Rewards
Base earn rate1% cash back on other purchases
ProgramBONUSDOLLARS
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$130
Additional card$40
Purchase interest rate20.9%
Cash advance rate21.9%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Relax at a Desjardins Odyssey Lounge at Montreal-Trudeau International Airport with unlimited beverages and snacks, newspapers and magazines, and free Wi-Fi
8 free passes per year for all cards on account
✈️
Access over 1,300 airport lounges in more than 140 countries with Mastercard Travel Pass provided by DragonPass
⭐
Unlock a complimentary Flexiroam International eSIM Plan with seamless, hassle-free connectivity. Includes three x 1GB Global Data Roaming eSIM Plan
complimentary plan plus 15% off future eSim Plan purchases
⭐
Create memories with exclusive experiences available near you, around the world and online
⭐
Earn cash back when using credit card outside of Canada
⭐
Car rental discounts at Hertz with up to 25% off base rental rate, no fee for young drivers, no fee for additional driver, automatic Five Star status with Hertz Gold Plus Rewards, 20% off Prestige collection (US and Europe), 10% off Fuel Purchase Option, and reduced-rate loss damage waiver
up to 25% off base rental rate
⭐
Car rental discounts at Thrifty and Dollar with up to 10% off base rental rate, no fee for young drivers, no fee for additional driver
up to 10% off base rental rate
⭐
24/7 travel assistance anywhere in the world for help in case of emergency when travelling
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $5,000,000 per person
🛡️
trip cancellation
up to $2,500 per person if cancelled before departure; unlimited if cancelled after departure
🛡️
baggage loss
up to $1,000 per person if baggage is lost, damaged by common carrier, or stolen
🛡️
baggage delay
up to $500 per person if baggage is delayed more than 6 hours
🛡️
rental car
collision and loss damage coverage
🛡️
mobile device
up to $1,500
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident