Rewards
Base earn rate0.5% cash back on all other eligible purchases
Welcome bonus7.99% introductory interest rate on purchases for the first 6 months
Rewards typecashback
Fees & rates
Annual fee$0
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Save up to 25% off base rates at participating AVIS locations
up to 25%
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Save up to 25% off base rates at participating Budget locations in Canada and the U.S.
up to 25%
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Mastercard is the only credit card accepted at Costco warehouses in Canada
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Access to handpicked experiences from Mastercard in cities around the world with over 2,000 experiences
🎩
24-hour access to Mastercard Global Service, available every day of the year for card-related questions and emergency cash advances
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident