Cash Back

  • No Foreign Transaction Fee
  • Accepted at Costco
  • 2 % cash back on all eligible purchases
Learn More

Earn 2% cash back globally with no FX fees and unlock legendary experiences.

Key Features

  • Metal Card
  • No FX fees
  • Insurance Included

Key Benefits

  • 2% cash back on all eligible purchases globally
  • 1.5x redemption bonus when you use your cash back for Rogers purchases
  • 10 Roam Like Home days on us, every year, with an eligible Rogers mobile plan.
  • No FX fees
  • $200 Rogers Entertainment credit

Travel Benefits

  • 6 Plaza Premium Lounge passes per year worldwide (complimentary Rogers Red welcome drink upon arrival, for a limited time)
  • Complimentary Mastercard Travel Pass membership — access to over 1,300 airport lounges worldwide at a reduced rate of US$32 per person per visit
  • Access to entertainment in over 120 countries: concerts, premium seats, and experiences associated with the Priceless program (priceless.com/themastercardcollection)

Additional benefits

  • Soho Friends Experience with Mastercard — book rooms at Soho Houses worldwide with preferred rates, late check-outs, upgrades, and a US$100 credit on your first booking
  • Mastercard Concierge Service — 24/7 complimentary personal concierge service for bookings and more
  • Access to the Avis President's Club program — two car class upgrades, expedited service, dedicated support line
  • Exclusive access to sports and music experiences via the Rogers Moments program (Rogers customers only)

Insurance Included

  • Flight Delay Insurance
  • Baggage insurance
  • Common Carrier Travel Accident Insurance
  • Hotel Burglary Insurance
  • Purchase Protection and Extended Warranty
  • Rental Car Collision and Damage Insurance
  • Emergency Medical Travel Insurance (for individuals aged 75 or under)
  • Trip Cancellation and Trip Interruption Insurance

Options

  • Optional Rogers Account ProtectionMC — helps keep your account in good standing during unforeseen events (job loss, critical illness, hospitalization, disability, or death)

Estimated Annual Value — up to $2,900

  • 2% cash back worldwide — $1,800 value
  • No foreign transaction fees — $180 value
  • Access to Roam Like Home for 10 days — $180 value
  • Rogers Entertainment Credit — $200 value
  • 6 Plaza Premium Lounge passes — $432 value
  • Soho Friends Account — $175 value
Legal

*Conditions apply. Credit card application subject to credit assessment and income verification.

  • Standard rate on Purchases and Fees: 20.99%
  • Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%

If you are not approved for an Account at the above rates and you reside outside Quebec, we may still issue you an Account at our alternate interest rates, as follows:

  • Rate for Purchases and Fees: 25.99%
  • Rate for Cash Advances, Cashlike Transactions and Balance Transfers: 27.99%

Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information and applicable terms and conditions, visit Rogersbank.com.

®/TM Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Used under License.

TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2026 Rogers Bank. Rogers Bank is the issuer of this credit card.

Annual Fee
  • Primary card $495
  • Additional card $95
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 0.0 %
Earning Rate
  • All Spending2%
  • Groceries2%
  • Gas2%
Value
  • Year 1 $185
  • Year 2+ $185
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
21 day(s)
Travel medical insurance up to 64 years old
21 day(s)
Travel medical insurance 65+
5 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
$1,000

Earn Cash Back Dollars. Redeem them to help pay down your Account balance.

  • Earn 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases.
  • Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card.
  • Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply. Conditions Apply.
  • Save with Avis Rent A Car and Budget Rent A Car: Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
  • Optional TD Auto Club membership for 24/7 emergency roadside assistance.
  • Purchase insurance and extended warranty protection - You automatically benefit from Purchase Insurance and Extended Warranty Protection, which covers most personal items purchased with your card that are stolen or damaged within 90 days of purchase.
Legal
Terms and conditions apply.
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries1%
  • Gas1%
  • Local Transport1%
Value
  • Year 1 $180
  • Year 2+ $180
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
  • 3% cash back on groceries and gas
  • Premium Insurance
  • Visa Infinite Benefits
Learn More

Earn up to $600 in total value, which includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500 and receive an Annual Fee rebate for the first year. Conditions Apply.

  • Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made.
  • Receive 24/7 Roadside Assistance with Free Deluxe TD Auto Club membership.
  • Get an Annual Fee Rebate for the first year.

