Gold CHOICE REWARDS Mastercard

This card includes all the features of the Gold Mastercard®, as well as the CHOICE REWARDS® Loyalty Program.  CHOICE REWARDS® lets you collect points whenever you use your Mastercard® Credit Card and redeem them for free merchandise and any kind of travel - with no restrictions!


  • Protects items you purchase with your card and extends their warranty.

  • Offers exceptional protection and peace of mind while traveling, whether flying, renting a car, or traveling with your own vehicle.

  • Receive Choice Rewards when you use your card. Redeem these rewards for great merchandise, gift cards, and trips.

  • Build credit while using.

  Gold CHOICE REWARDS® Mastercard®
Annual fee $120 per year
Additional Card No Fee
Grace Period 21 days
Interest Rate 19.49%
Credit Limit $5,000 - $35,000
  • Out-of-Province/Country Travel Health Plan
  • MasterTrip®
  • MasterPurchase®
  • MasterRental®
  • MasterLegal®
  • Optional Balance Protection Insurance 
  Apply Online

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

Apply Now for a Gold CHOICE REWARDS® Mastercard®
and receive 1,000 CHOICE REWARDS® points!


  • Earn 1 point for every dollar charged for net retail purchases
  • 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

Out-of-Province/Country Travel Medical Insurance

  • Out-of-Province/Country Emergency Medical and Dental Coverage
    • Coverage is for the first 31 days of each trip outside your province or territory of residence.
    • coverage is up to $2,000,000, per insured person and includes:
      • hospital inpatient room and board charges, up to semi-private ward or the equivalent
      • emergency medical treatment (including x-rays and lab) and prescription drugs prescribed because of an emergency condition (limited to a 30 day supply)
      • up to $350 per profession for professional fees for emergency treatment by a licensed physiotherapist, chiropractor, chiropodist or podiatrist
      • emergency dental treatment (including x-rays and lab); also covers up to $250 to relieve dental pain
      • emergency medical transportation to an appropriate medical facility
      • return to your province or territory of residence, if Allianz Global Assistance's consulting physician determines you are medically able to and recommends you return home
      • friend or family hospital visits if insured person is travelling alone and hospitalized as an inpatient for more than 3 consecutive days
      • up to $5,000 for repatriation of remains
      • return of dependent children if insured person is hospitalized more than 24 hours or must return to Canada due to their emergency medical condition covered under this insurance
      • up to $2,000 for return of vehicle
    • Emergency Travel Assistance Services
      • 24-hour assistance to:
        1. confirm emergency medical coverage and direct insured person to medical facility
        2. arrange and pay for emergency medical transportation services
        3. keep in contact with you and your treating physician
        4. provide travel document and ticket replacement assistance
        5. provide legal assistance
        6. provide emergency cash transfers
        7. provide emergency messaging assistance
    • Coverage applies to:
      • primary cardholder under the age of 75
      • his/her spouse under the age of 75
      • eligible dependent children
      • who meet the following eligibility requirements:
        1. resident of Canada
        2. covered under a Government Health Insurance Plan for the full duration of the coverage period; and
        3. not employed outside of Canada on a full or part-time basis

Optional extension of coverage is available by calling 1-866-520-8827. The additional coverage may require the completion of a medical questionnaire.

Please note this is not a certificate of insurance. All benefits and coverages outlined above are subject to the provisions as outlined in the certificate of insurance that accompanies your card. In the event of a conflict between the description above and the certificate of insurance, the certificate of insurance shall govern. Coverage is underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Allianz Global Assistance is the administrator of the inclusive travel medical program. For purposes of the Insurance Companies Act (Canada), this insurance is issued by Allianz Global Risks US Insurance Company's insurance business in Canada.


Trip Cancellation Insurance

  • Charge at least 75% of your trip to your Mastercard Card
  • Applies if you, a family member, or a travelling companion falls ill, experiences serious injuries or passes on unexpectedly, requiring you to cancel your tickets at the last minute
  • Coverage applies to cardholders and your spouse 69 years of age and under, and dependent children travelling with you
  • Tickets will be refunded up to $3,000 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 you purchase your ticket with your Mastercard Card

Baggage Delay

  • Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours

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 Assistance Services

  • Emergency Cash Transfer
  • Lost Document and Ticket Replacement
  • Lost Luggage Assistance
  • Pre-Trip Information

Insurance benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant Solutions™ companies. Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.


  • 90-day Purchase Protection
    • Protection against loss, theft and damage for items purchased with your Mastercard card
    • Items will be replaced or repaired, or you will be reimbursed the purchase price
    • Items given as gifts are also covered
  • Extended Warranty
    • The manufacturer's warranty is automatically extended for up to two additional years for items purchased with your Mastercard Card
    • Items must have a valid warranty in Canada

Benefits are underwritten by American Bankers Insurance Company of Florida, an Assurant SolutionsTM company. Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with 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 coverage per accident for you, your spouse and dependent children
  • 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

Benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies. Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.


  • 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)

Please refer to the Emergency Assistance Services section in the Certificate of Insurance for specific terms, conditions and limitations.

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

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