Rewards
Base earn rate1x point per dollar in purchases
ProgramMembership Rewards
Welcome bonusEarn a Welcome Bonus of up to 70,000 Membership Rewards points. That's up to $700 in statement credits that can be reinvested in your business.
Rewards typepoints
Fees & rates
Annual fee$199
Additional card$50
Purchase interest rate21.99%
Foreign transaction fee2.5% (typical)
Standout perks
💳
Travel Emergency Assistance
🎩
24/7 Customer Service
⭐
Employee Card Misuse Protection
⭐
Hotel Benefits
⭐
Emergency Card Replacement
⭐
Fraud Protection Guarantee
⭐
Buyer's Assurance Protection Plan
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
flight delay
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
baggage loss
Included — see issuer for details.
🛡️
hotel burglary
Included — see issuer for details.
🛡️
common carrier accident
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident