| Rewards | None. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $39 (USD) |
| Cardmember Agreement | View Here |
| Cash Advance APR | 22.99% |
| Cash Advance Fee | 1% of the amount of the transaction (up to $10.00 in Canada), $5.00 outside of Canada. |
| Late Payment Fee | $25.00 if you are over the credit limit, no fee if you are not. |
| Purchases APR | 19.99% |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
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Great for U.S. spending but no rewards
This card mainly to avoid annoying currency conversion fees when buying in U.S dollar it's handy for travel and online U.S. purchases, and travel insurance perks give extra peace of mind. That said, there no points or cash back, so it doesn't feel rewarding outside U.S. dollar use.
