Low Fee Gold Mastercard with Choice Rewards

Discover Low Fee Gold

Annual Fee:  $59 
Additional Card: No Fee 
Grace Period: 21 days
Interest Rate: 19.49%
Credit Limit: $500 - $30,000

This card includes all the features of the Low Fee Gold MasterCard card, as well as the CHOICE REWARDS program. If you want free merchandise and travel - with no restrictions - this is the card for you!


  • CHOICE REWARDS® program
  • Trip Cancellation Insurance
  • Accidental Death Insurance
  • MasterTrip® 
  • MasterPurchase® 
  • MasterRental® 
  • MasterLegal® 
  • Optional Balance Protection Insurance

Core features:

  • Global Acceptance at 17 million locations worldwide
  • ATM Access at over 890,000 locations
  • 24-hour lost/stolen card assistance
  • Emergency cards and emergency cash
  • Master RoadAssist® 24-hour roadside assistance at pre-set rates

Apply now for a Low Fee Gold MasterCard with CHOICE REWARDS and receive 1,000 CHOICE REWARDS points!


  • Earn 1 point for every $1.00 charged for retail purchases and balance transfers
  • Redeem points for brand-name merchandise from the CHOICE REWARDS catalogue
  • Redeem points for free travel from the CHOICE REWARDS travel agency
  • No restrictions on travel:
    • Any seat
    • Any carrier (airline, cruise, ski package, etc.)
    • Any travel time (even during seat sales and blackout periods)
    • Any destination

Trip Cancellation Insurance

  • Applies if you, a family member, or a travelling companion falls ill, experiences serious injuries or passes on unexpectedly, and requires you to cancel your tickets at the last minute
  • At least 75% of the down payment for the trip must have been paid with your MasterCard card.
  • Tickets will be refunded to $1,000 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 a portion or all of 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
  • Emergency Cash Transfer
  • Lost Document and Ticket Replacement
  • Lost Luggage Assistance
  • Pre-Trip Information


  • 90-day Purchase Protection
  • Protection against loss, theft and damage for 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 - see the certificate of insurance when you receive your card

Extended Warranty

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


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 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 $2,000 per rental period


  • 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)

Optional Balance Protection Insurance

  • Protection if your earnings are affected by job layoff, involuntary dismissal, disability, illness or accident
  • Payment is made on your MasterCard account until you return to work, up to $10,000
  • In the event of loss of life, your entire account will be paid off, up to $10,000
  • Premium is $0.80 cents for every $100 of outstanding balance
  • You do not pay a premium if you do not carry a balance

Master RoadAssist®

  • 24-hour roadside assistance at pre-set rates
  • Acess the service via a toll-free number
  • Service is charged to your MasterCard account
  • No membership fee

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