Earn Rates
💡 1.5x gas, groceries, EV charging, and Air Canada purchases. 1x all other purchases.
Welcome Bonus
Smart Bonus Strategy — Earn 31,000 points
Spend $6,000 within 6 months
First purchase bonus
one purchase required10,000 pts × 1.5¢+$150Minimum spend bonus
Spend $6,000 in 6 months
optimal stop15,000 pts × 1.5¢+$225Min. spend earnings6,000 pts × 1.5¢+$90
Annual benefitsFree first checked bag, preferred Aeroplan pricing, travel insurance+$140
Annual fee (waived yr 1)$0
Net first-year value+$605
Not Included in Smart Bonus Strategy
25,000 points after $12,000 in purchases in the first 12 monthly statement periods
Renewing the card unlocks this bonus — factor in whether the benefit and/or points justify paying the annual fee.
20,000 pts × 1.5¢+$300Annual Rewards Calculator
Based on average spending, you could earn
$500
conservative est.·up to $1,565 optimistic
Annual Benefits
Free first checked bag, preferred Aeroplan pricing, travel insurance
Value: $140 first year
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