Annual Fee
$50
Extra Card Fee
$10
Purchase
10.90%
Cash Advance
10.90%
Balance Transfer
10.90%
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
  • Earn 1% BONUSDOLLARS on all purchases.
  • Very low 10.9% interest rate on all purchases and cash advances.
  • One of the very rare cards to offer a low annual fee, good rewards, and low interest rates at the same time.
  • Flexible rewards that can be used for financial services, merchandise and gift cards, travel, show tickets and even donations.
  • Mobile device insurance that covers your cellphone or tablet, up to $1,000, plus purchase protection and extended warranty on purchases make with card.
  • One free secondary card for Desjardins members.
  • 3 days of travel insurance for anyone 75 and younger.
  • Up to 20% off at Hertz locations around the world.
Extended Warranty 1 year
Purchase Protection 90 days
Mobile Device $1,000
Travel Accident $10,000
Emergency Medical Term 3 days
Trip Cancellation $500
Trip Interruption $1,000
Baggage Delay $500
Lost or Stolen Baggage $500

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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