Rewards
Base earn rate1 point for every $1 spent
ProgramScene+
Welcome bonusNone
Rewards typepoints
Fees & rates
Annual fee$120
Additional card$50
Purchase interest rate19.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Save on car rentals with discounts of up to 25% at participating AVIS car rental locations worldwide
up to 25%
⭐
Visa SavingsEdge - receive discounts on business purchases
⭐
Visa Spend Clarity for Business - web-based tool to track expenses and stay on budget
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
flight delay
up to $500 per insured person
🛡️
rental car
up to $65,000
🛡️
baggage delay
up to $1,000
🛡️
baggage loss
up to $1,250 combined maximum
🛡️
common carrier accident
up to $500,000 per person, maximum $1,000,000 per occurrence
🛡️
hotel burglary
up to $1,000
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident