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How to use the legal warranty

12 min read
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How to use the legal warranty
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More than just a legal term, the legal warranty is a lifeline for many Quebec consumers. When we make a large or small purchase, it’s comforting to know that a law exists to protect consumers against hidden defects and defective products. In this article, we delve into the heart of the legal warranty in Quebec, exploring its definition, specific features and the steps involved in claiming it. We’ll also explore credit card options that come with an extended warranty!

Whether you’re a consumer eager to understand your rights or simply curious better, this guide is for you.

What types of warranties are available for products and services?

When it comes to products and services, different types of warranties provide the consumer with protection against potential defects or problems. Here are the three most common types of warranty:

  • Legal warranty: Protection imposed by law ensuring that the product/service conforms to its description and is free from hidden defects.
  • Conventional (or manufacturer’s) warranty: Voluntarily offered by the seller or manufacturer, it explicitly covers repairs or replacements for a specified period.
  • Additional (or extended) warranty: Optional warranty purchased separately, offering extended or extended coverage beyond the conventional warranty.

The legal warranty ensures that any product purchased or service contracted for is of suitable quality and can be used for the purpose for which it is usually intended. Our first reflex is to buy the manufacturer’s extended warranty. But is it a good idea? Knowing the legal warranty makes you realize this option is far from necessary! We will come back to this later.

The different types of protection

The legal warranty is the protection offered by the OPC (Office de la protection du consommateur) when the manufacturer’s or extended warranty has expired. More precisely, it’s a legal recourse that includes four criteria for the goods you buy:

  1. Conformity to the product’s description at purchase (advertising, packaging, representative statements, etc.)
  2. The product serves its intended purpose.
  3. A « reasonable » lifespan, considering factors such as price, details shared about the asset, terms of use, etc.
  4. Absence of hidden defect

A good example

Fourteen months ago, you treated yourself to the latest smartphone worth $1,350. Then, one fine morning, the device resting on your nightstand suddenly becomes unresponsive.

After contacting your phone company, they redirect you to the manufacturer. To your dismay, the basic warranty expired two months ago! You might think, « Should I have purchased the extended warranty? »

However, another solution awaits – and it won’t cost you a dime: The legal guarantee! You can claim its value given the price you paid and what the manufacturer represented about the product. Now, how do you enforce this legal guarantee? It’s not rocket science, but it’s essential to know how.

The duration of the legal warranty is not explicitly defined by law. Unlike a conventional warranty (such as a manufacturer’s warranty), which has a specific duration, a legal contract lasts as long as expected for the type of product or service in question. The buyer will need to demonstrate that the purchased product didn’t meet the legal warranty even years after purchase. A hidden defect may be discovered later but may have been present at the time of purchase.

No, the law is not the same between Quebec and the rest of Canada regarding the legal warranty. In Canada, each province and territory has its consumer protection legislation.

In Quebec, the legal warranty is defined by the Civil Code of Quebec (CCQ) and the Consumer Protection Act (CPA). The CCQ stipulates that the property must be put to everyday use for a reasonable period. On the other hand, the LPC stipulates that the good must be durable about the price paid, the use and the remainder. It also offers protection against hidden defects.

Although the laws differ in the other Canadian provinces and territories, they all tend to offer some form of consumer protection. In Ontario, for example, the Consumer Protection Act applies.

In Quebec, the seller cannot exclude the legal warranty. The legal warranty automatically covers all goods sold by a retailer.

However, in some circumstances, the seller can sell a product « as is, « meaning without warranty. This is often the case for second-hand goods. But even then, the product must still be fit for its intended use and shouldn’t have undisclosed defects known by the seller.

Suppose a seller tries to sell you a product without a legal warranty. In that case, it might be beneficial to consult with an attorney or the Consumer Protection Office to understand your rights.

