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  • 3% in BONUSDOLLARS on purchases in the Grocery category (up to $10,000 in purchases during the year – beyond that, the earning rate drops to 1.5%)
  • 2% in BONUSDOLLARS on purchases in the Restaurant category (up to $6,000 in purchases during the year – beyond that, the earning rate drops to 1.5%)
  • 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
  • 1.5% in BONIDOLLARS on your other purchases
Annual Fee
  • Primary card 130 $
  • Additional card 0 $
Annual Income Required
  • Individual 80 000 $
  • Household 150 000 $
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates
Earning Rate
  • Groceries3Points
  • Dining and Food delivery2Points
  • Local Transport2Points
Value
  • Year 1 632 $
  • Year 2+ 632 $
Best For
Transfer Partners
  • Desjardins Bonusdollars

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
5 000 000 $
60 day(s)
Travel medical insurance up to 64 years old
5 000 000 $
31 day(s)
Travel medical insurance 65+
5 000 000 $
15 day(s)
Trip Cancellation Insurance
2 500 $
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
1 000 000 $
Flight Delay Insurance
Delayed Baggage Insurance
500 $
Lost/Stolen Baggage Insurance
1 000 $
Auto Rental Loss/Insurance
85 000 $
48 day(s)
Hotel/Motel Burglary Insurance
  • 4% in BONUSDOLLARS for purchases in the Restaurant, Entertainment, and Public Transit categories
  • 3% in BONUSDOLLARS on purchases in the Travel category (up to $25,000 in purchases during the year – beyond that, the earning rate drops to 1.75%)
  • 3% in BONUSDOLLARS for your purchases in the Grocery category
  • 1.75% in BONIDOLLARS on your other purchases
Annual Fee
  • Primary card 395 $
  • Additional card 95 $
Annual Income Required
  • Individual 150 000 $
  • Household 200 000 $
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 11.9 %
  • Cash Advance Rates 12.9 %
  • Balance Transfer Rates
Earning Rate
  • Dining and Food delivery4Points
  • Entertainment4Points
  • Groceries3Points
Value
  • Year 1 549 $
  • Year 2+ 549 $
Best For
Transfer Partners
  • Desjardins Bonusdollars

