Gold Credit Card Benefits
- Introduction to Credit Cards
- Credit Card Interest Rates Charges
- Credit Card Positive Benefits
- Credit Card Negative Results
- Credit Cards In Canada
- How to Select a Credit Card
- How to Select a Gold Credit Card
- How to Select a Platinum Credit Card
Credit Cards: Gold Card Benefits in Canada
The gold credit card industry has become very competitive and creative with the benefits they offer their customers to entice them into selecting their gold credit cards. Some of the benefits offered by credit card companies in Canada range from Travel Insurance, Road Side Assistance, Medical Insurance, Car Rentals, Flights, Flight Delay, Baggage Protection, Extended Warranty Insurance, Movie Tickets and much more. For a complete list of benefits your gold credit card company offers you, it is best to check with them directly.
Please keep in mind that gold credit cards offer these benefits at a higher base interest rate. Make sure that the benefits they offer will be used or you are paying more interest than you should!
Canadian Standard Credit Card Benefits Sheet
The information contained in this table is updated periodically by FCAC. Financial institutions can change the costs as well as the terms and conditions of their products at any time. Contact the financial institutions directly if you wish to obtain the latest information on their products.
| Issuer / Name of Card |
Travel Insurance1 | Purchase Protection and Extended Warranty | |||||
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| Accident | Trip Cancel. and/or Interrup. |
Medical | Car Rental | Flight Delay | Baggage | ||
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BMO Bank of Montreal
Gold AIR MILES MasterCard with Low Rate Option |
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Capital One Bank
Guaranteed Low Rate MasterCard |
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Citizens Bank of Canada
Shared Interest Gold My VISA Reward Plus with Low Interest Rate Option |
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2
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Citizens Bank of Canada
Shared Interest Gold VISA with Low Interest Rate Option |
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2
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Coast Capital Savings
Coast VISA Desjardins Modulo Gold |
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Coast Capital Savings
Low Interest Rate Coast VISA Desjardins Elegance Gold |
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Coast Capital Savings
Low Interest Rate Coast VISA Desjardins Odyssey Gold |
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Desjardins
Low Interest Rate VISA Desjardins Elegance Gold |
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Desjardins
Low Interest Rate VISA Desjardins Elegance Gold with 1% Bonusdollars |
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Desjardins
Low Interest Rate VISA Desjardins Odyssey Gold |
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Desjardins
VISA Desjardins Modulo Gold |
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HSBC Bank Canada
Low Rate HSBC Gold MasterCard |
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HSBC Bank Canada
Low Rate HSBC Gold MasterCard (with rewards) |
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National Bank
Reduced rate OVATION Gold MasterCard |
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Vancity Credit Union
EnviroGold VISA Low Interest Rate Option |
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Vancity Credit Union
EnviroGold VISA My VISA Rewards Plus with Low Interest Rate Option |
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Westminster Savings Credit Union
Low Interest Rate VISA Desjardins Elegance Gold |
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Westminster Savings Credit Union
Low Interest Rate VISA Desjardins Odyssey Gold |
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Westminster Savings Credit Union
VISA Desjardins Modulo Gold |
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| Issuer / Name of Card |
Travel Insurance1 | Purchase Protection and Extended Warranty | |||||
|---|---|---|---|---|---|---|---|
| Accident | Trip Cancel. and/or Interrup. |
Medical | Car Rental | Flight Delay | Baggage | ||
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ATB Financial
Gold Cash Rewards MasterCard |
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ATB Financial
Gold My Rewards MasterCard |
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BMO Bank of Montreal
Gold AIR MILES MasterCard |
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Capital One Bank
Guaranteed Cash Back MasterCard for Gas and Groceries |
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Capital One Bank
Guaranteed MasterCard |
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Capital One Bank
Guaranteed MasterCard for Newcomers |
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CIBC
Aerogold VISA Card |
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CIBC
Aventura Gold VISA Card |
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CIBC
Gold VISA Card |
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Citibank Canada
Citi Gold MasterCard |
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Citizens Bank of Canada
Shared Interest Gold My VISA Rewards Plus Option |
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2
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Coast Capital Savings
Coast VISA Desjardins Elegance Gold |
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Coast Capital Savings
Coast VISA Desjardins Modulo Gold |
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Coast Capital Savings
Coast VISA Desjardins Odyssey Gold |
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CUETS Financial
Gold CHOICE REWARDS MasterCard |
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CUETS Financial
Gold MasterCard |
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CUETS Financial
Low Fee Gold CHOICE REWARDS MasterCard |
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CUETS Financial
Low Fee Gold MasterCard |
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Desjardins
VISA Desjardins Elegance Gold |
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Desjardins
VISA Desjardins Elegance Gold with 1% Bonusdollars |
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Desjardins
VISA Desjardins Modulo Gold |
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Desjardins
VISA Desjardins Odyssey Gold |
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HSBC Bank Canada
HSBC Gold MasterCard |
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HSBC Bank Canada
HSBC Gold MasterCard (with rewards) |
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JPMorgan Chase Bank NA
Chase MasterCard |
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Laurentian Bank
VISA Gold Passport |
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MBNA Canada Bank
Gold MasterCard |
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National Bank6
OVATION Gold MasterCard |
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RBC Royal Bank
RBC Rewards VISA Gold |
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RBC Royal Bank
VISA Gold Preferred |
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Scotiabank
No-Fee ScotiaGold VISA Card |
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Scotiabank
ScotiaGold Passport VISA Card |
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TD Canada Trust
TD Gold Elite VISA |
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TD Canada Trust
TD Gold Select VISA |
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Vancity Credit Union
EnviroExpenseGold My VISA Rewards Plus |
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Vancity Credit Union
EnviroGold VISA My VISA Rewards Plus |
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Westminster Savings Credit Union
VISA Desjardins Elegance Gold |
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Westminster Savings Credit Union
VISA Desjardins Modulo Gold |
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Westminster Savings Credit Union
VISA Desjardins Odyssey Gold |
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This option is offered for an additional fee.
This option is included in the annual card fee.
1. This is not a complete list of all rewards and benefits offered by credit card issuers. For more details about other rewards and benefits that are offered for additional fees, check with the credit card issuer.
2. This also includes price protection, which helps ensure that cardholders do not pay too much for most purchases made in Canada.
3. This also includes price protection, which helps ensure that cardholders do not pay too much for most purchases made in Canada. If, within 60 days of making a purchase, a cardholder sees the same item in Canada advertised at a lower price, they will be reimbursed for the difference. Total cardholder price protection claims must not exceed $1,000 in any calendar year. The full cost of items are charged to the Vancity Envirogold VISA card.
4. Trip cancellation is optional; Trip interruption is included.
5. The maximum duration of the coverage is 31 days for travellers who are under 65.
6. National Bank also has an extensive list of affinity credit cards. For more information on affinity cards visit their web site.
7. Trip interruption only
