MasterCard®

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Convenience and Choice

World Elite

World Elite MasterCard®

  • 19.49% annual interest rate
  • Annual Fee of $150
  • CHOICE REWARDS® Program
  • MasterPurchase®, MasterRental®, MasterTrip®, Travel Medical Insurance
  • Concierge Services
  • Minimum $70,000 personal income or household income of $120,000+

Apply Now >

    More information

    The CHOICE REWARDS® World Elite MasterCard® is the elite card that helps you get away - faster. The comprehensive package of insurances attached to the card is unrivalled, giving you the peace of mind you would expect from a World Elite MasterCard®. Go where you want, when you want and how you want - faster with the CHOICEff REWARDS® World Elite MasterCard®!

    The World Elite MasterCard® is part of the Platinum Class Rewards Program that offers 2 additional points per $1 charged. As a World Elite MasterCard® owner, there is no limit to choice rewards you can earn and you can use your points to plan a trip without worrying about restrictions like blackout periods and seating limitations.

    Apply Now and upon approval receive 5,000 CHOICE REWARDS Points.

    What is the CHOICE REWARDS® Program? Expand/Collapse

    The CHOICE REWARDS® Program allows the cardholder to earn and redeem points for:

    • Unrestricted travel
    • Brand name merchandise
    • Gift cards to national retailers and charitable donations
    • Cash

    Core Features:

    • Acceptance at more than 24 million locations worldwide
    • World's largest ATM network
    • 24-hour lost/stolen card assistance
    • Emergency cards and emergency cash

    Features:

    • Out-of-Province/Country Travel Health Plan
    • MasterTrip®
    • MasterPurchase®
    • MasterRental®
    • MasterLegal®
    • Concierge Services
    • Price Protection

    Out-of-Province/Country Travel Medical Insurance Expand/Collapse

    Out-of-Province/Country Emergency Medical and Dental Coverage

    • Coverage is for the first 15 days of each trip outside your province or territory of residence.
    • coverage is up to $2,000,000, per insured person and includes:
      • Hospital inpatient room and board charges, up to semi-private ward or the equivalent emergency medical treatment (including x-rays and lab) and prescription drugs prescribed because of an emergency condition (limited to a 30 day supply)
      • Up to $350 per profession for professional fees for emergency treatment by a licensed physiotherapist, chiropractor, chiropodist or podiatrist
      • Emergency dental treatment (including x-rays and lab); also covers up to $250 to relieve dental pain
      • Emergency medical transportation to an appropriate medical facility
      • Return to your province or territory of residence, if Allianz Global Assistance's consulting physician determines you are medically able to and recommends you return home
      • Friend or family hospital visits if insured person is travelling alone and hospitalized as an inpatient for more than 3 consecutive days
      • up to $5,000 for repatriation of remains
      • Return of dependent children if insured person is hospitalized more than 24 hours or must return to Canada due to their emergency
      • Medical condition covered under this insurance
      • Up to $2,000 for return of vehicle

    Emergency Travel Assistance Services Expand/Collapse

    24-hour assistance to:

    • Confirm emergency medical coverage and direct insured person to medical facility
    • Arrange and pay for emergency medical transportation services
    • Keep in contact with you and your treating physician
    • Provide travel document and ticket replacement assistance
    • Provide legal assistance
    • Provide emergency cash transfers
    • Provide emergency messaging assistance

    Coverage applies to:

    • Primary cardholder under the age of 75
    • His/her spouse under the age of 75
    • Eligible dependent children who meet the following eligibility requirements:
      • Resident of Canada
      • Covered under a Government Health Insurance Plan for the full duration of the coverage period; and
      • Not employed outside of Canada on a full or part-time basis

    Optional extension of coverage Expand/Collapse

    Optional extension of coverage is available by calling 1-866-520-8827.

    The additional coverage may require the completion of a medical questionnaire.

    Please note this is not a certificate of insurance. All benefits and coverages outlined above are subject to the provisions as outlined in the certificate of insurance that accompanies your card. In the event of a conflict between the description above and the certificate of insurance, the certificate of insurance shall govern. Coverage is underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Allianz Global Assistance is the administrator of the inclusive travel medical program. For purposes of the Insurance Companies Act (Canada), this insurance is issued by Allianz Global Risks US Insurance Company's insurance business in Canada.

