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Credit cards that reward the way you live

Earn cash back, travel more, save on interest or build your credit. Find your perfect Regular Point Credits Visa and apply in minutes.

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Find your card

Six Visa cards, one for every goal. All include zero fraud liability and Apple Pay and Google Pay.

Most popular
•••• •••• •••• 4821
Regular Point Credits
Cash Back Visa
VISA

Cash Back Visa

Earn on everyday spending

$0Annual fee
20.99%Purchase APR
3%Rewards up to
  • Up to 3% cash back on groceries
  • Cash back on gas, dining and recurring bills
  • No annual fee
  • $100 welcome bonus
Apply now
Best for travel
•••• •••• •••• 4821
Regular Point Credits
Travel Rewards Visa Infinite
VISA

Travel Rewards Visa Infinite

Fly more, pay less

$120Annual fee
20.99%Purchase APR
5%Rewards up to
  • Up to 5% value on travel bookings
  • No foreign exchange fees
  • Travel medical and trip cancellation insurance
  • Airport lounge passes
Apply now
Low interest
•••• •••• •••• 4821
Regular Point Credits
Low Rate Visa
VISA

Low Rate Visa

Save on interest

$29Annual fee
12.99%Purchase APR
0.5%Rewards up to
  • Low 12.99% purchase rate
  • Low annual fee
  • Balance transfer offer: 1.99% for 6 months
  • Free supplementary cards
Apply now
No fee
•••• •••• •••• 4821
Regular Point Credits
Student & Newcomer Visa
VISA

Student & Newcomer Visa

Build your credit history

$0Annual fee
21.99%Purchase APR
1%Rewards up to
  • No annual fee
  • Easy approval for students and new arrivals
  • Reports to Canadian credit bureaus
  • Free credit score tracking
Apply now
Credit builder
•••• •••• •••• 4821
Regular Point Credits
Secured Visa
VISA

Secured Visa

Rebuild or start your credit

$0Annual fee
21.99%Purchase APR
0.5%Rewards up to
  • Approval guaranteed with deposit
  • Deposit from $500 earns interest
  • Upgrade to an unsecured card after 12 months
  • Reports to credit bureaus
Apply now
For business
•••• •••• •••• 4821
Regular Point Credits
Business Visa
VISA

Business Visa

Spend smarter for your company

$60Annual fee
20.99%Purchase APR
1.5%Rewards up to
  • 1.5% cash back on all purchases
  • Employee cards with spending limits
  • Accounting integration (QuickBooks, Xero)
  • Expense tracking in the app
Apply now

Sample products for illustration. Approval is subject to credit assessment.

Compare cards side by side

CardAnnual feePurchase APRRewardsMin. incomeBest for
Cash Back Visa$020.99%Up to 3% cash back$15,000Everyday spending
Travel Rewards Visa Infinite$12020.99%Up to 5% value on travel$60,000Frequent travellers
Low Rate Visa$2912.99%0.5% cash back$15,000Carrying a balance
Student & Newcomer Visa$021.99%1% cash backNone (proof of study or status)Students and newcomers
Secured Visa$021.99%0.5% cash backNone ($500 deposit)Building or rebuilding credit
Business Visa$6020.99%1.5% cash backBusiness revenue $30,000Business owners

How much could you earn?

Choose a card, enter your monthly spending and see your estimated yearly rewards.

Estimated yearly rewards
Annual fee
Welcome bonus
Net first-year value
Total yearly spend
Apply for this card Estimate only. Actual rewards depend on card terms and spending.

Benefits built into every card

Zero fraud liability

You are not responsible for unauthorized transactions when you report them promptly.

Instant card freeze

Lock and unlock your card in the app in a single tap.

Real-time alerts

Get an instant notification on every purchase.

Tap and mobile pay

Apple Pay, Google Pay and Interac Flash ready.

Purchase protection

Coverage against theft and damage, plus extended warranty on eligible items.

Worldwide acceptance

Accepted at millions of locations around the world.

Rates and fees, explained clearly

Purchase interest rate12.99% to 21.99%
Cash advance rate22.99%
Interest-free grace periodAt least 21 days
Minimum paymentGreater of $10 or 3% of balance
Foreign currency conversion2.5% (0% on Travel card)
Late payment fee$25

Sample terms for illustration. See the cardholder agreement for your actual rates and fees.

Smart credit habits

  • Pay your full balance each month to avoid interest
  • Keep your balance under 30% of your limit
  • Set up automatic payments so you never miss one
  • Check your credit report at least once a year

Build your credit score

On-time payments and low usage help raise your score over time. Our Student, Newcomer and Secured cards report to Canada's credit bureaus, and you can track your score for free in the Regular Point Credits app.

Apply in four simple steps

Choose your card

Compare and pick the best fit.

Apply online

A few minutes, secure form.

Get a decision

Most decisions are instant.

Start spending

Add to your digital wallet right away.

Eligibility

  • Be the age of majority in your province or territory
  • Be a Canadian resident with a Canadian address
  • Have a Social Insurance Number (SIN)
  • Meet the income requirement for your chosen card

What you will need

  • Government-issued photo ID
  • Your gross annual income and employment details
  • Your housing costs (rent or mortgage)
  • Business registration details for business cards

Credit card questions, answered

A formal application triggers a hard credit inquiry, which can lower your score by a few points for a short time. Checking if you are pre-qualified does not affect your score.

If you pay your full statement balance by the due date, you pay no interest on purchases. Cash advances and balance transfers normally charge interest immediately.

Freeze the card in the Regular Point Credits app, then call 1-800-555-0199 right away. We will send a replacement and you will not be liable for unauthorized charges you report promptly.

Yes. Our Student and Newcomer Visa is designed to help you start building a Canadian credit history. A passport and proof of status, such as a work or study permit, are usually enough.

Redeem for statement credit, travel bookings or gift cards in online banking or the app, with no minimum redemption on the Cash Back card.

Ready to get your Regular Point Credits Visa?

Apply online in minutes, or speak with an advisor to find the right card.

Apply now

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