Depending on the item, a seller might specify there’s no legal warranty, although they must disclose known defects. Here are scenarios where this might not apply:

  • Estate sale: When a property comes from an estate and the heirs have not lived in the house, they may not be aware of potential problems. Selling these properties without a legal warranty is standard practice to avoid liability for hidden defects.
  • Bank foreclosure: When the bank repossesses a property due to non-payment of a mortgage, it usually sells the property without legal security, as it has no direct knowledge of the house’s condition.
  • Non-resident sellers: If the seller never lived on the property (e.g., an investor), they might sell without a legal warranty to avoid future claims.
  • Lower price: Sometimes, selling without a legal warranty can justify a lower selling price, attracting buyers willing to take the risk in exchange for a reduced price.
  • Avoiding liability: By selling without a legal warranty, the seller minimizes his liability in the event of the discovery of hidden defects or faults after the sale.
  • Properties with known issues: If the seller is aware of significant property issues and doesn’t wish to invest in repairs, they might opt for a sale without a legal warranty to evade potential later disputes.

Although the legal warranty offers robust protection, it is possible to come across exclusions or limits to these, whether complete or partial, which may affect the scope of your rights, hence the importance of fully understanding them before purchasing any goods, whether a house, an appliance or a vehicle. Knowing the nuances of each category is crucial to ensuring that your consumer rights are fully respected.

As a result, the legal warranty does not cover all problems. For example, normal wear and tear of a device or damage caused by misuse will mean the legal warranty cannot be considered.

Yes, in Quebec, the legal warranty applies to a wide variety of goods:

  • Everyday consumer goods: household appliances, electronics, furniture, toys, clothing, etc.
  • Vehicles: cars, motorcycles, boats, bicycles, etc.
  • fixed assets: houses, apartments, land, etc.
  • Repair or maintenance services.

This guarantee is automatic and does not always need to be mentioned, as is the case, for example, in a contract for the sale of a property, but it ensures that the property sold :

  1. It can be used for the purpose for which it was purchased.
  2. It has no hidden defects that could have affected its value or usefulness to such an extent that the buyer would not have purchased the item or paid the asking price had he been aware of it.
  3. Corresponds to the description in the sales contract.

However, there are some exceptions to this rule. For example, suppose the seller is not a real estate professional (i.e. an individual selling his property). In that case, he may be exempt from the warranty of quality in the event of hidden defects if he is unaware of these defects.

Note that this legal warranty differs from the new home warranty, a mandatory warranty offered by the builder of a new home.











Credit cards with extended warranty: yes!

The legal warranty is a right you can be proud of. Ultimately, this is one of the world’s most comprehensive consumer protection systems, making shopping even safer for the consumer!

However, some extended warranties are well worth a closer look! Such is the case with the extended warranty automatically offered by these credit cards. Many credit cards in Canada offer extended warranties that can extend a product’s original warranty. In other words, as soon as you buy one of these, your purchases benefit from a warranty of up to two years in addition to the manufacturer’s warranty.

The most advantageous are as follows:

National Bank Platinum Mastercard®

National BankNBC RewardsFirst-Year Annual Fee Rebate
Annual fee
$0 $70
No annual fee the first year
Our valuation
$430
Milesopedia first-year estimateFirst-year valueWelcome bonus$360Annual fee rebated$70Total$430Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
40,000 points
+ First Year Annual Fee Rebate
Ends Nov 4, 2026
Apply Now

on National Bank's website

Terms of the offer

  • Earn 1 point per dollar
  • Trip interruption / cancellation insurance
  • Flight / Baggage insurance in case of delay
  • Vehicle rental insurance
  • Extended warranty
  • Purchase protection against theft or damage
 
Legal

PLATINUM CARD PROMOTIONAL OFFER Q3-Q4 2026-AGGREGATOR

Length of the welcome promotion
From June 30, 2026 to November 4, 2026.

Eligibility conditions

  • Sign up for a National Bank® Platinum Mastercard® credit card as a primary cardholder during the promotion period.
  • Have not held any National Bank personal Mastercard credit card as a primary cardholder during the past 12 months.
  • Keep the credit card account open and in good standing, in compliance with the Credit Card Agreement, until the annual fee refund and reward points are credited. For example, all minimum payments must be made on time.
  • Not be employed by National Bank of Canada or an entity in its group.

Description of the promotion
Up to 40,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.

Annual fees

The $70 annual fee for the primary cardholder will be refunded for the first year.

We will charge the annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided that your account remains open and in good standing. The refund will appear on your statement as a credit.

Annual fees related to authorized users’ cards are not eligible for this promotion.

Reward points

Points offered Conditions When points are awarded
10,000 Enrollment in credit card payment insurance* for at least the first three months Within two months following the minimum enrollment period
15,000 $2,500 in purchases within the first three months** By the end of the 6th month following enrollment**
15,000 $10,000 in purchases within the first 12 months** By the end of the 15th month following enrollment**

* To apply for payment insurance, you must complete the sections related to the Credit Card Payment Protection Plan (CCPPP) included in the credit card application form.

** The purchase calculation period starts on the date you sign up for the card. For example, if you sign up on July 15, 2026, you have until October 15, 2026 to make the required $2,500 in purchases, and the 15000 points will be credited to your account by the end of January 2027.

How total purchases are calculated

The calculation is based on the total amount of purchases made using all cards linked to the account. Transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan™.

Other conditions

  • This promotion may only be used once per person.
  • Issuance of the card is subject to National Bank of Canada’s credit approval. Other conditions apply to the issuance of the card.
  • Unless otherwise indicated, this promotion cannot be combined with any other National Bank credit card promotion and is not retroactive.
  • This promotion may be modified or withdrawn without notice.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22.49% (regular card) $9.24 $55.45
20.99% (regular card) $8.63 $51.76
13.2% (Syncro card) $5.53 $33.16
9.2% (Syncro card) $3.78 $22.68

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

The National Bank Platinum Mastercard® lets you earn up to 40,000 reward points, plus a refund of the $70 annual fee for the first year for the primary cardholder:

  • 10,000 points when you sign up for credit card payment insurance and keep it for at least the first 3 months
  • 15,000 points after $2,500 in purchases within the first 3 months
  • 15,000 points after $10,000 in purchases within the first 12 months

You have until November 4, 2026 to apply.

After that, you earn:

  • 2 points per dollar on grocery and restaurant purchases
  • 1.5 points per dollar on gas, EV charging, recurring bills and travel booked through the À la carte agency

Since it is a Mastercard, you can use it at Costco. Unlike the other two National Bank travel rewards cards, it does not require a minimum income.

The card includes mobile device insurance, an extended warranty on your purchases, and comprehensive travel insurance for trips of 10 days or less, with emergency medical coverage plus trip cancellation and interruption.

The annual fee is $70, plus $35 per additional card. The annual interest rate is 20.99% on purchases and 22.49% on cash advances.

Annual fee

Primary card$70
Additional card$35

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 2xGroceries
  • 2xRestaurants
  • 1.5xBills & recurring payments
  • 1.5xGas & EV
  • 1.5xTravel
  • 0.67xAll spending

Value

1st Year Value$749
2nd Year Value$209

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 10 days
Travel medical (55-64)Up to $5,000,000 / 10 days
Travel medical (65+)Up to $5,000,000 / 10 days
Trip CancellationUp to $1,000
Trip InterruptionUp to $1,500
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $65,000 / 48 days
Exclusive

National Bank World Elite® Mastercard®

National BankNBC RewardsFirst-Year Annual Fee Rebate
Annual fee
$0 $150
No annual fee the first year
Our valuation
$150
Milesopedia first-year estimateFirst-year valueAnnual fee rebated$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
First Year Annual Fee Rebate
$150 annual fee rebated
Ends Nov 4, 2026
Apply Now

on National Bank's website

With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.

  • Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded as a credit on your statement within five months of opening your account, provided it remains open and in good standing.

The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.

With this card, you earn up to 5 points per dollar on your purchases:

  • 5 points per dollar for groceries and restaurants
  • 2 points per dollar on gas and electric recharge purchases
  • 2 points per dollar on recurring bills
  • 2 points per dollar on À la carte Travel
  • 1 point per dollar for all other purchases

And since it’s an NBC mycredit Mastercard, you can use it at Costco.

With this card, you have access to a $150 annual travel credit that you can use in any of these categories:

  • Airport parking
  • Baggage fees
  • Seat selection
  • Access to airport lounges
  • Airline ticket upgrades

What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.

Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.

Legal

® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.

® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.

® NATIONAL BANK OF CANADA LOUNGE is a registered trademark of National Bank of Canada.

® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.

® Apple Pay is a registered trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

® Google Pay is a registered trademark of Google LLC. Use of this trademark is subject to Google Inc. Permissions.

TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. The À la carte Travel agency is owned by Transat Distribution Canada Inc. and holds a Quebec permit (No. 753141).

TM À LA CARTE REWARDS is a trademark of National Bank of Canada.

® THE TOTAL, THE CONNECTED and NATIONAL BANK are registered trademarks of National Bank of Canada.

* Mastercard® World Elite®

The National Bank® World Elite® Mastercard® credit card was voted best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.

The National Bank® World Elite® Mastercard® credit card was voted best travel credit card by Milesopedia in 2026, 2025 and 2024.

Every year, Milesopedia reviews credit card offers from major financial institutions and establishes its Ranking based on over 150 criteria such as fees, welcome offer, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.

  1. Certain restrictions apply. For more information, see the Rewards Plan section or the Plan Rules applicable to point accumulation.
  2. Grace period:
    No interest is charged on purchases made during the month if the cardholder pays the full balance of their account within twenty-one (21) days of the statement date. This grace period does not apply to cash advances and balance transfers. Minimum payment: if your account balance is less than $10, you must pay the balance in full. If you reside in the province of Quebec, your minimum payment is 5% of your account balance plus any overdue amount, or $10, whichever is greater. If you reside outside Quebec, your minimum payment is 2.5% of the credit card account balance plus any overdue amount, or $10, whichever is greater. Account statement: an account statement is sent monthly.

    Table of examples of credit fees calculated over a 30-day period

    Annual interest rate $500 $3,000
    22.49% $9.24 $55.45
    20.99% $8.63 $51.76
    13.2% $5.53 $33.16
    9.2% $3.78 $22.68

    *Variable interest rate in effect as of September 1, 2021.

  3. Balance transfers and cash advances are subject to National Bank credit approval. Each amount transferred cannot be less than $250.
  4. Exclusive to World Elite Mastercard cardholders. Presentation of the physical credit card and boarding pass is required to access the lounge.
    The National Bank® Lounge is accessible to customers traveling on international flights only (excluding flights to Canada and the United States).
    You benefit from free and unlimited access with one guest and two children aged 12 and under.
    Until October 4, 2026 (date subject to change), customers can enter the National Bank Lounge three hours before their flight departure time. From October 5, 2026 (date subject to change), access will be authorized for a maximum duration of 2 hours (3 hours for customers who hold a Private Banking 1859® World Elite® Mastercard® credit card).
    National Bank customers who are not World Elite ® Mastercard ® cardholders can also access the current lounge based on current rates and benefit from a 25 % discount on these rates :
    63,24 $ taxes included for adults (excluding discount)
    $40.24 taxes included for children aged 2 to 12 (excluding discount)
    free for children under 2 (excluding discount)
    The entry fee is subject to change without notice and is the responsibility of the lounge operator.
  5. Subject to providing the required supporting documents in the manner and within the prescribed timeframe. Certain conditions may apply. Only the primary cardholder of a National Bank World Elite Mastercard (Cardholder) whose account is in good standing can request a « Travel Fee Reimbursement ». « Account in good standing » means an account linked to the credit card that does not violate the Credit Card Agreement in any way and on which no restrictions apply. For example, and without limitation, the associated annual fees must have been paid in full. The maximum reimbursement of $150 can be requested from January 1 to December 31 of each year.
    Eligible expenses are:
    airport parking
    baggage fees
    seat selection
    airport lounge access worldwide
    airline ticket upgrades
    A reimbursement request must be made within 60 days of the purchase date. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement of $150 is applicable per account. Please allow up to 7 business days for the reimbursement to be processed from the date your request is submitted. National Bank reserves the right to request additional supporting documents for validation purposes (e.g., invoices). You must keep all receipts and supporting documents for a period of 12 months from the date you made your reimbursement request. An unused reimbursement in one year cannot be carried over to the next year. You can make your request online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) for an agent to assist you with your travel fee reimbursement request.
  6. Point accumulation on grocery and restaurant spending depends on the total gross monthly amount charged to the credit card account, across all categories. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. The 5 points per dollar accumulation is valid for the first $2,500 of gross monthly purchases charged to the account. Beyond this amount, eligible grocery and restaurant spending will earn 2 points per dollar. The calculation of the gross monthly purchase amount is based on monthly billing. A grocery purchase means a purchase made at a merchant whose primary business is selling food, such as a grocery store, delicatessen, supermarket, fruit store, or specialty food store. Meal kit subscriptions and meal delivery services are eligible. Therefore, this definition excludes, among others, retail stores and big-box stores whose primary business is selling non-food items. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. A restaurant purchase means a purchase made at a restaurant, including quick-service restaurants, bars, discotheques, nightclubs, and taverns. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
  7. These protections apply if the purchases or rental are paid for in part with the card before departure, except, if applicable, for out-of-province medical-hospital insurance for which it is not necessary to charge the purchase of an à la carte trip and for baggage delay protection where the full cost of transport must have been charged to the card. All these protections apply to the primary cardholder, their spouse and/or their dependent children when they (spouse and dependent children) travel with the cardholder. Extended warranties apply to most new items purchased with the card, in Canada or abroad, provided the manufacturer’s warranty exists and is valid in Canada. Certain conditions, limitations and restrictions apply. For more information and details regarding your insurance coverage, please consult the insurance certificate linked to your card.
  8. Subject to credit approval by National Bank.
  9. Certain conditions apply. Visit mastercard.ca for more information. See all credit card terms and conditions.
  10. To earn 2 points per dollar spent, you must pay for your gas or electric charging purchases at a gas station or certain big-box stores. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
  11. Recurring bill payments are defined as payments made monthly or regularly that are automatically charged by the merchant to your National Bank World Elite Mastercard. Not all merchants offer recurring payments, and not all recurring payments are considered recurring bill payments. Therefore, some payments may not qualify for accelerated reward points.
  12. To earn 2 points per dollar spent, you must pay for your eligible purchases through the À la carte TravelTM agency section of our À la carte RewardsTM site.
  13. For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 spent will generate 2,750 points, broken down as follows: 2,000 points for grocery spending (since the total gross monthly amount is $850, which is less than $2,500), 400 points for gas spending, 200 points for recurring bills and 150 points for other purchases.
  14. Insurance up to $1,000 in case of breakage, loss or theft of mobile devices for a maximum period of 2 years following the date of purchase. Subject to purchasing the device with the National Bank World Elite Mastercard or a phone service subscription paid by recurring payments from your National Bank Platinum Mastercard starting September 1, 2022. For all conditions, please consult the insurance certificate linked to your card.

Annual fee

Primary card$150
Additional card$50

Annual income required

Individual$80,000
Household$150,000

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGroceries
  • 2xTravel
  • 2xBills & recurring payments
  • 2xGas & EV
  • 1xAll spending

Value

1st Year Value$778
2nd Year Value$923

Card benefits

Airport lounge access$400
Travel creditsIncluded

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 60 days
Travel medical (55-64)Up to $5,000,000 / 31 days
Travel medical (65+)Up to $5,000,000 / 15 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Travel AccidentIncluded

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental CollisionUp to $65,000 / 48 days

National Bank World® Mastercard®

National BankNBC Rewards
Annual fee
$115
Welcome offer
No current welcome offer
Apply Now

on National Bank's website

Terms of the offer

  • Earn up to 2 points per dollar
  • Comprehensive travel insurance
  • Out-of-province-of-residence medical/hospital insurance
  • Trip interruption / cancellation insurance
  • Flight / Baggage insurance in case of delay
  • Vehicle rental insurance
  • Extended warranty
  • Purchase protection against theft or damage
  • 24/7 concierge service
 
Legal

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22.49% (regular card) $9.24 $55.45
20.99% (regular card) $8.63 $51.76
13.2% (Syncro card) $5.53 $33.16
9.2% (Syncro card) $3.78 $22.68

*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Don’t have the minimum income required by National Bank World Elite Mastercard? Then National Bank World® Mastercard® may be a good option for you. This requires a $50,000 individual income (or $80,000 household income).

