Annual Fee
$99
Extra Card Fee
$30
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
$15,000
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
  • For a limited time, earn 4% cash back for the first 4 months (up to $200 earned).
  • Earn 1% cash back on all purchases.
  • Earn 2% cash back on all Tim Hortons and TELUS purchases.
  • Earn 4% cash back on gas and grocery purchases.
  • No limit to the amount of cash back you can earn.
  • Add up to 3 extra cardholders free for a year.
  • Allows you to set spending limit on secondary card holders.
  • Card automatically comes with 4 types of insurance that include purchase protection and travel accident.
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $500,000
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

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The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

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