Reward Type: Travel Rewards

Earn up to $500 in value including up to 20,000 Aeroplan points and no annual fee for the first year. Conditions apply. Account must be approved by January 6, 2025.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card
  • Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening
  • Get an annual fee rebate for the first year

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.

  • Earn 1 point for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
  • Earn 1 point for every $1.50 spent on all other eligible purchases† made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder
  • Earn Aeroplan Points on your everyday purchases
  • Redeem your points for travel and more.
  • Take advantage of an extensive suite of travel insurance.
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Terms and conditions apply.

Annual Fee
  • Primary card $89
  • Additional card $35
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
    20.99 % (QC)
  • Cash Advance Rates 22.99 %
    20.99 % (QC)
  • Balance Transfer Rates 22.99 %
    20.99 % (QC)
Earning Rate
  • Groceries1Aeroplan Point
  • Gas1Aeroplan Point
  • Air Canada1Aeroplan Point
Value
  • Year 1 $866
  • Year 2+ $288
Best For
Transfer Partners
  • Aeroplan

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
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Earn Asia Miles on your purchases
  • Accepted at Costco
  • 10% discount on Cathay Pacific flights
Learn More

Welcome Offer

  • Earn up to 27,000 Asia Miles and 10% discount on flights

Features of the Cathay World Elite® Mastercard® – powered by Neo:

  • 2 Asia Miles for every $1 spent on purchases made in foreign currencies
  • 2 Asia Miles for every $1 spent on Cathay Pacific flights
  • 5 Asia Miles for every $1 spent at thousands of Neo partners nationwide
  • 1 Asia Miles for every $1 spent on purchases in Canada
  • Get exclusive member benefits: priority online check-in, extra baggage allowance and redeemable access to Cathay Pacific’s business class lounge.
  • Travel with peace of mind thanks to insurance covering emergencies, cancellations, lost luggage and much more.
  • Access to over 1,300 airport lounges worldwide
  • Book professional, punctual airport transportation with Mastercard’s airport transfer option
  • Bypass security lines with Mastercard’s Fast Track airport security service
Annual Fee
  • Primary card $180
  • Additional card
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • All Spending1miles
  • Groceries1miles
  • Gas1miles
Value
  • Year 1 $630
  • Year 2+ $180
Best For
Transfer Partners
  • Asia Miles

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
$1,000,000
14 day(s)
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
$250
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • Transfer your points to airline partners
  • Premium Insurance
  • Visa Infinite Benefits
Learn More
Best Credit Card For Flexible Travel Rewards In 2024

Earn 35,000 membership bonus points upon approval and 20,000 bonus points when you charge $5,000 to the card within six months of approval**. Apply by November 25, 2024

  • Apply online and get a response in as little as 60 seconds.
  • Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
  • Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
  • Avioners earn points that never expire so your points will be waiting for your next adventure.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible Avion rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
  • Link your RBC card with a Petro-Points membership to instantly save per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Get access to RBC offers which provides access to earn points faster at specified brands
  • Avioners no longer need 14-days to book travel using the RBC grid
  • Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.

Get $0 delivery fees for 12 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:

  • Get a 12-month complimentary DashPass subscription± – a value of almost $120
  • Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
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Refer to RBC page for up to date offer terms and conditions

This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) received between “August 28, 2024” and “November 25, 2024” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.

A total of 35,000 Avion Membership Rewards points (“Membership Rewards points”) will appear on your monthly credit card statement within sixty (60) days of your application being approved, provided your eligible credit card account is open and in good standing at the time the Membership Rewards points are credited to your account, where “in good standing” means that the account is not more than two (2) consecutive statement periods past due, closed or written off, and credit has not been revoked.

You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Credit Card account remains open and in good standing at the time the Bonus Points are credited to your account.

† Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 Avion points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

Annual Fee
  • Primary card $120
  • 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 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Travel1.25Avion Points
  • All Spending1Avion Point
  • Groceries1Avion Point
Value
  • Year 1 $1,151
  • Year 2+ $271
Best For
Transfer Partners
  • Asia MilesBritish Airways Executive ClubRBC Avion Rewards - PremiumRBC Avion Rewards - EliteWestJet Rewards

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
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
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
American Express® Business Gold Rewards Card
Business Card
  • 10,000 points Quarterly bonus after qualifying purchases
  • Use your points as a statement credit on any purchase
  • Transfer your points to airline and hotel partners
Learn More

Earn 40,000 bonus Membership Rewards® points.

  • Earn a welcome bonus of 40,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Card membership.
  • Plus, earn 10,000 bonus points for each calendar quarter when you spend $20,000 or more. That could add up to $400 in value every year.
  • That’s $400 in statement credits that you can be reinvestedf in your business.

Earn points that you can redeem in a variety of ways.

  • Earn 1 Membership Rewards® point for every dollar in purchases charged to the Card and get the most out of your business expenses.
  • Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.

Unlock business possibilities with a full suite of business management tools that give you more control over your business – anytime and anywhere

  • Take advantage of purchasing power that grows with your business with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
  • Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
  • Pay for business expenses over time with Flexible Payment Option
  • This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 21.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account..

Access comprehensive insurance coverage for your travel needs.

  • Access Travel Emergency Assistance, and up to $100,000 Travel Accident Insurance when you fully charge your tickets to your Business Gold Rewards Card.
  • Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Gold Rewards Card.
  • Save money when travelling with complimentary Car Rental Theft and Damage Insurance

Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Gold Rewards Card.

  • Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan
  • Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan

Access to coverage for mobile devices purchased for business use.

  • Access Mobile Device Insurance of up to $1,000 in the event of theft, loss or accidental damage, anywhere in the world, when you fully charge or finance the purchase price of an eligible mobile device on your Business Gold Rewards Card.
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American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.

Earning Rate
  • All Spending1Membership Rewards
  • Groceries1Membership Rewards
  • Gas1Membership Rewards
Value
  • Year 1 $889
  • Year 2+ $209
Best For
Transfer Partners
  • AeroplanAsia MilesBritish Airways Executive ClubMarriott BonvoyMembership Rewards American Express

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
$100,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$500
  • No minimum income required
  • Purchase Insurance
  • Accepted at Costco
Learn More
Best Credit Card For Young Professionals In 2024
  • Earn up to 2 points per dollar spent on certain purchase categories*.
  • Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 10 days
  • Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Flight and baggage delay insurance
  • Car rental insurance
  • Purchase insurance against theft or damage
  • Extended warranty
  • Mobile devices insurance against theft or damages for a period of up to 2 years
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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 will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

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 % 9,24 $ 55,45 $
20,99 % 8,63 $ 51,76 $
12,9 % 5,30 $ 31,81 $
8,9 % 3,66 $ 21,95 $

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

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

Annual Fee
  • Primary card $70
  • Additional card $35
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Groceries2Points
  • Dining and Food delivery2Points
  • Gas1.5Points
Value
  • Year 1 $209
  • Year 2+ $209
Best For
Transfer Partners
  • NBC Awards

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
10 day(s)
Travel medical insurance up to 64 years old
$5,000,000
10 day(s)
Travel medical insurance 65+
$5,000,000
10 day(s)
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • Welcome bonus of 10,000 Miles
  • Validity of Miles extended by 2 years with each purchase
  • Supplementary travel and cancellation insurance
  • Earn at least 1.5 Miles for each € spent
  • No predetermined spending limit
  • Purchase protection, money back guarantee, fraud protection guarantee
  • Receive annual bonus of 60 XP
  • Earn 2 Miles per € spent with Air France, KLM and Hertz
  • Receive 1 free additional Platinum card and 4 free Gold cards
  • Earn Miles for purchases made with the additional cards
  • Fly now Pay later: Purchase your AIR FRANCE and KLM tickets in 3 instalments without any additional costs
  • American Express is independent from any bank, so you can link your American Express Card to any Dutch bank account
  • Share&Fly®: Share Miles for free and save faster for your next ticket
  • Platinum for 2: Share and enjoy your Flying Blue Platinum level benefits with another person
  • Enjoy the American Express Platinum Lifestyle service
Annual Fee
  • Primary card $660
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • All Spendingmiles
  • Groceriesmiles
  • Gasmiles
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Flying Blue

