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  • Earn 3% in CT Money when you buy groceries (on the first $12,000 per year; excluding Costco and Walmart stores
  • Get 4% on eligible purchases at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores
  • Get 7¢ in CT Money on a liter of premium gasoline, and 5¢ per liter on other types of fuel at participating Gas+, Gas+ and Husky gas bars
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates
Milesopedia Links
Earning Rate
  • Groceries3CT Money
  • All Spending0.8CT Money
  • Gas0.8CT Money
Value
  • Year 1 $298
  • Year 2+ $298
Best For
Transfer Partners
  • Canadian Tire Triangle

Advantages

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

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Earn 1.5% in CT Money when you buy groceries (on the first $12,000 per year; excluding Costco and Walmart stores
  • Get 4% on eligible purchases at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores
  • Get 5¢ per liter in CT Money at participating Husky gas bars, Gas+ and Gas+ stations every time you fill up
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates
Earning Rate
  • Groceries1.5CT Money
  • All Spending0.8CT Money
  • Gas0.8CT Money
Value
  • Year 1 $226
  • Year 2+ $226
Best For
Transfer Partners
  • Canadian Tire Triangle

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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Credit card