5% cash back on all of your gas and grocery purchases for the first 6 months?? 3% cash back on gas and grocery purchases thereafter? And, you’ll always earn 1% cash back on all of your other qualifying net retail purchases? 1.99% annual interest rate? (AIR) on balance transfers*, access cheques and deposits* for the first 10 full months Enjoy free online access to your credit card account And, with no annual fee and free additional cards you’ll start to see the benefits right ……