Rewards
Base earn rateup to 2 points per dollar spent
ProgramA la carte Rewards Plan
Welcome bonus20,000 rewards points upon joining and pay no annual fee for the first year
Rewards typepoints
Fees & rates
Annual fee$115
Additional card$35
Purchase interest rate20.99%
Cash advance rate22.49%
Foreign transaction fee2.5% (typical)
Standout perks
🎩
Medical, general and legal assistance
💳
Travel discounts and exclusive travel rewards through A la carte Rewards with freedom to choose agency and airline
⭐
Repayment with rewards points - pay credit card balance directly with points in online bank
⭐
A la carte Extras program - invest in financial products, save on banking packages or pay mortgage with rewards points
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $5,000,000 per person
🛡️
trip cancellation
up to $2,500 per person
🛡️
trip interruption
up to $5,000 per person
🛡️
flight delay
up to $500 per person
🛡️
baggage delay
up to $500 per person
🛡️
baggage loss
up to $1,000 per person
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident