Fees & Conditions
Personal Income
$60,000
Household Income
$100,000
Foreign Transaction Fee
2.5%
Purchase Rates
20.97%
Cash Advance Rates
22.97%
Advantages
Rewards Type
Cash Back
Transfer Partners
Optimum
Loyalty Program
Optimum
All Spending
10
Travel
10
Local Transport
10
Dining and Food delivery
10
Groceries
20
Convenience Stores
10
Drugstores
35
Office Supplies
10
Telecom/Internet
10
Entertainment
10
Online transactions
10
AIR MILES partners
10
Air Canada
10
Streaming services
10
Recurring Payments
10
Costco
Insurance
Purchase Protection