Offer
Offer
- Welcome offer: Get 5% cash back in your first 3 months¹
- Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!²a,²b,²c,²d
- Now earn the highest cash back on groceries in Canada without paying an annual fee!†
- Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred⁶
- No annual fee³.
- FREE additional cards
- Extended Warranty⁵
- Purchasing Protection⁵
Fees & Conditions
Personal Income
$15,000
Household Income
$15,000
Annual Fee
$0
First Additional Card
$0
Foreign Transaction Fee
2.5%
Purchase Rates
19.99%
Cash Advance Rates
22.99%
Balance Transfer Rates
19.99%
Cash Advance Rate (QC)
21.99%
Balance Transfer
Balance Transfer Intro Duration
9 month(s)
Balance Transfer - Promotional Rate
1.99%
Value
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Accumulated rewards
Annual fee
Net value
Advantages
Welcome Bonus amount
Up to $100 cash back
Minimum Spending Required
$1,000
Minimum Spending Timeframe (Months)
3 month(s)
Costco
Earnings
Per dollar of purchases
All Spending
0.5 %
Groceries
3 %
Gas
0.5 %
Dining and Food delivery
0.5 %
Convenience Stores
0.5 %
Drugstores
0.5 %
Local Transport
0.5 %
Travel
0.5 %
Entertainment
0.5 %
Recurring Payments
1 %
Telecom/Internet
0.5 %
Streaming services
0.5 %
Online transactions
0.5 %
Office Supplies
0.5 %
Insurance
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
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
$60,000
90 day(s)
Mobile Device Insurance
Price Protection
Legal
Legal
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