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
5 000 000 $
60 day(s)
Travel medical insurance up to 64 years old
5 000 000 $
31 day(s)
Travel medical insurance 65+
5 000 000 $
15 day(s)
Trip Cancellation Insurance
2 500 $
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
1 000 000 $
Flight Delay Insurance
Delayed Baggage Insurance
1 000 $
Lost/Stolen Baggage Insurance
2 500 $
Auto Rental Loss/Insurance
85 000 $
48 day(s)
Hotel/Motel Burglary Insurance
  • 4% cash back on purchases in the Grocery category (up to $10,000 in purchases during the year – beyond that, the earning rate drops to 1%)
  • 3% cash back on purchases in the Restaurant category (up to $6,000 in purchases during the year – beyond that, the earning rate drops to 1%)
  • 3% cash back on purchases in the Entertainment and Public Transit categories
  • 1% cash back on your other purchases
Annual Fee
  • Primary card 100 $
  • Additional card 30 $
Annual Income Required
  • Individual 80 000 $
  • Household 150 000 $
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates
Earning Rate
  • Groceries4%
  • Dining and Food delivery3%
  • Local Transport3%
Value
  • Year 1 322 $
  • Year 2+ 322 $
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
5 000 000 $
3 day(s)
Travel medical insurance up to 64 years old
5 000 000 $
3 day(s)
Travel medical insurance 65+
5 000 000 $
3 day(s)
Trip Cancellation Insurance
500 $
Trip Interruption Insurance
1 000 $
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
500 $
Lost/Stolen Baggage Insurance
500 $
Auto Rental Loss/Insurance
85 000 $
48 day(s)
Hotel/Motel Burglary Insurance
  • 2% cash back on purchases in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year – beyond that, the earning rate drops to 0.5%)
  • 2% cash back on purchases in the Entertainment and Public Transit categories
  • 0.5% cash back on your other purchases
Annual Fee
  • Primary card 0 $
  • Additional card 0 $
Annual Income Required
  • Individual 0 $
  • Household 0 $
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates
Earning Rate
  • Dining and Food delivery2%
  • Local Transport2%
  • Entertainment2%
Value
  • Year 1 203 $
  • Year 2+ 203 $
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
5 000 000 $
3 day(s)
Travel medical insurance up to 64 years old
5 000 000 $
3 day(s)
Travel medical insurance 65+
5 000 000 $
3 day(s)
Trip Cancellation Insurance
500 $
Trip Interruption Insurance
1 000 $
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
500 $
Lost/Stolen Baggage Insurance
500 $
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 2% cash back on purchases in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year – beyond that, the earning rate drops to 0.5%)
  • 2% cash back on purchases in the Entertainment and Public Transit categories
  • 0.5% cash back on your other purchases
Annual Fee
  • Primary card 0 $
  • Additional card 0 $
Annual Income Required
  • Individual 0 $
  • Household 0 $
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates
Earning Rate
  • Dining and Food delivery2%
  • Local Transport2%
  • Entertainment2%
Value
  • Year 1 203 $
  • Year 2+ 203 $
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
5 000 000 $
3 day(s)
Travel medical insurance up to 64 years old
5 000 000 $
3 day(s)
Travel medical insurance 65+
5 000 000 $
3 day(s)
Trip Cancellation Insurance
500 $
Trip Interruption Insurance
1 000 $
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
500 $
Lost/Stolen Baggage Insurance
500 $
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 2% in BONUSDOLLARS for eligible purchases made in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year – beyond that, the earning rate drops to 0.5%)
  • 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
  • 0.5% in BONIDOLLARS on your other purchases
Annual Fee
  • Primary card 0 $
  • Additional card 0 $
Annual Income Required
  • Individual 0 $
  • Household 0 $
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates
Earning Rate
  • Dining and Food delivery2Points
  • Local Transport2Points
  • Entertainment2Points
Value
  • Year 1 203 $
  • Year 2+ 203 $
Best For
Transfer Partners
  • Desjardins Bonusdollars

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
5 000 000 $
3 day(s)
Travel medical insurance up to 64 years old
5 000 000 $
3 day(s)
Travel medical insurance 65+
5 000 000 $
Trip Cancellation Insurance
500 $
Trip Interruption Insurance
1 000 $
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
500 $
Lost/Stolen Baggage Insurance
500 $
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 2% in BONUSDOLLARS on purchases in the Restaurant and Pre-Authorized Payment categories (up to $6,000 in purchases during the year – beyond that, the earning rate drops to 1%)
  • 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
  • 1% in BONUSDOLLARS on your other purchases
Annual Fee
  • Primary card 110 $
  • Additional card 30 $
Annual Income Required
  • Individual 0 $
  • Household 0 $
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates
Earning Rate
  • Dining and Food delivery2Points
  • Local Transport2Points
  • Entertainment2Points
Value
  • Year 1 185 $
  • Year 2+ 185 $
Best For
Transfer Partners
  • Desjardins Bonusdollars

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
5 000 000 $
60 day(s)
Travel medical insurance up to 64 years old
5 000 000 $
31 day(s)
Travel medical insurance 65+
5 000 000 $
15 day(s)
Trip Cancellation Insurance
2 500 $
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
1 000 000 $
Flight Delay Insurance
Delayed Baggage Insurance
500 $
Lost/Stolen Baggage Insurance
1 000 $
Auto Rental Loss/Insurance
85 000 $
48 day(s)
Hotel/Motel Burglary Insurance
  • No annual fee
  • Low-interest
Annual Fee
  • Primary card 0 $
  • Additional card 0 $
Annual Income Required
  • Individual 0 $
  • Household 0 $
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 10.9 %
  • Cash Advance Rates 12.9 %
  • Balance Transfer Rates
Value
  • Year 1 0 $
  • Year 2+ 0 $
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
5 000 000 $
3 day(s)
Travel medical insurance up to 64 years old
5 000 000 $
3 day(s)
Travel medical insurance 65+
5 000 000 $
3 day(s)
Trip Cancellation Insurance
500 $
Trip Interruption Insurance
1 000 $
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
500 $
Lost/Stolen Baggage Insurance
500 $
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Credit card