No Fee Loyalty Mastercard

Convenience, At No Cost

Annual Fee:  No Fee 
Additional Card:   No Fee 
Grace Period:   19 days 
Interest Rate:   18.90% 
Credit Limit:   $1,000 - $50,000  

This no fee card features CHOICE REWARDS®, and the convenience and security of a MasterCard card.


  • CHOICE REWARDS® program
  • Common Carrier Travel Accident Insurance
  • 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


  • Earn 1 point for every $2.00 charged for retail purchases and 1 point for every $1.00 charged for 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 Common

Comon Carrier Travel Accident Insurance 

  • You're covered for up to $100,000 in the event of an accident when a portion or all of your ticket is purchased with your MasterCard

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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