|Rewards||Earn 1 point for every $2 spent on eligible purchases|
|Signup Bonus||3.99% promotional APR on balance transfers for 10 months (APR is subject to change)|
|Cardmember Agreement||View Here|
|Cash Advance APR||19.99% (APR is subject to change)|
|Cash Advance Fee||$2.00 in Canada and $3.50 outside Canada for ATM cash advances, $4.00 in Canada and $4.85 outside Canada for over-the-counter cash advances|
|Late Payment Fee||If your minimum payment is late more than once within 12 consecutive billing cycles, the standard rate(s) that apply to your account will increase by 5%|
|Purchases APR||19.99% (APR is subject to change)|
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