    Allianz
    Toll free 1-866-520-8827
    Collect 519-742-9356

    MasterTrip® Expand/Collapse

    Trip Cancellation Insurance

    • Charge at least 75% of your trip to your MasterCard Card
    • Applies if you, a family member, or a travelling companion falls ill, experiences serious injuries or passes on unexpectedly, requiring you to cancel your tickets at the last minute
    • Coverage applies to cardholders and your spouse 69 years of age and under, and dependent children travelling with you
    • Tickets will be refunded up to $3,000 per account per trip

    Accidental Death Insurance

    • $1,000 will be paid to your beneficiary if you sustain accidental bodily injury causing death

    Common Carrier Travel Accident Insurance

    • Up to $500,000 coverage when you purchase your ticket with your MasterCard card

    Baggage Delay

    • Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours

    Unexpected Return Home Benefits

    • In the event of a death in your immediate family, you are covered for up to $2,000 for return travel

    Emergency Assistance Services

    • Emergency Cash Transfer
    • Lost Document and Ticket Replacement
    • Lost Luggage Assistance
    • Pre-Trip Information
    • Insurance benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies.
    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterPurchase® Expand/Collapse

    90-day Purchase Protection

    • Protection against loss, theft and damage for items purchased with your MasterCard card
    • Items will be replaced or repaired, or you will be reimbursed the purchase price
    • Items given as gifts are also covered

    Extended Warranty

    • The manufacturer's warranty is automatically extended for up to two additional years for items purchased with your MasterCard card
    • Items must have a valid warranty in Canada

    Benefits are underwritten by American Bankers Insurance Company of Florida, an Assurant SolutionsTM company.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterRental® Expand/Collapse

    When you rent a car with your MasterCard® card, you're protected with:

    • Collision Damage Waiver Benefit - equivalent to that offered by the car rental company, provided you decline the car rental company's optional Collision Damage Waiver
    • Car Rental Accidental Death and Dismemberment Benefits - up to $300,000 coverage per accident for you, your spouse and dependent children
    • Personal Effects Benefits - if your rental car is damaged or stolen, any personal effects in the car are covered up to $1,000 per insured person, up to $2,000 per rental period

    Benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterLegal® Expand/Collapse

    Legal Referrals and Payment Assistance - in those countries that the MasterAssist Operations Centre deems safe for travel, you will be assisted in locating a legal advisor, and in paying legal fees up to $5,000 (billable to your MasterCard account, and subject to credit availability)

    Please refer to the Emergency Assistance Services section in the Certificate of Insurance for specific terms, conditions and limitations.

    Concierge Services Expand/Collapse

    Book all your travel needs. Make dinner reservations at trendy restaurants. Reserve tickets for the hottest concerts or shows. And much more (Conditions, limitations and exclusions apply. Refer to MasterCard Guide to Coverage for full details). Any costs incurred in connection with these services are charged to your CHOICE REWARDS World Elite MasterCard credit card.

    Aimia
    Toll Free 1-888-975-2358
    Collect 416-734-3907

    Price Protection Expand/Collapse

    If you make an eligible purchase with your MasterCard credit card and find the same product advertised in Canada at a lower price within 60 days after purchase, the difference will be refunded, up to $500.00. Conditions, limitations and exclusions apply. Refer to MasterCard Guide to Coverage for full details.

    American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies

    Toll Free 1-800-315-2051
    Collect 905-305-4255

    Platinum

    Platinum MasterCard®

    • 19.49% annual interest rate
    • Annual Fee of $150
    • CHOICE REWARDS® Program
    • MasterPurchase®, MasterRental®, MasterTrip®, Travel Medical Insurance
    • Concierge Services

    Apply Now >

    More Information

    This prestigious card will appeal to your need for convenience, security, and sense of adventure. The comprehensive package of insurances attached to the card is unrivalled, giving you the peace of mind you would expect from a true Platinum card. Go where you want, when you want, and how you want - because you can with Platinum Class®!

    Core Features:

    • Acceptance at more than 24 million locations worldwide
    • World's largest ATM network
    • 24-hour lost/stolen card assistance
    • Emergency cards and emergency cash

    CHOICE REWARDS®

    The Platinum Class MasterCard® is part of the Platinum Class Rewards Program that offers 2 additional points per $1 charged. You can use your points to plan a trip without worrying about restrictions like blackout periods and seating limitations.