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

  • Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
  • Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
  • Earn 1% in Cash Back Dollars on all other Purchases.
  • Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please - the choice is yours†!
  • Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply. Conditions Apply.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $139
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries3%
  • Gas3%
  • Local Transport3%
Value
  • Year 1 $969
  • Year 2+ $341
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
$2,000,000
10 day(s)
Travel medical insurance up to 64 years old
$2,000,000
10 day(s)
Travel medical insurance 65+
$2,000,000
4 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
American Express® Business Gold Rewards Card
Business Card
  • Use your points as a statement credit on any purchase
  • Transfer your points to airline and hotel partners
Learn More

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.
Legal

*Terms and conditions apply.
American Express is not responsible for maintaining or monitoring the accuracy of information 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 $1,399
  • Year 2+ $209
Best For
Transfer Partners
  • AeroplanAsia MilesBritish Airways ClubEtihad GuestFlying BlueHilton HonorsMarriott BonvoyAmerican Express Membership 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
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 Foreign Transaction Fee
  • 2% cash back on all purchases
  • Visa Infinite Privilege Benefits
Learn More
  • Get 2% cash back on all your purchases
  • No foreign transaction fees for purchases made in currencies other than the Canadian dollar
  • No annual fees for eligible clients

Some travel insurance is not currently offered to Quebec residents.

Legal

Annual Fee Waiver

The Annual Fee (“Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card (“Card”) is $240 and is charged monthly at $20. The monthly fee is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a month thereafter, unless this Fee is waived. Waiving the Fee is a promotional offer (“Fee Waiver Offer”) and requires clients to meet specific criteria to qualify and continue having the Fee waived. The Card Fee is automatically waived for any client with a Premium or Generation status, and the Fee will continue to be waived so long as that status is maintained. The Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Wealthsimple Chequing Account (“Chequing Account”) within the preceding 30-days. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client doesn’t make a Qualifying Deposit, or if a Premium or Generation client cannot maintain their status and becomes a Core client without a Qualifying Deposit, the monthly fee of $20 will be added to their next statement and continue to be charged until a Qualifying Deposit is confirmed.

For residents of Quebec: The Quebec Annual Fee (“Annual Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card is $240 and is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a year thereafter. Waiving the Fee is a promotional offer (“Quebec Fee Waiver Offer”) and requires clients to meet specific criteria to qualify. The Annual Fee is automatically waived for any client with Premium or Generation status at the time the Card is issued. If a Core client obtains Premium or Generation status after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current twelve (12) month period, which starts on the anniversary of the Card issuance date (“Card Year”) from the month eligibility is obtained ($20 per month). The Quebec Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Chequing Account within the 30-days preceding the time the Card is issued. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client starts making Qualifying Deposits after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current Card Year from the month eligibility is obtained ($20 per month).

Credit Card Rewards (Cashback Offer)

The cash back promotional offer (“Cashback Offer”) is valid for new and existing users of the Card. The 2% earn rate, which may be subject to change, applies to purchases, excluding cash-like transactions, refunds, any applicable fees and adjustments (“Qualified Spend”). Cash back credits are earned on Qualified Spend only. You may redeem your cash back as soon as the Qualified Spend transaction is settled or up to 10 years after the Qualified Spend transaction is settled. Cash back can be redeemed directly in the app. Cash back can only be deposited into your Wealthsimple chequing, TFSA, RRSP, or non-registered accounts. There is no minimum amount needed to redeem. If a refund is processed after the Cash back credit is redeemed, the amount will be deducted from your rewards balance.

General Terms and Conditions

Wealthsimple Payments Inc. (“Wealthsimple”) reserves the right to amend, withdraw or restrict the Fee Waiver Offer and/or the Cashback Offer at any time without notice. Wealthsimple is the sole arbiter of these rules, the qualification criteria, and any other issue arising in connection with the Fee Waiver Offer and/or the Cashback Offer. If Wealthsimple suspects fraudulent or abusive behaviour, gaming of the system or a violation of these terms, Wealthsimple reserves the right to remove all promotions from the applicable Wealthsimple account and take any other action it deems appropriate including, but not limited to, canceling the applicable Card. An invitation to participate in the Fee Waiver Offer and/or the Cashback Offer does not provide assurance that the referred customer will be accepted as a customer of Wealthsimple. Both the Fee Waiver Offer and the Cashback Offer are only valid for individuals in Canada that otherwise meet Wealthsimple’s eligibility requirements. The Wealthsimple Visa Infinite Credit Card and Wealthsimple Visa Infinite Privilege Credit Card are issued by Wealthsimple pursuant to license by Visa Canada Corp. * Trademark of Visa Int., used under license.

Wealthsimple is not responsible for maintaining the accuracy of information on this website. Refer to Wealthsimple’s page for more details.

Terms and conditions apply. For the latest product details, please visit Wealthsimple.com.

