Rewards
Base earn ratevariable by offer
Welcome bonusNone
Rewards typepoints
Fees & rates
Annual fee$30
Additional card$0
Purchase interest rate12.49%
Cash advance rate13.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
inCard offers - earn more rewards by using the card with hundreds of inCard offers
⭐
eShop offers - shop online through eShop and earn up to 15% back in points on favourite brands
up to 15%
⭐
Virtual card - get a virtual card instantly upon approval
⭐
Real-time notifications - keep track of purchases with real-time notifications
⭐
Card lock and unlock - instant security with lock and unlock card features
⭐
Budget management - create a budget and manage spending by category
⭐
Foreign currency block - block online transactions in foreign currency
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
fraud protection
unlimited
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident