back on all other everyday purchases
Welcome bonus5% cash back on first $6,500 in eligible purchases within first 3 months, plus 2.99% introductory balance transfer rate for 6 months
Rewards typecashback
Fees & rates
Annual fee$79
Additional card$29
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
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Shell Go+ fuel benefit: instant 3/L discount on fuel purchases at participating Shell locations in Canada
3/L instant discount (up to 1,000 litres per month)
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Earn 3/L in cash back value on fuel purchases at gas stations
3/L cash back (part of 3% category earn rate)
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Visa payWave contactless payment for quick, easy payments on everyday purchases
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Click to Pay secure online checkout technology
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Visa SavingsEdge automated discount program offering discounts from participating merchants
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Scotia SelectPay allows converting eligible purchases of $100 or more into fixed monthly installment payments
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Visa Spend Clarity for Business web-based expense tracking and management tool with customizable reporting and accounting software integration
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
travel medical
up to $1,000,000
🛡️
rental car
actual cash value of vehicle
🛡️
purchase protection
up to $60,000 maximum lifetime liability
🛡️
extended warranty
up to $60,000 maximum lifetime liability
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident