Rewards
Base earn rate5 points per $1 paid towards your balance
ProgramSmart Rewards
Welcome bonusNone
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rate21.9%
Cash advance rate21.9%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Price Protection Service - refund the price difference if an item purchased goes on sale within 60 days
up to $100 per item, $500 per calendar year
⭐
Mastercard Global Service - emergency card replacement, emergency cash advance, 24/7 telephone access and referral to closest ABM if card is lost or stolen
🎩
24/7 live agents on call for personalized customer support
⭐
Track credit score for free with Credit Keeper
⭐
Online rewards portal with growing collection of gift cards and redemption options
⭐
Mobile app to manage account and track earned points
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
baggage delay
up to $100 per day
🛡️
common carrier accident
up to $250,000
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident