Rewards
Base earn rate1 point for every $1 spent on all other purchases
ProgramFlex Rewards
Welcome bonusNone
Rewards typepoints
Fees & rates
Annual fee$120
Additional card$50
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Access to 1300+ airport lounges worldwide and other services via Mastercard Travel Pass provided by DragonPass
💳
24/7 Travel Assistance
⭐
Zero Liability Fraud Protection
⭐
Hertz Auto Rental Discounts
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
🛡️
mobile device
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident