Reward Type: Low rate

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 13.99 %
  • Balance Transfer Rates 12.49 %
Earning Rate
  • All Spending0.00%
  • Groceries0.00%
  • Gas0.00%
Value
  • Year 1 $70
  • 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
  • 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 Spending0.00Point
  • Groceries0.00Point
  • Gas0.00Point
Value
  • Year 1 $0
  • Year 2+ $0
Best For
Transfer Partners
  • RBC Avion Rewards - Premium

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
  • 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
  • Guaranteed approval credit card
  • How to establish or repair your credit.
Annual Fee
  • Primary card $59
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates 21.9 %
Value
  • Year 1 $-59
  • Year 2+ $-59
Best For

Advantages

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

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$250,000
Flight Delay Insurance
Delayed Baggage Insurance
$100
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
31 day(s)
Hotel/Motel Burglary Insurance
  • Guaranteed approval credit card
  • 14.9% annual interest rate on purchases and balance transfers.
Annual Fee
  • Primary card $79
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 14.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates 14.9 %
Value
  • Year 1 $-79
  • Year 2+ $-79
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
$250,000
Flight Delay Insurance
Delayed Baggage Insurance
$100
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
31 day(s)
Hotel/Motel Burglary Insurance
  • Guaranteed approval credit card
  • How to establish or repair your credit.
Annual Fee
  • Primary card $59
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.9 %
  • Cash Advance Rates 21.9 %
  • Balance Transfer Rates 21.9 %
Value
  • Year 1 $-59
  • Year 2+ $-59
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
$250,000
Flight Delay Insurance
Delayed Baggage Insurance
$100
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
31 day(s)
Hotel/Motel Burglary Insurance

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