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
rbc-avion-visa-infinite-business-card
Business Card
  • Transfer your points to airline partners
  • Visa Infinite Benefits
Learn More
  • Get 35,000 bonus points + first year annual fee waived upon approval
  • Earn 1.25 RBC Rewards points for every dollar in net purchases spent on your card, up to $75,000 per year
  • Enjoy access to over 1,200 airport lounges worldwide with a Priority Pass membership
Annual Fee
  • Primary card $175
  • Additional card $75
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates
Earning Rate
  • All Spending1.25Avion Points
  • Groceries1.25Avion Points
  • Gas1.25Avion Points
Value
  • Year 1 $865
  • Year 2+ $305
Best For
Transfer Partners
  • RBC Avion Rewards - PremiumRBC Avion Rewards - Elite

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
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
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
$2,500
RBC Avion Visa Business Card
Business Card
Learn More
  • Enjoy 20,000 welcome points upon enrollment
Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates
Earning Rate
  • All Spending1Avion Point
  • Groceries1Avion Point
  • Gas1Avion Point
Value
  • Year 1 $584
  • Year 2+ $264
Best For
Transfer Partners
  • RBC Avion Rewards - PremiumRBC Avion Rewards - Elite

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
$1,500
Trip Interruption Insurance
$5,000
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
$2,500
  • Earn up to 5,000 bonus Scene+ points within your first 3 months (that’s up to $50 towards travel).
  • Earn 3x Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 2x Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
  • Earn 2 times more Scene+ points for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
  • Earn 2 times more Scene+ points for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more.
  • Earn 2x Scene+ points for every $1 you spend on eligible select streaming sevices.
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
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*Conditions apply. Rates, fees and other information are effective as of July 2, 2024. Subject to change.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Scene+ points
  • Gas2Scene+ points
  • Dining and Food delivery2Scene+ points
Value
  • Year 1 $393
  • Year 2+ $343
Best For
Transfer Partners
  • Scene+

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
  • 5X points on groceries and dining
  • No Foreign Transaction Fee
  • American Express Online Promotional Offers
Learn More
Best credit card for families in 2023
  • Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points and an annual fee waiver for the first year.
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
  • Earn 6x Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 5x Scene+ points for every $1 you spend on restaurant, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
  • Earn 5x Scene+ points for every $1 you spend in Canada on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
  • Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more.
  • Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming sevices.
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
  • No Foreign Transaction Fee
  • Comprehensive Travel Insurance coverage
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*Conditions apply. Rates, fees and other information are effective as of July 2, 2024. Subject to change.

Annual Fee
  • Primary card $120
  • Additional card $29
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries5Scene+ points
  • Dining and Food delivery5Scene+ points
  • Entertainment5Scene+ points
Value
  • Year 1 $1,151
  • Year 2+ $461
Best For
Transfer Partners
  • Scene+

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
$1,000,000
25 day(s)
Travel medical insurance up to 64 years old
$1,000,000
25 day(s)
Travel medical insurance 65+
$1,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
Best No-FX Fee Credit Card In 2024
  • Earn up to $1,100* in savings and rewards in the first 12 months, including up to 35,000 bonus Scene+ points*.
  • Earn 3x Scene+ points* on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops and more
  • Earn 2 times more Scene+ points* for every dollar spent at other eligible grocery stores, restaurants, entertainment and commuting options (including car pools, buses, subways, cabs and more).
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
  • No Foreign Transaction Fee
  • 6 Complimentary Airport Lounge Access
  • Comprehensive Travel Insurance coverage
  • Visa Infinite* Concierge Services
  • Visa Infinite* Hotel Collection
  • Visa Infinite* Dining and Wine Country program

Rates, fees and other information are effective as of July 2, 2024. Subject to change.

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*Conditions apply.

Earning Rate
  • Groceries2Scene+ points
  • Dining and Food delivery2Scene+ points
  • Local Transport2Scene+ points
Value
  • Year 1 $747
  • Year 2+ $397
Best For
Transfer Partners
  • Scene+

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

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