Card Features
- 4% cash back on gas and groceries, 2% on Tim Hortons® and TELUS® purchases and 1% on everything else
- No limit on the cash back you can earn
- Comprehensive insurance benefits, including Out-of-Province Emergency Travel Medical Insurance (first 15 days, age 64 or under)
- Enjoy the benefits of the Visa Infinite program, including access to luxury worldwide travel and hotels
Interest Rates
Purchase APR: 19.99%
Balance Transfer APR: 22.99%
Cash Advance APR: 22.99%
Annual Fee
$99
Additional Cardholders: $30
Pros
- 4% cash back on gas and groceries
- Premium Visa Infinite benefits
Cons
- $99 annual fee
Bonus Offer
None
Introductory Rates
None
Reward Earnings Rate
Varies depending on spending category - 4% on gas and groceries
Additional Details
Grace Period: 21 Days
Fees
Balance Transfer Fee: Up to 3%
Cash Advance Fee: $3.50
Foreign Transaction Fee: 2.5%
Over Credit Limit Fee: $29