Annual Fee
$0
Welcome Bonus
—
Bonus Value
—
Estimated value
1st Year Value
$276
Pros & Cons
Pros
- +Purchase protection included
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
Rewards
All Spending
0.5x
Cash Back pts per dollar
Groceries
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$276
$/yr
Estimated Value
$276
After Fees
+$276
1st Year Value
$276
incl. welcome bonus
Annual rewards breakdown
Groceries$8,400/yr × 2.00%$168
Gas & EV$2,400/yr × 0.50%$12
Transit$1,200/yr × 0.50%$6
Restaurants$3,600/yr × 0.50%$18
Pharmacy$600/yr × 0.50%$3
Travel$1,800/yr × 0.50%$9
Bills & recurring payments$3,000/yr × 0.50%$15
Telecom$1,800/yr × 0.50%$9
Entertainment & streaming$1,200/yr × 0.50%$6
All other spending$6,000/yr × 0.50%$30
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year0.92%
Total cashback earned$276
Purchase Protection
✓
Purchase Protection
Included
✓
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate19.99%
- Cash Advance21.99%
- Balance Transfer Promo1.99%
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$15,000
Household Income
$15,000
Terms & Conditions
Card Features
- 2% cash back at grocery stores
- 0.5% on everything else
- 1.99% interest rate on balance transfers during the first six months
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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.