Reward Type: Travel Rewards

Earn a welcome bonus of up to 70,000 Membership Rewards® points in your first year.

• Earn 50,000 Membership Rewards^® points after spending $7,500 in purchases within the first three months of Cardmembership.
• Plus, earn an additional 20,000 points after spending $30,000 on your Card in your first 12 months of Cardmembership.
• That’s up to $700 in statement credits to reinvest in your business.

Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more. That could add up to $400 in value every year

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. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option Rate will be 29.99%. These rates are 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.

Earn up to 90,000 Welcome Bonus Aeroplan®* points.

• Earn 65,000 Aeroplan points after spending $10,500 on your Card within the first 3 months as a new American Express Aeroplan^®* Business Reserve Cardmember.
• Plus, earn 25,000 Aeroplan points^® when you spend $3,500 in month 13.

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

• You can earn up to $5,600 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,800 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $2,825 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $5,600 or more in value within your first 13 months. Terms and usage assumptions apply.
• Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals.
• Earn 1.25 points for every $1 spent on everything else.

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

• Leverage your cash flow with the option of carrying a balance or paying in full each month
• Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.

Unlock business travel possibilities to make every work trip one to look forward to.

• Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
• Enjoy access to select Air Canada Maple Leaf Lounges^™ for you and a guest, and Air Canada Café^™; in North America, with a same day ticket on a departing Air Canada or Star Alliance^®* flight
• Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
• Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
• If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services
• Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite^™* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels.
• Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
• Get 1,000 Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases charged to your Card, up to 25,000 SQC
• Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
• Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club

Earn up to 40,000 reward points upon enrollment, and the annual fee will be refunded for the first year for the primary cardholder of a National Bank^® Platinum Mastercard^®.

• 10,000 reward points when you sign up for credit card payment insurance^* for at least the first 3 months
• 15,000 reward points when you make $2,500 in purchases within the first 3 months^**
• 15,000 reward points when you make $10,000 in purchases within the first 12 months^**
• The $70 annual fee will be refunded for the first year for the primary cardholder

Earn up to 80,000 bonus Scene+ points within your first 14 months.

This is worth up to $800 for your travels.

Rewards your way, with Scene+

• Earn 3X Scene+ points for every $1 in eligible travel purchases. Plus, earn 3X points on hotel stays, car rentals, and activities when you book through Scene+ Travel, administered by Expedia.
• Earn 2X Scene+ points for every $1 in eligible purchases at dining and entertainment establishments
• Plus, earn 1X Scene+ points for every dollar spent on all other eligible purchases.

$250 Annual Travel Credit

If you’re the primary cardholder, each year you’ll get a $250 statement credit on your first travel booking with Scene+ Travel, Powered by Expedia. This applies to flights, hotels, car rentals, and travel packages anywhere in the world.

Say goodbye to FX fees

Say goodbye to foreign transaction fees with the Scotiabank Passport® Visa Infinite Privilege* Card. Whether you’re shopping online or abroad, you’ll never pay a foreign transaction fee on foreign currency purchases.

Enjoy 10 complimentary airport lounge visits per year

With the Visa Airport Companion Program, you and each of your additional cardholders get access to over 1,200 airport lounges worldwide. This includes 10 free lounge visits per year. Plus, you get exclusive airport dining and retail offers.

Exclusive airport perks

Save time and money with priority security and taxi lanes, discounted valet parking, and dedicated parking.

Upgrade your next getaway at Relais & Châteaux properties

As a Scotia Passport Visa Infinite Privilege* Cardholder, you are eligible for prestigious benefits at over 200 Relais & Châteaux properties worldwide.

Explore the Visa Infinite Luxury Hotel Collection

Enjoy 7 special benefits at over 900 hotels and an 8th exciting benefit at over 200 participating hotels, hand-selected for Scotiabank Passport® Visa Infinite Privilege* cardholders.

Feel at home, anywhere you go

Get exclusive benefits at over 60 Sandman, Sandman Signature, and Sutton Place Hotels across Canada with Visa RSVP Rewards.

Become an Avis®* President’s Club member

Spend less time in line and more time on the road with a complimentary yearly Avis President’s Club membership. This includes two car-class upgrades and the option to skip the line and go straight to your car at most Avis®* locations.

Comprehensive Travel Insurance coverage

• Travel Emergency Medical Insurance
• Trip Cancellation and Trip Interruption Insurance
• Flight Delay Insurance
• Lost Baggage and Delayed Baggage Insurance
• Rental Car Collision Loss/Damage Insurance
• Hotel Burglary Insurance
• Common Carrier Travel Accident Insurance
• Mobile Device Insurance
• Purchase Security Extended Warranty Protection

Earn up to 120,000 bonus Membership Rewards^® points:

• Earn 80,000 Membership Rewards^® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership
• Plus, earn 40,000 points when you make a purchase between 15 and 17 months of Cardmembership
• That’s up to $1,200 in statement credit that can be reinvested in your business

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

• Earn 1.25 Membership Rewards points for virtually every $1 in purchases 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.