You can earn up to 2 points per dollar on your purchases. And since it’s a Mastercard credit card, you can use it at Costco.

In addition, you can enjoy access to LoungeKey airport lounges.

And you’ll enjoy up to 60 days’ coverage with its travel, trip cancellation/interruption, baggage loss and car rental insurance.

Annual fee

Primary card$115
Additional card$35

Annual income required

Individual$50,000
Household$80,000

Conversion fees

2.5%

Earning rate

  • 1.25xAll spending

Value

1st Year Value$189
2nd Year Value$155

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 60 days
Travel medical (55-64)Up to $5,000,000 / 31 days
Travel medical (65+)Up to $5,000,000 / 15 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+2 years
Auto Rental CollisionUp to $65,000 / 48 days
Featured

TD® Aeroplan® Visa Infinite* Card

TDAeroplanFirst-Year Annual Fee Rebate
Annual fee
$0 $139
No annual fee the first year
Our valuation
$1,139
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 50,000 points
+ First Year Annual Fee Rebate
Apply Now

on TD's website

With this offer for the TD® Aeroplan® Visa Infinite* Card, you can get up to 50,000 Aeroplan points† as well as an Annual Fee rebate for the first year†.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
  • Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening†.
  • Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†

This card also allows you to enjoy travel benefits, such as a free first checked bag for you and up to 8 travel companions on the same reservation†, as well as a rebate on the NEXUS program application fee (up to $100 CAD per eligible cardholder) every 48 months†.

With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points† per $1 spent on:

  • Grocery purchases
  • Gas and electric vehicle charging purchases
  • Purchases made directly with Air Canada® (including Air Canada Vacations®)

You also earn 1 point† per dollar on all other eligible purchases made with your card.

Legal

†Terms and conditions apply.

Annual fee

Primary card$139
Additional card$75

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 1.5xGas & EV
  • 1.5xGroceries
  • 1.5xAir Canada flights
  • 1xAll spending

Value

1st Year Value$1,714
2nd Year Value$425

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 21 days
Travel medical (55-64)Up to $2,000,000 / 21 days
Travel medical (65+)Up to $2,000,000 / 4 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days

The legal warranty and the warranty against hidden defects are two distinct concepts that are sometimes confused because of their similarities. However, they have different implications and applications.

The legal warranty is an automatic protection for consumers when purchasing a good or service. It ensures that the product or service functions correctly is durable for a reasonable period and corresponds to the description given by the seller.
It requires no specific mention in the sales contract and applies automatically unless explicitly excluded (in some jurisdictions, it may be illegal to exclude the legal warranty).
It generally applies to apparent defects and problems that arise during a given period after purchase.

Warranty against hidden defects

The warranty against hidden defects covers defects not apparent at the time of purchase but present at the time of the transaction. These hidden defects render the good unfit for its intended use, or so diminish its usefulness that the buyer would not have purchased it, or would have paid a lower price, had he been aware of them.
This warranty applies even if the seller was unaware of the hidden defect. However, if the seller was aware of this and did not disclose it, there may be additional legal implications.

So what prevails?

If a defect is discovered after purchase, and it is determined to be a latent defect present at the time of sale, then the warranty against latent defects will prevail. The consumer may request repair, replacement or cancellation of the sale, depending on the seriousness of the defect.

The legal warranty applies if the defect is apparent, occurs shortly after purchase and is not hidden. The consumer may benefit from repair, replacement or price reduction.

In all cases, it’s essential to document the problem and consult local laws to understand your rights as a consumer.

After a few attempts at resuscitation, nothing could be done. Your device really has given up the ghost. No choice but to buy a new phone, and fast.

All is not lost here. Asserting your legal warranty can be complex, requiring a thorough knowledge of your rights. Consumers need to know the steps to take, the organizations to contact and how to dispute if the warranty is not honoured. It only takes a few steps on your part, and for the price, it’s often well worth it!

