Annual Fee: No Fee Additional Card: No Fee Grace Period: 19 days Interest Rate: 19.99% Interest Rate for Accounts in Default: 21.99% Credit Limit: $1,000 - $50,000 No Fee CHOICE REWARDS® MasterCard® Convenience, At No Cost This no fee card features CHOICE REWARDS, and the convenience and security of a MasterCard Credit Card. Features CHOICE REWARDS Program MasterTrip® Optional Balance Protection Insurance Core features: World-wide global acceptance serving consumers in 210 countries and territories World's largest ATM network 24-hour lost/stolen card assistance Emergency cards and emergency cash Master RoadAssist® 24-hour roadside assistance at pre-set rates CHOICE REWARDS Program Earn 1 point for every $2 charged for retail purchases and initial balance transfer 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 MasterTrip® Common Carrier Travel Accident Insurance You're covered for up to $100,000 in the event of an accident when you purchase your ticket with your MasterCard Baggage Delay Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours Optional Balance Protection Insurance Protection if your earnings are affected by job loss, disability, accident, illness or loss of life 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 90 cents for every $100 of account balance on each billing date. Taxes may apply in certain provinces Master RoadAssist® 24-hour roadside assistance at pre-set rates Access the service via a toll-free number Service is charged to your MasterCard account No membership fee