    Apply Now > and upon approval receive 5,000 CHOICE REWARDS Points

    What is the CHOICE REWARDS® Program? Expand/Collapse

    The CHOICE REWARDS® Program allows the cardholder to earn and redeem points for:

    • Unrestricted travel
    • Brand name merchandise
    • Gift cards to national retailers and charitable donations
    • Cash

    Features:

    • Out-of-Province/Country Travel Health Plan
    • MasterTrip®
    • MasterPurchase®
    • MasterRental®
    • MasterLegal®
    • Concierge Services
    • Price Protection

    Out-of-Province/Country Travel Medical Insurance Expand/Collapse

    Out-of-Province/Country Emergency Medical and Dental Coverage:

    • Coverage is for the first 15 days of each trip outside your province or territory of residence.
    • Coverage is up to $2,000,000, per insured person and includes:
      • Hospital inpatient room and board charges, up to semi-private ward or the equi emergency medical treatment (including x-rays and lab) and prescription drugs prescribed because of an emergency condition (limited to a 30 day supply)
      • Up to $350 per profession for professional fees for emergency treatment by a licensed physiotherapist, chiropractor, chiropodist or podiatrist
      • Emergency dental treatment (including x-rays and lab); also covers up to $250 to relieve dental pain
      • Emergency medical transportation to an appropriate medical facility
      • Return to your province or territory of residence, if Allianz Global Assistance's consulting physician determines you are medically able to and recommends you return home
      • Friend or family hospital visits if insured person is travelling alone and hospitalized as an inpatient for more than 3 consecutive days
        (up to $5,000 for repatriation of remains)
      • Return of dependent children if insured person is hospitalized more than 24 hours or must return to Canada due to their emergency
      • Medical condition covered under this insurance
      • Up to $2,000 for return of vehicle

    Emergency Travel Assistance Services Expand/Collapse

    24-hour assistance to:

    • Confirm emergency medical coverage and direct insured person to medical facility
    • Arrange and pay for emergency medical transportation services
    • Keep in contact with you and your treating physician
    • Provide travel document and ticket replacement assistance
    • Provide legal assistance
    • Provide emergency cash transfers
    • Provide emergency messaging assistance

    Coverage applies to:

    • Primary cardholder under the age of 75
    • His/her spouse under the age of 75
    • Eligible dependent children who meet the following eligibility requirements:
      • Resident of Canada
      • Covered under a Government Health Insurance Plan for the full duration of the coverage period; and
      • Not employed outside of Canada on a full or part-time basis

    Optional Extension of Coverage Expand/Collapse

    Optional extension of coverage is available by calling 1-866-520-8827.

    The additional coverage may require the completion of a medical questionnaire.

    Please note this is not a certificate of insurance. All benefits and coverages outlined above are subject to the provisions as outlined in the certificate of insurance that accompanies your card. In the event of a conflict between the description above and the certificate of insurance, the certificate of insurance shall govern. Coverage is underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Allianz Global Assistance is the administrator of the inclusive travel medical program. For purposes of the Insurance Companies Act (Canada), this insurance is issued by Allianz Global Risks US Insurance Company's insurance business in Canada.


    Allianz
    Toll free 1-866-520-8827
    Collect 519-742-9356

    MasterTrip® Expand/Collapse

    Trip Cancellation Insurance

    • Charge at least 75% of your trip to your MasterCard Card
    • Applies if you, a family member, or a travelling companion falls ill, experiences serious injuries or passes on unexpectedly, requiring you to cancel your tickets at the last minute
    • Coverage applies to cardholders and your spouse 69 years of age and under, and dependent children travelling with you
    • Tickets will be refunded up to $3,000 per account per trip

    Accidental Death Insurance

    • $1,000 will be paid to your beneficiary if you sustain accidental bodily injury causing death

    Common Carrier Travel Accident Insurance

    • Up to $500,000 coverage when you purchase your ticket with your MasterCard card

    Baggage Delay

    • Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours

    Unexpected Return Home Benefits

    • In the event of a death in your immediate family, you are covered for up to $2,000 for return travel

    Emergency Assistance Services

    • Emergency Cash Transfer
    • Lost Document and Ticket Replacement
    • Lost Luggage Assistance
    • Pre-Trip Information
    • Insurance benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterPurchase® Expand/Collapse

    90-day Purchase Protection

    • Protection against loss, theft and damage for items purchased with your MasterCard card
    • Items will be replaced or repaired, or you will be reimbursed the purchase price
    • Items given as gifts are also covered

    Extended Warranty

    • The manufacturer's warranty is automatically extended for up to two additional years for items purchased with your MasterCard card
    • Items must have a valid warranty in Canada

    Benefits are underwritten by American Bankers Insurance Company of Florida, an Assurant SolutionsTM company.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterRental® Expand/Collapse

