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Annual fees and fixed annual interest rates (like the interest rate on purchases and the interest rate on cash advances) are subject to change with 30 days' notice.

® BONUSDOLLARS is a registered trademark of Fédération des caisses Desjardins du Québec. Back to note reference ® note

® Mastercard, World and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Back to note reference ®

® Odyssey is a registered trademark of the Fédération des caisses Desjardins du Québec. Back to note reference ®

* Trademark of Visa International Service Association and used under license. Back to note reference *

1. If you don't make the minimum payment by the due date, the annual interest rates on purchases and cash advances will increase to 19.9% until we receive your payment. Back to note reference [ 1 ]
2. You have 25days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases and monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 10.9% and your average daily outstanding balance is $100, you'd be charged $0.90 in interest. If it's $500, you'd be charged $4.48 in interest, and if it's $1,000 you'd be charged $8.96 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 12.9% and your average daily outstanding balance is $100, you'd be charged $1.06 in interest. If it's $500, you'd be charged $5.30 in interest, and if it's $1,000 you'd be charged $10.60 in interest. Back to note reference [ 2 ]
3. Purchase protection and the extended warranty provide coverage when you use this card to purchase most items Back to note reference [ 3 ]
4. You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases, monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 20.9% and your average daily outstanding balance is $100, you'd be charged $1.72 in interest. If it's $500, you'd be charged $8.59 in interest, and if it's $1,000 you'd be charged $17.18 in interest. If the regular annual interest rate is 21.9% and your average daily outstanding balance is $100, you'd be charged $1.80 in interest. If it's $500, you'd be charged $9.00 in interest, and if it's $1,000 you'd be charged $18.00 in interest. Back to note reference [ 4 ]
5. Eligibility requirements: Must have an eligible account. Primary card holder on the account must be a member of Fédération des caisses Desjardins du Québec or Fédération des caisses populaires de l'Ontario inc. Back to note reference [ 5 ]
6. You have 21days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases, monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 11.9% and your average daily outstanding balance is $100, you'd be charged $0.98 in interest. If it's $500, you'd be charged $4.89 in interest, and if it's $1,000 you'd be charged $9.78 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 12.9% and your average daily outstanding balance is $100, you'd be charged $1.06 in interest. If it's $500, you'd be charged $5.30 in interest, and if it's $1,000 you'd be charged $10.60 in interest. Back to note reference [ 6 ]
7. Cardholders must enroll for this benefit through the Visa Infinite Privilege website or through the Visa Infinite Privilege Concierge, and must have a valid Visa Infinite Privilege card linked to their Priority Pass membership at all times. Six lounge visits are complimentary per membership year for the enrolled cardholder to use for themselves or for their guests. Membership includes access to any airport lounge participating in Priority Pass’ lounge access program. To access a lounge, cardholder must show a valid Priority Pass membership card. All additional visits beyond the complimentary visits are subject to a fee of $32 US per person per visit (subject to change). Applicable lounge access charges will be billed to the Visa Infinite Privilege card connected to cardholder’s Priority Pass membership. Priority Pass membership will be cancelled if your Visa Infinite Privilege card is cancelled, or is no longer linked to your Priority Pass membership. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. To view a full list of participating airport lounges, their facilities, opening times and restrictions, cardholders can visit www.prioritypass.com - External link. This link will open in a new window. Enrolled cardholders are subject to Terms and Conditions for the global lounge membership program and the individual lounge operators'; terms of use for the participating lounges visited, available at www.prioritypass.com - External link. This link will open in a new window. Priority Pass’ Terms and Conditions will be sent to cardholder upon enrolment. The Airport Lounge Access services are provided by Priority Pass and neither Visa nor the Issuer is responsible for any claims or damages arising from use of the Airport Lounge services. Visa reserves the right to modify or cancel this offer at any time and without notice. Back to note reference [ 7 ]
8. The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Privilege Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representation or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Privilege Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ request in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Privilege Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite Privilege card. Back to note reference [ 8 ]