| Category | Earn Rate |
|---|---|
GroceriesBest | 2% cash back |
Travel & HotelsBest | 2% cash back |
Dining & Restaurants | 1% cash back |
Gas & Fuel | 1% cash back |
Shopping | 1% cash back |
Bills & Utilities | 1% cash back |
Streaming & Subscriptions | 1% cash back |
Transit & Rideshare | 1% cash back |
Point values vary by redemption method. See redemption values below
Enter your monthly spending to estimate annual rewards with this card.
Is the $110/yr fee worth it for you?
Calculate BreakevenTypical benefits for mid tier tier cards. Actual coverage may vary.
Based on card-specific requirements where available; household income estimated by tier.
Cash advance, balance transfer, and late payment fees are typical for this card tier. Check the issuer for exact rates.
Benefits You Use: ~$0 of ~$475/yr
0%Emergency Medical Insurance
Coverage for medical emergencies while travelling outside your province or country
Extended Warranty
Doubles the manufacturer warranty (up to 1 extra year) on eligible purchases
Purchase Protection
Covers theft or accidental damage on new purchases for 90 days
Rental Car Insurance
Collision and damage coverage when you rent a vehicle and pay with your card