Rewards
Base earn rateSee card details
Welcome bonusNone
Rewards typenone
Fees & rates
Annual fee$30
Purchase interest rate19.4%
Cash advance rate19.4%
Foreign transaction fee$0 (no FX fee)
Standout perks
💳
Travel Assistance service available 24/7 to provide information and assistance for medical, legal and other emergencies, including replacing airline tickets or lost or stolen cards, finding legal or medical help, and interpreter or translator services
🎩
Business concierge service to help plan business trips and special events such as meetings and conferences, including tickets to entertainment and events, reservations at restaurants, hotels, golf courses and flower delivery, and information about local customs
⭐
Visa Account Updater service to help avoid declined payments due to expired card information by automatically sending updated card number and expiration date to merchants with pre-authorized payment agreements
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
baggage loss
Included — see issuer for details.
🛡️
flight delay
Included — see issuer for details.
🛡️
common carrier accident
up to $100,000 for cardholder; up to $10,000 for spouse and children
🛡️
rental car
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident