Information about fees and interest rates
| Interest on Purchases: |
19.95% |
| Balance transfer fee: |
3.00% of the amount transferred,
or minimum of $5.00 |
| Promotional Balance transfer interest rate†: |
1.95% interest for the
first 6 months (19.95% after that) |
| Foreign currency conversion: |
2.50% |
| Cash advance: |
$3.50 within Canada, $5.00 outside Canada |
| Interest on Cash Advances: |
19.95% |
| Dishonoured payment: |
$25.00 |
| Over-Limit: |
$25.00 |
| Rush Card: |
$25.00 |
| Past statement reprint: |
$5.00 per statement, no charge for
reprint of current monthly statement |
Grace Period: We calculate interest on any amount owed from the transaction date until that amount has been paid in full. However, we don’t charge interest on new Purchases that appear on your Credit Card Account statement for the first time if we receive payment in full of your Balance (as shown on your Credit Card Account statement) by the Payment Due Date on that statement. This interest-free grace period doesn’t apply to Cash Advances.
See the Disclosure Statement that you will receive with your Card for full details about the fees and rates that apply to your Card.