Network: Visa

No annual fee for the second year.

We'll refund the $30 annual fee for the second year when you spend $8,000 within the first year after activating the card.

Earn up to $100 in points

In the first 6 months, you’ll earn 10,000 bonus points when you spend $4,000 in net purchases.

Get up to 8,000 bonus points.

Here’s how you can earn more points:

  • 2,000 bonus points worth $20 when you make your first net purchase with your card in the first 3 months;
  • 2,000 bonus points worth $20 when you set up a pre-authorized payment within the first 6 months;
  • 2,000 bonus points worth $20 when you refer a friend or family member; and
  • 2,000 bonus points worth $20 when you sign up for Assur-Payment™ within the first 6 months.

Transfer and save

Transfer your credit card balance and get 0.99% interest for 6 months.

Annual Fee
  • Primary card $30
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 12.49 %
  • Cash Advance Rates 12.49 %
  • Balance Transfer Rates 12.49 %
Earning Rate
  • All Spending0.00%
  • Groceries0.00%
  • Gas0.00%
Value
  • Year 1 $-10
  • Year 2+ $-30
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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

Use it to earn it

  • 2 points on Gas, Grocery, Travel and Transportation
  • 2 points on Recurring Payments
  • 1 point on everything else

Earn up to $140 in points

  • Earn 10,000 bonus points, valued at $100, when you spend $1,500 in the first three months.
  • Earn 2,000 bonus points, valued at $20, when you set up a pre-authorized payment within the first three months.
  • Earn 2,000 bonus points, valued at $20, for each friend or family member you refer.
Annual Fee
  • Primary card $130
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Local Transport2%
Value
  • Year 1 $367
  • Year 2+ $247
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,000
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Use it to earn it

  • 2% cash back on Gas and Grocery
  • 2% cash back on Recurring Payments
  • 1% cash back on Everything Else

Up to $80 cash back as a welcome bonus:

  • $50 cash back when you spend $1,000 in the first three months
  • $10 cash back when you set up a pre-authorized payment within the first three months
  • $20 cash back for each friend or family member you refer
Annual Fee
  • Primary card $65
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Recurring Payments2%
Value
  • Year 1 $355
  • Year 2+ $295
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
  • Benefit from a low variable interest rate
  • Pay no annual fee
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • All Spending0.00Avion Point
  • Groceries0.00Avion Point
  • Gas0.00Avion Point
Value
  • Year 1 $0
  • Year 2+ $0
Best For
Transfer Partners
  • RBC Avion Rewards - Distinction

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
  • Earn 1 RBC Rewards point for every dollar you spend
  • Trade in US dollars - avoid daily currency fluctuations
Annual Fee
  • Primary card $65
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates
Earning Rate
  • All Spending1Avion Point
  • Groceries1Avion Point
  • Gas1Avion Point
Value
  • Year 1 $175
  • Year 2+ $175
Best For
Transfer Partners
  • RBC Avion Rewards - Distinction

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
$2,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
Make payments or withdrawals and get account updates day and night online, using your smartphone or tablet, or at an ATM. Or manage your card online whenever you like - pay bills, transfer funds, check transactions and much more.
Annual Fee
  • Primary card $12
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates
Value
  • Year 1 $-12
  • Year 2+ $-12
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
  • Earn 1 RBC Rewards point for every $2 in net purchases charged to your card
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Value
  • Year 1 $0
  • Year 2+ $0
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
  • Take advantage of emergency travel assistance
  • Pay no annual fee
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates
Earning Rate
  • All Spending0.00Avion Point
  • Groceries0.00Avion Point
  • Gas0.00Avion Point
Value
  • Year 1 $0
  • Year 2+ $0
Best For
Transfer Partners
  • RBC Avion Rewards - Distinction

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • No annual fee
  • Low-interest
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 10.9 %
  • Cash Advance Rates 12.9 %
  • Balance Transfer Rates
Value
  • Year 1 $0
  • Year 2+ $0
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
3 day(s)
Travel medical insurance up to 64 years old
$5,000,000
3 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$500
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 2% in BONUSDOLLARS on purchases in the Restaurant, Travel and Pre-Authorized Payment categories (up to $6,000 in purchases per year - beyond that, the accumulation rate drops to 0.65%)
  • 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
  • 0.65% in BONUSDOLLARS for your other purchases
Annual Fee
  • Primary card $110
  • Additional card $30
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates
Earning Rate
  • Dining and Food delivery2%
  • Local Transport2%
  • Travel2%
Value
  • Year 1 $185
  • Year 2+ $185
Best For
Transfer Partners
  • Desjardins Bonusdollars

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$1,000,000
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
  • Earn 20,000 Aventura Points the first time you make a purchase
  • Earn 5,000 Aventura Bonus Points
  • Earn an additional 35,000 Aventura Points for spending at least $65,000 in the first year
Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $35,000
  • Household $35,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 21.99 %
  • Balance Transfer Rates
Earning Rate
  • Travel1.5Aventura Points
  • Air Canada1.5Aventura Points
  • All Spending1Aventura Point
Value
  • Year 1 $898
  • Year 2+ $178
Best For
Transfer Partners
  • CIBC Aventura

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500

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