|Rewards||Earn 2 rewards points for every $1 spent on eligible purchases|
|Signup Bonus||5,000 welcome bonus points, reduced rate on balance transfers during the first 10 billing cycles|
|Cardmember Agreement||View Here|
|Cash Advance APR||19.49% (APR is subject to change)|
|Cash Advance Fee||$2.00 in Canada and $3.50 outside Canada for ATM cash advances, $4.00 in Canada and $4.85 outside Canada for over-the-counter cash advances|
|Late Payment Fee||If your minimum payment is late more than once within 12 consecutive billing cycles, the standard rate(s) that apply to your account will increase by 5%|
|Purchases APR||19.49% (APR is subject to change)|
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