Bolster your business with up to $820 in annual business and travel statement credits

• Register your eligible Card and get up to $500 in business account credits for your eligible purchases with Dell or Indeed.
• Enroll and earn up to $120 in eligible Wireless Credits each year.
• Access a $200 Annual Travel Credit each year of your Cardmembership

Unlock spending power and payment flexibility with a full suite of business management tools that give you more control over your business - anytime and anywhere

• Enjoy financial flexibility 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 the account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.

Enjoy special benefits for you and your business.

• Extend payment solutions with Supplementary Cards for your employees.
• Make the most of the American Express Global Lounge Collection^TM, which gives you access to over 1,400 airport lounges worldwide. This includes the Centurion Lounge network^SM, Plaza Premium Lounges, as well as hundreds of lounges in domestic and international terminals designed to enhance your travel experience. Terms and conditions apply.
• Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
• Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
• Enjoy Fine Hotels + Resorts benefits at over 1,600 properties worldwide like guaranteed late check-out, complimentary breakfast for two, and more with Business Platinum.
• Upgrade your stay with premium status at leading hotel brands like Hilton Honors and Marriott Bonvoy
• Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.
• Access a $100 CAD credit for NEXUS every 4 years with your Cardmembership

Access comprehensive insurance coverage for your travel needs.

• Access Out of Province/Country Emergency Medical Insurance (for under age 65), even if you don’t charge your tickets and travel arrangements to your Business Platinum Card.
• Access Trip Cancellation Insurance, Trip Interruption Insurance, Travel Emergency Assistance, and up to $500,000 Travel Accident Insurance when you fully charge your tickets and travel arrangements to your Business Platinum 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 Platinum 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 Platinum 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
• Equip your business with Mobile Device Insurance

• Annual interest rate of 21.9% - 29.9% on purchases, balance transfers and cash advances
• 5 points per $1 paid towards your balance with a Capital One Smart Rewards Mastercard
• Points will never expire and they’re easy to redeem
• Protection against unauthorized use of your card
• Add an authorized user for $0
• Valuable Mastercard benefits, plus Everyday and Travel benefits like Purchase Assurance and Extended Warranty
• 24/7 customer service

Welcome Offer: Join and get over $1,600 in value including a first year annual fee rebate!^†

Here's how you can get over $1,600 in value:

• Get up to 45,000 Aventura Points (up to $900 in travel value^†):
  • 15,000 Aventura Points when you make your first purchase^†
  • 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods^†
• Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value.^†
• Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $285.^†
• Plus, get a NEXUS◊ Application Fee rebate^†: A $160 value^†
• As an eligible CIBC Cardholder, take advantage of a free Skip+ membership (first year value of $110)^†

Plus, enjoy extra valuable travel benefits.

• Travel when it’s right for you – your Aventura Points don’t expire^†
• Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features^†
• Travel local - Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
• 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre^†
• 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores^†
• 1 point for every $1 spent on all other purchases^†

Get a free Skip+ membership when you link your eligible CIBC credit card

Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.^†

Fuel up for less

Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.^†

Welcome Offer: Join and get over $1,600 in value including a first year annual fee rebate!^†

Here's how you can get over $1,600 in value:

• Get up to 45,000 Aventura Points (up to $900 in travel value^†):
  • 15,000 Aventura Points when you make your first purchase^†
  • 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods^†
• Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value.^†
• Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $285 in value.^†
• Plus, get a NEXUS◊ Application Fee rebate^†: A $160 value^†
• As an eligible CIBC Cardholder, take advantage of a free Skip+ membership (first year value of $110)^†

Plus, enjoy extra valuable travel benefits.

• Travel when it’s right for you – your Aventura Points don’t expire^†
• Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features^†
• Travel local - Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
• 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre^†
• 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores^†
• 1 point for every $1 spent on all other purchases^†

Get a free Skip+ membership when you link your eligible CIBC credit card

Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.^†

Fuel up for less

Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.^†

Accelerate rewards points on common purchases!

• Earn 4 points†† per dollar spent on all eligible restaurant or grocery purchases, digital media, subscriptions, and household utilities during the first 90 days, and earn 2 points‡ per dollar spent on all eligible purchases in these categories thereafter. In both cases, these accumulation rates apply until $10,000 is spent annually in the applicable category; 1 point‡ per dollar spent on all other eligible purchases.
• Receive 5,000 bonus points†† ($25 cash back) after you make eligible purchases of at least $500 within 90 days of account opening.
• Quebec residents: the 5,000 bonus points†† are awarded after your first eligible purchase (no minimum spend required); the boosted 4-points-per-dollar rate for the first 90 days does not apply in Quebec.
• 5,000 bonus points††($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
• Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points
• Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances (Quebec residents: 21.99% on balance transfers and cash advances)
• Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
• No Annual Fee.

Take advantage of an everyday rewards card with no annual fee. Apply now for the MBNA Rewards® credit card.

Receive up to 30,000 bonus points (approximately $250 cash back value):

• 20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
• 10,000 bonus points††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
• Quebec residents: the welcome bonus totals 20,000 points: 15,000 bonus points†† after your first eligible purchase (no minimum spend required) and 5,000 bonus points†† once enrolled for paperless e-statements.
• Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point‡ for every $1 on all other eligible purchases
• Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.
• Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances (Quebec residents: 21.99% on balance transfers and cash advances)
• Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
• $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
• To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater††††.