Annual Fee
  • Primary card $240
  • Additional card $0
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 0.00 %
Earning Rate
  • All Spending2%
  • Groceries2%
  • Gas2%
Value
  • Year 1 $480
  • Year 2+ $480
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
$2,000,000
14 day(s)
Travel medical insurance up to 64 years old
$2,000,000
14 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • No Foreign Transaction Fee
  • 2% cash back on all purchases
  • Visa Infinite Benefits
Learn More
  • Get 2% cash back on all your purchases
  • No foreign transaction fees for purchases made in currencies other than the Canadian dollar
  • No annual fees for eligible clients

Some travel insurance is not currently offered to Quebec residents.

Legal

Annual Fee Waiver

The Annual Fee (“Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card (“Card”) is $240 and is charged monthly at $20. The monthly fee is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a month thereafter, unless this Fee is waived. Waiving the Fee is a promotional offer (“Fee Waiver Offer”) and requires clients to meet specific criteria to qualify and continue having the Fee waived. The Card Fee is automatically waived for any client with a Premium or Generation status, and the Fee will continue to be waived so long as that status is maintained. The Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Wealthsimple Chequing Account (“Chequing Account”) within the preceding 30-days. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client doesn’t make a Qualifying Deposit, or if a Premium or Generation client cannot maintain their status and becomes a Core client without a Qualifying Deposit, the monthly fee of $20 will be added to their next statement and continue to be charged until a Qualifying Deposit is confirmed.

For residents of Quebec: The Quebec Annual Fee (“Annual Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card is $240 and is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a year thereafter. Waiving the Fee is a promotional offer (“Quebec Fee Waiver Offer”) and requires clients to meet specific criteria to qualify. The Annual Fee is automatically waived for any client with Premium or Generation status at the time the Card is issued. If a Core client obtains Premium or Generation status after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current twelve (12) month period, which starts on the anniversary of the Card issuance date (“Card Year”) from the month eligibility is obtained ($20 per month). The Quebec Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Chequing Account within the 30-days preceding the time the Card is issued. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client starts making Qualifying Deposits after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current Card Year from the month eligibility is obtained ($20 per month).

Credit Card Rewards (Cashback Offer)

The cash back promotional offer (“Cashback Offer”) is valid for new and existing users of the Card. The 2% earn rate, which may be subject to change, applies to purchases, excluding cash-like transactions, refunds, any applicable fees and adjustments (“Qualified Spend”). Cash back credits are earned on Qualified Spend only. You may redeem your cash back as soon as the Qualified Spend transaction is settled or up to 10 years after the Qualified Spend transaction is settled. Cash back can be redeemed directly in the app. Cash back can only be deposited into your Wealthsimple chequing, TFSA, RRSP, or non-registered accounts. There is no minimum amount needed to redeem. If a refund is processed after the Cash back credit is redeemed, the amount will be deducted from your rewards balance.

General Terms and Conditions

Wealthsimple Payments Inc. (“Wealthsimple”) reserves the right to amend, withdraw or restrict the Fee Waiver Offer and/or the Cashback Offer at any time without notice. Wealthsimple is the sole arbiter of these rules, the qualification criteria, and any other issue arising in connection with the Fee Waiver Offer and/or the Cashback Offer. If Wealthsimple suspects fraudulent or abusive behaviour, gaming of the system or a violation of these terms, Wealthsimple reserves the right to remove all promotions from the applicable Wealthsimple account and take any other action it deems appropriate including, but not limited to, canceling the applicable Card. An invitation to participate in the Fee Waiver Offer and/or the Cashback Offer does not provide assurance that the referred customer will be accepted as a customer of Wealthsimple. Both the Fee Waiver Offer and the Cashback Offer are only valid for individuals in Canada that otherwise meet Wealthsimple’s eligibility requirements. The Wealthsimple Visa Infinite Credit Card and Wealthsimple Visa Infinite Privilege Credit Card are issued by Wealthsimple pursuant to license by Visa Canada Corp. * Trademark of Visa Int., used under license.

Wealthsimple is not responsible for maintaining the accuracy of information on this website. Refer to Wealthsimple’s page for more details.

Annual Fee
  • Primary card $240
  • Additional card $0
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 0.00 %
Earning Rate
  • All Spending2%
  • Groceries2%
  • Gas2%
Value
  • Year 1 $240
  • Year 2+ $240
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
$2,000,000
14 day(s)
Travel medical insurance up to 64 years old
$2,000,000
14 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$749
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
  • Earn up to $850 in welcome offers, first year rewards and savings value, and up to 45,000 bonus Scene+ points.
  • You will not pay 2.5% in 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. 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+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services.
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases. Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
  • No Foreign Transaction Fee
  • Comprehensive Travel Insurance coverage
Legal

*Conditions apply. Rates, fees and other information are effective as of Jan 2,2026. Subject to change.