    When you rent a car with your MasterCard® card, you're protected with:

    • Collision Damage Waiver Benefit - equivalent to that offered by the car rental company, provided you decline the car rental company's optional Collision Damage Waiver
    • Car Rental Accidental Death and Dismemberment Benefits - up to $300,000 coverage per accident for you, your spouse and dependent children
    • Personal Effects Benefits - if your rental car is damaged or stolen, any personal effects in the car are covered up to $1,000 per insured person, up to $2,000 per rental period

    Benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterLegal® Expand/Collapse

    Legal Referrals and Payment Assistance - in those countries that the MasterAssist Operations Centre deems safe for travel, you will be assisted in locating a legal advisor, and in paying legal fees up to $5,000 (billable to your MasterCard account, and subject to credit availability).

    Please refer to the Emergency Assistance Services section in the Certificate of Insurance for specific terms, conditions and limitations.

    Concierge Services Expand/Collapse

    Book all your travel needs. Make dinner reservations at trendy restaurants. Reserve tickets for the hottest concerts or shows. And much more (Conditions, limitations and exclusions apply. Refer to MasterCard Guide to Coverage for full details). Any costs incurred in connection with these services are charged to your CHOICE REWARDS World Elite MasterCard credit card.

    Aimia
    Toll Free 1-888-975-2358
    Collect 416-734-3907

    Price Protection Expand/Collapse

    If you make an eligible purchase with your MasterCard credit card and find the same product advertised in Canada at a lower price within 60 days after purchase, the difference will be refunded, up to $500.00. Conditions, limitations and exclusions apply. Refer to MasterCard Guide to Coverage for full details.

    American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies.

    Toll Free 1-800-315-2051
    Collect 905-305-4255

    Gold CHOICE REWARDS

    Gold CHOICE REWARDS MasterCard®

    • 19.49% annual interest rate
    • Annual card fee of $120
    • CHOICE REWARDS® Program
    • 2,000 reward points upon card approval
    • MasterPurchase®, MasterRental®, MasterTrip®, Travel Medical Insurance

    Apply Now >

    More information

    The Gold CHOICE REWARDS MasterCard® is the credit card that lets you and your family travel with complete peace of mind. This card combines all the features of the Gold MasterCard Credit Card AND the CHOICE REWARDS Program. Redeem your points for free merchandise, cash rewards, and any kind of travel - not just air travel!

    Apply Now > and upon approval receive 5,000 CHOICE REWARDS Points

    What is the CHOICE REWARDS® Program? Expand/Collapse

    The CHOICE REWARDS® Program allows the cardholder to earn and redeem points for:

    • Unrestricted travel
    • Brand name merchandise
    • Gift cards to national retailers and charitable donations
    • Cash

    Core Features:

    • Acceptance at more than 24 million locations worldwide
    • World's largest ATM network
    • 24-hour lost/stolen card assistance
    • Emergency cards and emergency cash

    Features:

    • Out-of-Province/Country Travel Health Plan
    • MasterTrip®
    • MasterPurchase®
    • MasterRental®
    • MasterLegal®
    • Concierge Services
    • Price Protection

    Out-of-Province/Country Travel Medical Insurance Expand/Collapse

    • Coverage is for the first 15 days of each trip outside your province or territory of residence.
    • Coverage is up to $2,000,000, per insured person and includes:
      • Hospital inpatient room and board charges, up to semi-private ward or the equivalent
        emergency medical treatment (including x-rays and lab) and prescription drugs prescribed because of an emergency condition (limited to a 30 day supply)
      • Up to $350 per profession for professional fees for emergency treatment by a licensed physiotherapist, chiropractor, chiropodist or podiatrist
      • Emergency dental treatment (including x-rays and lab); also covers up to $250 to relieve dental pain
      • Emergency medical transportation to an appropriate medical facility
      • Return to your province or territory of residence, if Allianz Global Assistance's consulting physician determines you are medically able to and recommends you return home
      • Friend or family hospital visits if insured person is travelling alone and hospitalized as an inpatient for more than 3 consecutive days
        up to $5,000 for repatriation of remains
      • Return of dependent children if insured person is hospitalized more than 24 hours or must return to Canada due to their emergency
      • Medical condition covered under this insurance
      • Up to $2,000 for return of vehicle

    Emergency Travel Assistance Services Expand/Collapse

    24-hour assistance to:

