Annual Fee: $59 Additional Card: No Fee Grace Period: 21 days Interest Rate: 19.49% Credit Limit: $2,500 - $50,000 Low Fee Gold CHOICE REWARDS® MasterCard® Discover Low Fee Gold This card includes all the features of the Low Fee Gold MasterCard Credit Card, as well as the CHOICE REWARDS Program. If you want free merchandise and travel - with no restrictions - this is the card for you! Features CHOICE REWARDS Program Accidental Death Insurance MasterPurchase® MasterTrip® MasterRental® MasterLegal® 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 Apply now for a Low Fee Gold CHOICE REWARDS MasterCard and receive 1,000 CHOICE REWARDS points! CHOICE REWARDS Program 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 MasterTrip® 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, spouse and dependent children travelling with you. 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 Common Carrier Travel Accident Insurance - Up to $500,000 coverage when a portion or all of your ticket is purchased 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 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 SolutionsTM companies. Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card. MasterPurchase® 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. MasterRental® 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. MasterLegal® 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 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