Rewards
Base earn rateSee card details
Welcome bonus0% promotional annual interest rate for 12 months on balance transfers completed within 90 days of account opening
Rewards typenone
Fees & rates
Annual fee$0
Additional card$0
Purchase interest rate12.99%
Cash advance rate24.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Save a minimum of 10% off base rates in Canada and U.S., and minimum 5% off internationally on car rentals at Avis and Budget
minimum 10% in Canada/U.S., minimum 5% internationally
⭐
Emergency Card Replacement on 7-10 day delivery or by courier
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Credit Line Increase Decisions during regular business hours and Cash Advances at banks and ATMs internationally
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident