• Enjoy the certainty of a low, long-term rate of 11.9% on purchases and balance transfers, guaranteed for 3 years (as long as you pay your bills on time)
• After that, your rate will stay low and become a variable rate of Prime +9.9% on purchases and balance transfers
• Annual interest rate for cash advances is 19.8%
• Save money when you transfer high-interest debt with the no-fee balance transfer service
• $19 annual fee

Notes:

1. 11.9% for 3 years – after that, it becomes Prime +9.9%.
2. 11.9% for 3 years – after that, it becomes Prime +9.9%.

• Enjoy a low, long-term rate of 5.99% on purchases and balance transfers, guaranteed for 3 years (as long as you pay your bills on time)
• After 3 years your rate will stay low and become a variable rate of Prime +6.99% on purchases and balance transfers
• Annual interest rate for cash advances is 19.8%
• No annual fee

Notes:

1. 5.99% for 3 years – after that, it becomes Prime +6.99%.
2. 5.99% for 3 years – after that, it becomes Prime +6.99%.

• Receive a total rebate of 2% in CAA-Quebec Dollars on all your qualifying purchases — including gas — at participating Couche-Tard outlets that sell gas‡
• Even better! Virtually everywhere else, earn a 1% rebate in CAA-Quebec Dollars‡ on your other qualifying purchases
• Earn 2¢ in CAA-Quebec Dollars per litre of gas when you show your CAA-Quebec membership card at the Couche-Tard counter◊◊
• 3.99% annual interest rate† (AIR) on balance transfers*, access cheques and deposits* for the first 6 full months

Notes:

1. For the first 6 billing cycles, 19.99% thereafter.

• Earn 1 free night at over 1,500 hotels across North America!
• Earn 2 points for every qualifying net retail $1 spent on everyday purchases
• Earn up to 15 points for every $1 in qualifying net retail purchases at over 5,500 Choice Privileges locations in Canada, the U.S., Europe, the Middle East, Mexico, Central America, the Caribbean and Australasia

Notes:

1. For the first 6 billing cycles, 18.99% thereafter.
2. For the first 6 billing cycles, 18.99% thereafter.

• 0% annual interest rate† (AIR) on balance transfers*, access cheques and deposits* for the first 12 full months
• Around-the-clock fraud protection
• Online access to your credit card account
• Unparalleled 24-hour customer service
• International acceptance at millions of locations
• No annual fee
• Enhanced security and protection with Chip & PIN technology and PayPass

Notes:

1. For the first 12 billing cycles, 19.99% thereafter.

Save hundreds of dollars a year

• Low 11.99% interest rate
• Interest free grace period of at least 21 days on purchases
• Save hundreds of dollars a year
• Pay down balances faster
• Simplify your monthly payments
• 20% AVIS rental card discount

• Earn 10 PC points for every dollar of every purchase made with your card
• After approval, receive 4 coupons for 5,000 PC points each, which translates to $20 in free groceries
• Get an extra 5,000 PC points when you apply online
• Low balance transfer rate for eligible new customers

Notes:

1. for 4 months, 19.97% thereafter.