Gold Mastercard with Choice Rewards

Discover Global Gold

Annual Fee:  $120
Additional Card:  No Fee 
Grace Period:  21 days 
Interest Rate:   18.75% 
Credit Limit:  $5,000 - $50,000 

The card includes all the features of the Gold MasterCard card, as well as the CHOICE REWARDS program. CHOICE REWARDS lets you collect points whenever you use your MasterCard card, and redeem them for free merchandise and any kind of travel - not just air travel!


  • CHOICE REWARDS® program
  • Out-of-Province/Country Travel Health Plan (up to 70 years)
  • Trip Cancellation Insurance (up to 70 years)
  • 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 Gold MasterCard card with CHOICE REWARDS and receive 1,000 CHOICE REWARDS points!


  • Earn 1 point for every $1.00 charged for retail purchases or 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

Out-of-Province/Country Travel Health Plan

  • Out-of-Province/Country Medical Insurance
  • covers the first 31 days of each trip outside your home province or country
  • coverage is up to $1,000,000, and includes:
    • hospital and health care professional services
    • prescriptions and treatments
    • emergency dental care
    • transportation and ambulance services
    • return home, if required for further medical attention
    • friend and family hospital visits
    • return of deceased
  • coverage applies to cardholders up to age 70
  • top-up insurance is available for up to 180 days

Travel Assistance

24-hour assistance to:

  • confirm coverage and payment
  •  arrange for medical evaluation
  • transfer to another medical facility, if required
  • assist in contacting your family or business partner
  • Review the certificate of insurance when you receive your card.

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
  • Coverage applies to cardholders up to age 70
  • 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 a portion or all of your ticket is purchased with your MasterCard card
  • 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 card
    • Items will be replaced or repaired, or you will be reimbursed the purchase price
    • tems 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 card
    • 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
  • Access the service via a toll-free number
  • Service is charged to your MasterCard account
  • No membership fee

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