Rewards
Base earn rate1.25 points per $1 spent on all other purchases
ProgramAeroplan
Welcome bonusUp to $3,000 in value including up to 85,000 Aeroplan points and additional travel benefits
Rewards typepoints
Fees & rates
Annual fee$599
Additional card$199
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Complimentary World of Hyatt Discoverist Status
✈️
Unlimited access to Air Canada Maple Leaf Lounges in North America
$590 estimated annual value based on 5 visits per year
✈️
Complimentary access for one guest to Maple Leaf Lounge per visit through December 31, 2026
✈️
6 complimentary worldwide select airport lounge visits annually
$372 estimated annual value
🛂
NEXUS program membership application fee rebate once every 48 months
up to $100 CAD per application
⭐
Share first free checked bags with up to 8 travel companions
$140 estimated value
⭐
Zone 2 Priority Boarding on Air Canada flights
⭐
Priority Check-in, Priority Baggage Handling, Priority Airport Standby and Priority Airport Upgrades
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
🛡️
trip cancellation
up to $2,500 per insured person, maximum $5,000 for all insured persons
🛡️
trip interruption
up to $5,000 per insured person, maximum $25,000 for all insured persons on same covered trip
🛡️
flight delay
up to $1,000
🛡️
baggage delay
up to $1,000 per insured person
🛡️
baggage loss
up to $2,500 per insured person
Eligibility
Minimum personal income$60,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident