When you want the best of the best.
Because nothing beats straight-up cash back.
Get rewarded for free.
The world at your fingertips.
Stop paying the 2.5% currency conversion fees.
If you have high-volume transactions in U.S. dollars.
Pay off your balance faster.
Get as low as 0% interest.
Build your credit history and rewards.
Points that are easy to earn.
Canada's top airline rewards (until 2020).
Take your business spending to the next level.
High rewards, big bonuses, and top customer service.
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These Terms were last updated September 30, 2019, are effective immediately, and replace any previously published terms. These Terms may be changed at any time at our discretion. Should we update these Terms, we will post the updates to this page.