Offer
Offer
- No annual fee in the first year, including on supplementary cards.1
- 4%on eligible recurring bill payments and grocery store purchases
- 2% on eligible gas station and daily transit purchases
- 1% cash back on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Visa Infinite Music Series
- Wine Country Wonders
- Luxury Hotel Privileges
- Comprehensive Travel Insurance & New Mobile Device Insurance coverage
- Rates, fees and other information are effective as of March 1, 2021. Subject to change.
Fees & Conditions
Personal Income
$60,000
Household Income
$100,000
Annual Fee
$120
First Year Annual Fee Rebate
First Additional Card
$50
First Year Annual Fee Rebate - First Additional Card
Other Additional Card
$50
Foreign Transaction Fee
2.5%
Purchase Rates
19.99%
Cash Advance Rates
22.99%
Advantages
Offer ends on
Nov 21, 2021
Welcome Bonus
Up to $200 cash back
Rewards Type
Cash Back
Transfer Partners
Cashback
Loyalty Program
Cashback
All Spending
1
Local Transport
2
Groceries
4
Gas
2
Online transactions
1
AIR MILES partners
1
Air Canada
1
Streaming services
1
Recurring Payments
4
Concierge
Value
Value
We estimate the value of the welcome offer during the first year for all the credit card offers. Are taken into consideration:
- The value of cash back or points earned
- The value of the benefits or credits earned with the Card
- The annual fee value (offered or not)
| Calculation of the offer value in the first year |
|
| Value per point | 1.0 ¢ |
| Welcome bonus | up to $200 |
| Annual fee | $0 |
| Value | $200 |
Insurance
Common Carrier Travel Accident Insurance Amount
$500,000
Flight Delay Insurance Amount
$500
Delayed Baggage Amount
$500
Lost/Stolen Baggage Insurance Amount
$500
Trip Interruption Insurance Amount Per Person
$2,000
Travel medical insurance up to 64 years old
Travel medical insurance up to 64 years old - Duration
15 day(s)
Auto Rental Loss/Insurance - Amount MSPP
$65,000
Purchase Protection - Amount
$500
Purchase Protection - Duration
90 day(s)
Medical Travel Insurance
Extended Warranty
Extended Warranty - Duration
1 year(s)
Legal
Legal
Conditions and Description of Annual Fee Waiver Offer: We will waive the initial annual fee for the Primary Card and Supplementary Cards for the first year only.
Rates and Fees: The current annual fee is $120 for the primary card and $50 for each additional supplementary card. The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.