Rewards
Base earn rate1 point for every $2 spent
Welcome bonusMultiple tier welcome bonus: Earn 5,000 points for $500 in purchases in first 3 months, OR 5,000 points for $5,000 in purchases in first 12 months, OR 5,000 points for enrollment in payment insurance for at least first 3 months
Rewards typecashback
Fees & rates
Annual fee$0
Additional card$0
Purchase interest rate20.99%
Cash advance rate22.49%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Mastercard Zero Liability policy you won't be liable for unauthorized transactions completed with your card
⭐
10% discount on gift cards from Allure partners
10%
⭐
Mastercard ID Check protects you against fraud by verifying your identity when making online purchases
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident