Offer
Use it to earn it
- 1 point on Gas and Grocery
- 1 point on Recurring Payments
- 0.5 point on everything else
Earn up to $90 in points
- In the first 3 months, you’ll get 3x the points equal to 3% in cash back on gas, grocery and recurring payments. You’ll also earn 2x the points equal to 1% in cash back on all other eligible purchases up to a total combined spend of $3,000.
Get up to 19,000 bonus points
- Here’s how you can earn more points:
- 5,000 bonus points worth $50 when you make your first purchase;
- 5,000 bonus points worth $50 when you add an authorized user;
- 5,000 bonus points worth $50 when you set up a pre-authorized payment within the first 3 months;
- 2,000 bonus points worth $20 when you set up an instalment plan for 1 eligible purchase within the first 3 months; and
- 2,000 bonus points worth $20 when you refer a friend or family member
Fees & Conditions
Personal Income
$0
Household Income
$0
Annual Fee
$0
First Additional Card
$0
Foreign Transaction Fee
2.5%
Purchase Rates
20.99%
Cash Advance Rates
22.99%
Balance Transfer Rates
21.99%
Value
Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value
Advantages
Welcome Bonus amount
Up to $90 in points
Minimum Spending Required
$3,000
Minimum Spending Timeframe (Months)
3 month(s)
Earnings
Per dollar of purchases
All Spending
0.5 %
Groceries
1 %
Gas
1 %
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
90 day(s)
Mobile Device Insurance
Price Protection