YOU MUST BE A CANADA RESIDENT TO APPLY

How Smart Cash Works

• Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months‡ 
• Up to 2% cash back on eligible gas and grocery purchases thereafter‡ 
• And, up to 1% cash back on all of your other eligible purchases‡ 
• 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months 
• Enjoy free online access to your credit card account 
• And, with no annual fee and free additional cards you’ll start to see the benefits right away.

Rewarding yourself is easy

• Once your cash back totals at least $50 at the end of a monthly billing cycle, we’ll automatically mail you a cheque‡ - it’s that simple.