|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)|
|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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