    • Confirm emergency medical coverage and direct insured person to medical facility
    • Arrange and pay for emergency medical transportation services
    • Keep in contact with you and your treating physician
    • Provide travel document and ticket replacement assistance
    • Provide legal assistance
    • Provide emergency cash transfers
    • Provide emergency messaging assistance

    Coverage applies to:

    • Primary cardholder under the age of 75
    • His/her spouse under the age of 75
    • Eligible dependent children who meet the following eligibility requirements: 
      • Resident of Canada
      • Covered under a Government Health Insurance Plan for the full duration of the coverage period; and
      • Not employed outside of Canada on a full or part-time basis

    Optional Extension of Coverage Expand/Collapse

    Optional extension of coverage is available by calling 1-866-520-8827.

    The additional coverage may require the completion of a medical questionnaire.

    Please note this is not a certificate of insurance. All benefits and coverages outlined above are subject to the provisions as outlined in the certificate of insurance that accompanies your card. In the event of a conflict between the description above and the certificate of insurance, the certificate of insurance shall govern. Coverage is underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Allianz Global Assistance is the administrator of the inclusive travel medical program. For purposes of the Insurance Companies Act (Canada), this insurance is issued by Allianz Global Risks US Insurance Company's insurance business in Canada.

    Allianz
    Toll free 1-866-520-8827
    Collect 519-742-9356

    MasterTrip® Expand/Collapse

    Trip Cancellation Insurance

    • Charge at least 75% of your trip to your MasterCard Card
    • Applies if you, a family member, or a travelling companion falls ill, experiences serious injuries or passes on unexpectedly, requiring you to cancel your tickets at the last minute
    • Coverage applies to cardholders and your spouse 69 years of age and under, and dependent children travelling with you
    • Tickets will be refunded up to $3,000 per account per trip

    Accidental Death Insurance

    • $1,000 will be paid to your beneficiary if you sustain accidental bodily injury causing death

    Common Carrier Travel Accident Insurance

    • Up to $500,000 coverage when you purchase your ticket with your MasterCard card

    Baggage Delay

    • Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours

    Unexpected Return Home Benefits

    • In the event of a death in your immediate family, you are covered for up to $2,000 for return travel

    Emergency Assistance Services

    • Emergency Cash Transfer
    • Lost Document and Ticket Replacement
    • Lost Luggage Assistance
    • Pre-Trip Information
    • Insurance benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterPurchase® Expand/Collapse

    90-day Purchase Protection

    • Protection against loss, theft and damage for items purchased with your MasterCard card
    • Items will be replaced or repaired, or you will be reimbursed the purchase price
    • Items given as gifts are also covered

    Extended Warranty

    • The manufacturer's warranty is automatically extended for up to two additional years for items purchased with your MasterCard card
    • Items must have a valid warranty in Canada

    Benefits are underwritten by American Bankers Insurance Company of Florida, an Assurant SolutionsTM company.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterRental® Expand/Collapse

    When you rent a car with your MasterCard® card, you're protected with:

    • Collision Damage Waiver Benefit - equivalent to that offered by the car rental company, provided you decline the car rental company's optional Collision Damage Waiver
    • Car Rental Accidental Death and Dismemberment Benefits - up to $300,000 coverage per accident for you, your spouse and dependent children
    • Personal Effects Benefits - if your rental car is damaged or stolen, any personal effects in the car are covered up to $1,000 per insured person, up to $2,000 per rental period

    Benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterLegal® Expand/Collapse

    Legal Referrals and Payment Assistance - in those countries that the MasterAssist Operations Centre deems safe for travel, you will be assisted in locating a legal advisor, and in paying legal fees up to $5,000 (billable to your MasterCard account, and subject to credit availability).

    Please refer to the Emergency Assistance Services section in the Certificate of Insurance for specific terms, conditions and limitations.

    Low Fee Gold CHOICE REWARDS

    Low Fee Gold CHOICE REWARDS MasterCard®

    • 19.49% annual interest rate
    • Annual card fee of $59
    • CHOICE REWARDS® Program
    • 1,000 reward points upon card approval
    • MasterPurchase®, MasterRental®, MasterTrip®

    Apply Now >

    More Information

    If you want free merchandise and travel with no restrictions, the Low Fee Gold CHOICE REWARDS MasterCard® is the card for you! It combines all the featrures of the Low Fee Gold MasterCard® Credit Card and the perks of the CHOICE REWARDS® Program.

    Apply Now > and upon approval receive 3,000 CHOICE REWARDS Points

    What is the CHOICE REWARDS® Program? Expand/Collapse

    The CHOICE REWARDS® Program allows the cardholder to earn and redeem points for:

    • Unrestricted travel
    • Brand name merchandise
    • Gift cards to national retailers and charitable donations
    • Cash

    Core Features:

    • Acceptance at more than 24 million locations worldwide
    • World's largest ATM network
    • 24-hour lost/stolen card assistance
    • Emergency cards and emergency cash

    Features:

    • CHOICE REWARDS® Program
    • Accidental Death Insurance
    • MasterTrip®
    • MasterPurchase®
    • MasterRental®
    • MasterLegal®

    MasterTrip® Expand/Collapse

    Trip Cancellation Insurance

    • Charge at least 75% of your trip to your MasterCard Card
    • Applies if you, a family member, or a travelling companion falls ill, experiences serious injuries or passes on unexpectedly, requiring you to cancel your tickets at the last minute
    • Coverage applies to cardholders and your spouse 69 years of age and under, and dependent children travelling with you
    • Tickets will be refunded up to $3,000 per account per trip

    Accidental Death Insurance

    • $1,000 will be paid to your beneficiary if you sustain accidental bodily injury causing death

    Common Carrier Travel Accident Insurance

    • Up to $500,000 coverage when you purchase your ticket with your MasterCard card

    Baggage Delay

    • Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours

    Unexpected Return Home Benefits

    • In the event of a death in your immediate family, you are covered for up to $2,000 for return travel

    Emergency Assistance Services

    • Emergency Cash Transfer
    • Lost Document and Ticket Replacement
    • Lost Luggage Assistance
    • Pre-Trip Information
    • Insurance benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterPurchase® Expand/Collapse

    90-day Purchase Protection

    • Protection against loss, theft and damage for items purchased with your MasterCard card
    • Items will be replaced or repaired, or you will be reimbursed the purchase price
    • Items given as gifts are also covered

    Extended Warranty

    • The manufacturer's warranty is automatically extended for up to two additional years for items purchased with your MasterCard card
    • Items must have a valid warranty in Canada

    Benefits are underwritten by American Bankers Insurance Company of Florida, an Assurant SolutionsTM company.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterRental® Expand/Collapse

    When you rent a car with your MasterCard® card, you're protected with:

    • Collision Damage Waiver Benefit - equivalent to that offered by the car rental company, provided you decline the car rental company's optional Collision Damage Waiver
    • Car Rental Accidental Death and Dismemberment Benefits - up to $300,000 coverage per accident for you, your spouse and dependent children
    • Personal Effects Benefits - if your rental car is damaged or stolen, any personal effects in the car are covered up to $1,000 per insured person, up to $2,000 per rental period

    Benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterLegal® Expand/Collapse

    Legal Referrals and Payment Assistance - in those countries that the MasterAssist Operations Centre deems safe for travel, you will be assisted in locating a legal advisor, and in paying legal fees up to $5,000 (billable to your MasterCard account, and subject to credit availability).

    Please refer to the Emergency Assistance Services section in the Certificate of Insurance for specific terms, conditions and limitations.

    Low Fee CHOICE REWARDS

    Low Fee CHOICE REWARDS MasterCard®

    • 19.49% annual interest rate
    • Annual card fee of $24
    • CHOICE REWARDS® Program
    • 1,000 reward points upon card approval
    • MasterPurchase®, MasterTrip®

    Apply Now >

    More Information

    Find out how fast and easy rewards are with the Low Fee CHOICE REWARDS MasterCard®!

    Apply Now > and upon approval receive 1,000 CHOICE REWARDS® Points

    What is the CHOICE REWARDS® Program? Expand/Collapse

    The CHOICE REWARDS® Program allows the cardholder to earn and redeem points for:

    • Unrestricted travel
    • Brand name merchandise
    • Gift cards to national retailers and charitable donations
    • Cash

    Core Features:

    • Acceptance at more than 24 million locations worldwide
    • World's largest ATM network
    • 24-hour lost/stolen card assistance
    • Emergency cards and emergency cash

    Features:

    • CHOICE REWARDS® Program
    • MasterTrip®
    • Credit Card Registry
    • MasterPurchase®
    • Extended Warranty

    MasterTrip® Expand/Collapse

    Trip Cancellation Insurance

    • Applies if you, a family member, or a travelling companion falls ill, experiences serious injuries or passes on unexpectedly, requiring you to cancel your tickets at the last minute
    • Coverage applies to cardholders, spouse and dependent children travelling with you
    • Tickets will be refunded to $1,000 per account per trip