To do so, first contact the retailer or manufacturer, before filing a complaint with the Office de la protection du consommateur. You can do so by phone, in writing or in person. When you contact the retailer or manufacturer, you must explain the problem you are experiencing with the product. You must also provide proof of purchase, such as an invoice or receipt.

The dealer or manufacturer must respond within a reasonable time. If he agrees to reimburse, repair or replace the good, he must provide you with an estimate or a repair or replacement date. For example, you can claim the value of your old phone under the legal warranty. In general, it can take several months to conclude.

In the event of a dispute or difficulty in speaking with the dealer or manufacturer, consult the Office for advice. If negotiation is not an option, you can opt for a formal notice or a complaint.

What if there were other solutions to guarantee your assets for longer? This is the case with extended warranty credit cards. Here’s a solution that could save you a lot of headaches.

What to do about hidden defects?

When you discover a hidden defect, it’s essential to act quickly and appropriately to assert your rights. Here are the steps to follow if you find yourself in this situation:

Document the hidden defect

Take clear photos or videos of the defect.
Keep all documents related to the purchase, such as the invoice, sales contract, e-mail correspondence or any other relevant document.

Inform the seller

Contact the seller or manufacturer as soon as you discover the hidden defect to inform them of the situation. It’s best to do this in writing (registered letter, e-mail) to keep a record of the communication.
Describe the problem in detail and indicate what you expect (repair, replacement, refund).

Give the seller a reasonable deadline

Give the seller a chance to remedy the situation. He can choose to repair, replace or refund the item.

Consult an expert, if necessary

If the seller disputes the latent defect, or if it’s difficult to determine the cause of the problem, you may need a professional appraisal. This expert will assess the defect and determine whether it is a hidden one.

Think about mediation

If the seller refuses to act, or if you cannot reach an agreement, consider mediation. This approach enables an amicable solution to be found with the help of a neutral mediator.

If all previous attempts fail, you may want to consider taking legal action. Depending on the value of the dispute, this could take place in Small Claims Court or another legal forum.

Find out about your local rights

Laws concerning latent defects may vary by province or territory. In Quebec, for example, the legal warranty against hidden defects is enshrined in the Civil Code of Quebec. Make sure you know your specific rights in your jurisdiction.

Consult a lawyer

If the situation proves complex or you decide to take legal action, it may be wise to consult a lawyer specializing in consumer law.

Remember that a hidden defect is one that was not apparent at the time of purchase and which renders the item unfit for its intended use or so diminishes its usefulness that the buyer would not have purchased it or would not have paid the asking price, had they been aware of it.

  • Keep all documents relating to your purchase, such as the invoice or receipt. This will enable you to prove that you have purchased the item and that the legal warranty covers it.
  • Inform the dealer or manufacturer of the problem as soon as possible. The faster you act, the easier it will be to get a refund, exchange or simply solve the problem.
  • Be polite when contacting the dealer or manufacturer. This will help you achieve a better result and make negotiations easier.

Here are some examples of when you can invoke the legal warranty:

  • You buy a TV that turns on and off at random.
  • You buy a laptop that won’t boot.
  • You buy a car with an oil leak.
  • You buy a piece of furniture that is broken.
  • You buy a garment that tears in the first wash.

Bottom Line

The legal warranty is more than just a legal term; it’s a solid protection for every Quebec consumer. Understanding it and knowing how to use it is essential to guarantee safe purchases.

What is the minimum legal warranty in Quebec?

In Quebec (Canada), the Consumer Protection Act stipulates that goods purchased must have a reasonable life, but no fixed duration is specified. This depends on the nature of the good, its price, the terms of the contract and the conditions of use.

Can you sell without a legal warranty?

In Canada, particularly in Quebec, it is possible to sell a property « without legal warranty, » which means that the property is sold « as is, « and the buyer assumes all risks associated with any hidden defects or other problems that may arise after purchase. However, the words « without legal warranty » must be clearly stated in the sales contract.

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Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 2xAll spending

Value

1st Year Value$1,437
2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

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