Rewards
Base earn rateUp to 2 points per dollar spent
ProgramA la carte Rewards
Welcome bonus20,000 rewards points upon joining and pay no annual fee for the first year
Rewards typepoints
Fees & rates
Annual feeN/A
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
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A la carte Travel - Save on vacation packages and airline tickets when you redeem your points through the A la carte Travel online agency. Plan your entire trip with hotel and cruise bookings, car rentals and more.
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A la carte Extras - Invest in a financial product, save on your banking packages or pay your mortgage with your rewards points
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Repayment with rewards points - Pay your credit card balance with your rewards points directly in your online bank
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Medical, general and legal assistance
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
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extended warranty
Up to triple the manufacturer's warranty
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trip cancellation
Up to $2,500 per person
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trip interruption
Up to $5,000 per person
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travel medical
Up to $5,000,000 per person
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flight delay
Up to $500 per person
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident