Rewards
Base earn rate1% cash back on all eligible purchases
Welcome bonusGet up to $60 cash back when you spend $1,000 in the first 3 months and set up a pre-authorized payment. Plus, earn $20 for every friend or family member you refer.
Rewards typecashback
Fees & rates
Annual fee$0
Additional card$0
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
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Visa Zero Liability fraud protection - covered against unauthorized use of your card
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Virtual card - get your virtual card instantly within seconds of approval
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Real-time notifications on purchases
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Lock and unlock card features
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Block online transactions in foreign currency
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Add authorized users with spending limits and transaction controls
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Assur-PaymentTM optional program combining life, disability and job loss insurance with assistance services
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