Annual Fee
$49
Extra Card Fee
$29
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Promo Transfer
0.99%
Promo Term
6 months
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
  • Earn 3% cash back on gas, office supplies, recurring bills, and at restaurants.
  • Earn 1% cash back on all other purchases.
  • Get a low introductory rate of only 0.99% on balance transfers for the first 6 months.
  • Includes 4 types of travel and purchase insurance.
  • Extended grace period of 25 days.
  • Add supplementary cards for only $29.
  • Low annual fee.
Extended Warranty 1 year
Purchase Protection 90 days
Emergency Medical Term 8 days
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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