Pros & Cons
Pros
- +Up to 3x on Groceries
- +Purchase protection included
- +Travel medical insurance included
Cons
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Rewards
All Spending
1x
Cash Back pts per dollar
Groceries
3x
Travel
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$486
$/yr
Estimated Value
$486
After Fees
+$366
1st Year Value
$366
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Included
Trip Interruption
Included
Delayed Baggage
Included
Lost Baggage
Included
Flight Delay
Included
Travel Accident
Included
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Included
Interest Rates
- Purchase Rate19.99%
- Cash Advance21.99%
- Balance Transfer Promo1.99%
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$60,000
Household Income
$100,000
Terms & Conditions
Card Features
- 3% cash back at grocery stores
- 2% cash back on travel (flights, hotels, Airbnb, and cruises)
- 1% cash back on everything else
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Banque Manuvie. All trademarks are property of their respective owners.