| 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) |
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