Rewards
Base earn rate1 point for every $1.50 you spend on all other purchases
ProgramAeroplan
Welcome bonusUp to $500 in value, including up to 20,000 Aeroplan points could be yours and receive an annual fee rebate for the first year
Rewards typepoints
Fees & rates
Annual fee$89
Additional card$35
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
💳
Emergency Travel Assistance Services - Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling
⭐
Save with Avis Rent A car and Budget Rent a Car - minimum 10% off lowest available base rates in Canada and U.S., minimum 5% off internationally
minimum 10% in Canada/US, 5% internationally
⭐
TD Payment Plans - Easily turn purchases of $100 or more into manageable 6, 12 or 18 month Payment Plans
⭐
Aeroplan Family Sharing - Up to 8 family members can share points together
⭐
Earn more at Starbucks - Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
🛂 NEXUS fee rebate
Insurance coverage
🛡️
baggage delay
up to $1,000
🛡️
flight delay
up to $500
🛡️
common carrier accident
up to $500,000
🛡️
rental car
Included — see issuer for details.
🛡️
hotel burglary
up to $2,500
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$150,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident