| Rewards | If opting for the rewards program, you can earn 1 point per $1 in purchases made, If opting for the cash back program, you can earn $10 in cash back for each segment of 1,000 points accumulated |
|---|---|
| Signup Bonus | 3.9% APR on balance transfers and cash advances for the first 6 billing cycles (subject to a separate credit approval) |
| Annual Fee | 0$-$60 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 14.50%-22.99% (APR is subject to change) |
| Cash Advance Fee | $3.50 at National Bank ATMs and other financial institutions in Canada, $5.00 at other financial institutions outside of Canada |
| Late Payment Fee | Your interest rates will increase to 24.99% for purchases and to 27.99% for balance transfers and cash advances when you miss a payment for 2 consecutive months or miss 3 payments within a 12 month period |
| Purchases APR | 14.50%-19.99%, depending on type of card chosen (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
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Bro sorry, but some error occurred :O
C
Limited appeal beyond basics
This card focuses on simple credit access but offers little in terms of rewards or perks. The interest rate can be high, and benefits don't standout compared to other options. It works for basic spending but overall value feels weak
