Points or Miles
2X cash back rewards on purchases for gas, groceries and utilities; 1X cash back rewards on all other purchases. Cash back rewards are earned as points which can be redeemed for rewards such as cash back statement credits and gift cards.
Bonus Miles or Points
40,000 bonus points
when you spend $4,000 on purchases in the first 3 months from account opening. Earn 5,000 additional bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
25,000 Aeroplan Miles when you spend $1,000 on net purchases during the first 3 billing cycles after account opening*
Introductory Annual Fee of $0 the first year, then $95
$0 annual fee your first year, just $95 each year thereafter*