Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- creditcardGeniusWith rewards you can redeem at any time, complimentary roadside assistance, Visa Infinite benefits, and the first year free, it's easy to see why this is one of the best cash back cards in Canada right now.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 20.99% |
| Balance Transfer Interest Rate | 22.99% |
| Cash Advance Interest Rate | 22.99% |
| Rates & Fees | |
| Annual Fee |
$120.00 Waived on the first year. |
| Balance Transfer Fee | 3% |
| Cash Advance Fee |
1% Minimum of $3.50, maximum of $10.00 |
| Foreign Transaction Fee |
2.5% Transactions made in a foreign currency will be converted and posted to your account in Canadian currency. |
| Over Limit Fee | $29.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus |
Earn 6% on gas, grocery, and recurring bill payments for the first 3 months up to a total spend of $3,500. |
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants | No |
| Gas | 3% cash back (on first $15000 spent) |
| Groceries | 3% cash back (on first $15000 spent) |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | 3% cash back (on first $15000 spent) |
| Features & Benefits | |
| Additional Card Holders |
Yes $50 per year for each card |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | Yes |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | No |
| No Foreign Transaction Fees | No |
| Emergency Assistance | Yes |
| Concierge Service | Yes |
| Price Protection | No |
| Fraud Protection | No |
| Free Credit Scores | No |
| Wireless Payments | Paywave, Apple Pay |
| Additional Benefits |
- Emergency Road Service - Visa Infinite Luxury Hotel Collection - Visa Infinite Food and Wine Experiences - Delayed and Lost Baggage Insurance |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
| Minimum Personal Income | $60,000 per year |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Critic Reviews
A solid 3% cash back on groceries, gas, and recurring payments
With rewards you can redeem at any time, complimentary roadside assistance, Visa Infinite benefits, and the first year free, it's easy to see why this is one of the best cash back cards in Canada right now.
With rewards you can redeem at any time, complimentary roadside assistance, Visa Infinite benefits, and the first year free, it's easy to see why this is one of the best cash back cards in Canada right now.