    Common Carrier Travel Accident Insurance

    • Up to $100,000 coverage when you purchase your ticket with your MasterCard card

    Baggage Delay

    • Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours

    Credit Card Registry

    • Register all your credit cards at one location
    • If lost or stolen, one call cancels them all
    • No additional fee for this service

    Benefits are underwritten by American Bankers Insurance Company of Florida, an Assurant SoultionsTM company.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterPurchase® Expand/Collapse

    90-day Purchase Protection

    • Protection against loss, theft and damage for items purchased with your MasterCard card
    • Items will be replaced or repaired, or you will be reimbursed the purchase price
    • Items given as gifts are also covered
    • Some limitations apply - see the certificate of insurance when you receive your card

    Extended Warranty

    • The manufacturer's warranty is automatically extended for up to two additional years for items purchased with your MasterCard card
    • Items must have a valid warranty in Canada
    • Some limitations apply - see the certificate of insurance when you receive your card

    Benefits are underwritten by American Bankers Insurance Company of Florida, an Assurant SolutionsTM company.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    Business MasterCard®

    Get the credit – and cash back – you deserve.

    Business MasterCard®

    • Annual Fee: No Fee
    • $75 with Cash-Back option
    • Additional Card: No fee
    • Grace Period: 21 days
    • Interest Rate: 16.99%
    • Credit Limit: variable*

    Apply In Branch >

    More Information

    Give your business the credit it deserves. Expand/Collapse

    Our Business MasterCard is the perfect solution for small business and corporate clients who want financial convenience and extra control. Any number of names can appear on your account, and you can customize credit limits at the individual card level to match your operational needs and risk tolerance.

    Choose our Cash-Back option and you'll be rewarded with the return of up to 1% of your purchase value. If you make a lot of company purchases each month, that can add up to more buying power. Making business purchases online? Protect your card at no extra charge with a MasterCard Secure Code.

    Choose between two different payment methods. Expand/Collapse

    • Consolidated Pay – One main control account and one sub-account per employee; statements are mailed to the account administrator.
    • Individual Pay – Each employee has an individual account; statements are mailed directly to each cardholder with a consolidated statement to your administrator.

    Optional Cash-Back Program Expand/Collapse

    With the cash-back option, you earn back a percentage of your monthly net retail transactions.

    Cash back is calculated based on a tier system:

    Net new purchase charged to the account total: The primary account holder will earn: So monthly earnings could be:
    $0 to $5,000 5% cash back Up to $25
    $5,001 to $10,000 .75% cash back Up to $75
    $10,001 or more 1% cash back NO LIMIT
    • You can let your cash back accumulate and carry over from month to month, then call to have it credited to your account at any time.
    • A minimum of $25 in cash back must be accumulated in order to redeem.

    MasterTrip® Expand/Collapse

    • Common carrier travel accident insurance - up to $1,000,000 coverage when your ticket is purchased with your MasterCard.
    • Unexpected return home benefits - in the event of a death in your immediate family, you are covered for up to $2,000 for return travel.
    • Baggage Delay - if your luggage is delayed or misdirected for more than 6 hours, you're covered for up to $200 in emergency purchases of essential items.

    MasterPurchase® Expand/Collapse

    90-day purchase protection:

    • Protection against loss, theft and damage for most items purchased with your MasterCard.
    • Items will be replaced or repaired, or you will be reimbursed the purchase price.
    • Items given as gifts are also covered.
    • Some limitations apply.

    Extended warranty:

    • The manufacturer's warranty is automatically extended for up to two additional years for most items purchased with your MasterCard.
    • Warranty must be valid in Canada. Other limitations apply; see the certificate of insurance when you receive your card.

    MasterRental® Expand/Collapse

    When you rent a car with your MasterCard, you're protected with:

    • Collision damage waiver benefit - equivalent to that offered by the car rental company, provided you decline the car rental company's optional collision damage waiver.
    • Car rental accidental death and dismemberment benefits – up to $300,000 per accident.
    • Personal effects benefits – if your rental car is damaged or stolen, any personal effects in the car are covered up to $1,000 per insured person, up to $1,000 per rental period.

    MasterLegal® Expand/Collapse

    Legal referrals and payment assistance - in those countries that the MasterAssist Operations Centre deems safe for travel, you will be assisted in locating a legal advisor and in paying legal fees up to $5,000 (billable to your MasterCard account and subject to credit availability).

    No Fee CHOICE REWARDS

    No Fee CHOICE REWARDS MasterCard®

    • 19.99% annual interest rate
    • NO annual card fee
    • CHOICE REWARDS® Program
    • One CHOICE REWARDS® point for every two dollars charged for net retail purchase
    • MasterTrip®

    Apply Now >

    More Information

    Enjoy being part of the CHOICE REWARDS program without the annual fee!

    Apply Now >

    What is the CHOICE REWARDS® Program? Expand/Collapse

    The CHOICE REWARDS® Program allows the cardholder to earn and redeem points for:

    • Unrestricted travel
    • Brand name merchandise
    • Gift cards to national retailers and charitable donations
    • Cash

    Core Features:

    • Acceptance at more than 24 million locations worldwide
    • World's largest ATM network
    • 24-hour lost/stolen card assistance
    • Emergency cards and emergency cash

    Features:

    • CHOICE REWARDS® Program
    • MasterTrip®

    MasterTrip® Expand/Collapse

    Common Carrier Travel Accident Insurance

    • Up to $100,000 coverage when you purchase your ticket with your MasterCard card

    Baggage Delay

    • Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours

    Benefits are underwritten by American Bankers Insurance Company of Florida, an Assurant SoultionsTM company.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    Student CHOICE REWARDS

    Student CHOICE REWARDS MasterCard®

    • 19.49% annual interest rate
    • NO annual card fee
    • CHOICE REWARDS® program
    • MasterTrip®
    • MasterPurchase®
    • Common Carrier Travel Accident Insurance

    Visit your Local Branch to apply.

    More Information

    Enjoy being part of the CHOICE REWARDS program without the annual fee!

    Please locate your local branch to Apply Now. Upon approval receive 1,000 CHOICE REWARDS® points!

    What is the CHOICE REWARDS® Program? Expand/Collapse

    The CHOICE REWARDS® Program allows the cardholder to earn 1 point per dollar charged for net retail purchases and redeem points for:

    • Unrestricted travel
    • Brand name merchandise
    • Gift cards to national retailers and charitable donations
    • Cash

    Core Features:

    • Acceptance at more than 24 million locations worldwide
    • World's largest ATM network
    • 24-hour lost/stolen card assistance
    • Emergency cards and emergency cash

    Features:

    • CHOICE REWARDS® Program
    • MasterTrip®
    • Common Carrier Travel Accident Insurance
    • MasterPurchase®

    MasterTrip® Expand/Collapse

    Common Carrier Travel Accident Insurance

    • Up to $500,000 coverage when you purchase your ticket with your MasterCard card

    Baggage Delay

    • Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours

    Benefits are underwritten by American Bankers Insurance Company of Florida, an Assurant SolutionsTM company.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    MasterPurchase® Expand/Collapse

    90-day Purchase Protection

    • Protection against loss, theft and damage for items purchased with your MasterCard card
    • Items will be replaced or repaired, or you will be reimbursed the purchase price
    • Items given as gifts are also covered
    • Some limitations apply - see the certificate of insurance when you receive your card

    Extended Warranty

    • The manufacturer's warranty is automatically extended for up to two additional years for items purchased with your MasterCard card
    • Items must have a valid warranty in Canada
    • Some limitations apply - see the certificate of insurance when you receive your card

    Benefits are underwritten by American Bankers Insurance Company of Florida, an Assurant SolutionsTM company.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

    Low Rate MasterCard®

    Low Rate MasterCard®

    • 11.99% annual interest rate
    • NO additional card fee
    • $30 annual card fee
    • MasterTrip®
    • NOTE: not part of the CHOICE REWARDS® program

    Apply Now >

    More Information

    The perfect balance between a low interest rate and major credit card flexibility. Borrow the funds you need for larger purchases with a lower interest rate and all the purchase flexibility of a major credit card.

    Apply Now >

    Core Features

    • Acceptance at more than 24 million locations worldwide
    • World's largest ATM network
    • 24-hour lost/stolen card assistance
    • Emergency cards and emergency cash

    Features:

    • MasterTrip®

    MasterTrip® Expand/Collapse

    Common Carrier Travel Accident Insurance

    • You are covered for up to $100,000 in the event of an accident when you purchase your ticket with your MasterCard®

    Baggage Delay

    • Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours

    Benefits are underwritten by American Bankers Insurance Company of Florida, an Assurant SolutionsTM company.

    Toll free 1-800-315-2051
    Collect 905-305-4255
    Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

     

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