Earning Rate
  • Groceries5Scene+ Points
  • Dining and Food delivery5Scene+ Points
  • Entertainment5Scene+ Points
Value
  • Year 1 $911
  • 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

Earn up to 100,000 bonus Scene+ points within your first 14 months.

This is worth up to $1,000 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
Legal

*Conditions apply. Rates, fees and other information are effective as of Jan 2,2026. Subject to change.

Earning Rate
  • Travel3Scene+ Points
  • Air Canada3Scene+ Points
  • Dining and Food delivery2Scene+ Points
Value
  • Year 1 $1,232
  • Year 2+ $232
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
$5,000,000
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
10 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • No annual fee
  • 2X points at Scene+ grocery stores (IGA, Rachelle Béry, Sobeys, etc.)
Learn More
  • Earn up to 10,000 bonus Scene+ points within your first 3 months.
  • No Annual Fee
  • Earn 2x Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op
  • Earn 2x Scene+ points for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
  • Earn 2x Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
  • Plus, get 1 Scene+ point for every dollar spent on all other eligible everyday purchases
  • Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Legal

*Conditions apply. Rates, fees and other information are effective as of Jan 2,2026. Subject to change.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries2Scene+ Points
  • All Spending1Scene+ Point
  • Gas1Scene+ Point
Value
  • Year 1 $345
  • Year 2+ $240
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

Get Unlimited Cash Back on Your Purchases3 with our premium Cash Back credit card

  • Earn 1.5% cash back on all purchases2, with no limit to the total cash back you earn.

Unlock Exclusive Deals and Benefits

  • Access offers from over 2,000 top brands, plus get even more points and savings from our partners such as Petro-Canada, Rexall, Metro and DoorDash.

Enjoy Mastercard World Elite Benefits

  • Get access to 1,300+ airport lounges worldwide with Dragon Pass3 and access on-demand apps and subscription services4, all through Mastercard World Elite.

Save at Petro-Canada

  • Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC card

Earn more Be Well points at Rexall

  • Link your eligible RBC Card and earn 50 Be Well points on every $1 spent on eligible purchases at Rexall

DoorDash

  • Add your RBC Credit Card to your DoorDash account and get a free 12 month DashPass subscription

Earn more Moi points at Metro

  • Earn 1 extra Moi point for every $2 spent at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you swipe your Moi Rewards card and pay with your linked RBC card (minimum purchase required)

Purchase Security and Extended Warranty Insurance

  • Purchase Security and Extended Warranty Insurance automatically protects eligible card purchases against loss, theft or damage for up to 120 days, and triples the manufacturer’s original Canadian warranty for up to two years.

Auto Rental Collision/Loss Damage Insurance

  • Protection for your rental car with Auto Rental Collision/Loss Damage Waiver Insurance.
  • For full insurance details, view the certificate of insurance.
Legal

® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner(s).

Annual Fee
  • Primary card $99
  • Additional card $0
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Earning Rate
  • All Spending1.5%
  • Groceries1.5%
  • Gas1.5%
Value
  • Year 1 $261
  • Year 2+ $261
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
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

Get Unlimited Cash Back on Your Purchases2 with our no annual fee Cash Back credit card

  • Get up to 2% cash back on your grocery purchases and up to 1% on all your other eligible everyday purchases.

Unlock Exclusive Deals and Benefits

  • Access offers from over 2,000 top brands, plus get even more points and savings from our partners such as Petro-Canada, Rexall, Metro and DoorDash.

Save at Petro-Canada

  • Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC card

Earn more Be Well points at Rexall

  • Link your eligible RBC Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall

DoorDash

  • Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription.

Earn more Moi points at Metro

  • Earn 1 extra Moi point for every $2 spent at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you swipe your Moi Rewards card and pay with your linked RBC card (minimum purchase required)

Purchase Security and Extended Warranty Insurance

  • Purchases made with your card are automatically protected against loss, theft or damage for up to 90 days from the date of purchase.
  • The coverage also doubles the manufacturer’s original Canadian warranty for up to one extra year.
  • Please keep your receipts in the event you need to make a claim, and refer to the Certificate of Insurance for complete details regarding this coverage.
  • For full insurance details, view the certificate of insurance.
Legal

® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner(s).

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Earning Rate
  • Office Supplies10.5%
  • Groceries2%
  • All Spending0.5%
Value
  • Year 1 $190
  • Year 2+ $192
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

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