MasterCard Credit Cards
Regular rate on purchases: 19.99% / No fee
Regular rate on balance transfers and cash advances: 21.99%
Minimum credit limit
$500 (depending on your credit file)
1. Get up to 2.5% back on your purchases at Ultramar
A rebate of up to 2.5%, based on the total amount of your monthly purchases at Ultramar, will be credited to your account.
If the total Ultramar purchases charged to your card during the year amount to $2,500 or more, you will also receive an additional annual rebate of 0.5%.
|Total monthly amount||Monthly rebate|
|$0.01 to $100||1 %|
|$100.01 and over||2 %|
|Total annual amount||Additional rebate|
|$2.500 and over||0.5 %|
2. Get up to 1.25% back on all purchases made elsewhere
What's more, you will get an annual rebate of up to 1.25% on all purchases made with your Ultramar MasterCard at retailers other than Ultramar or Home Heating, anywhere, anytime*!
* All purchases charged to your Ultramar MasterCard will be considered when calculating your rebate, exept those made at Ultramar and Home Heating.
|Annual total charged to card||Rebate **|
|$0 to $6 000||0.25 %|
|$6 000.01 to $9 000||0.50 %|
|$9 000.01 and over||1.25 %|
|** Rebate on purchases made elsewhere than at Ultramar*|
3. Get up to 2.5% back on your purchases at Home Heating
Every time you pay your Home Heating heating oil bill with your Ultramar MasterCard, you automatically enjoy a rebate of 2.5%. This applies to all heating oil, equipment and any other product purchased at Home Heating using your Ultramar card.
*** Please note that the maximum annual rebate for all purchases made with your Ultramar MasterCard is $250.
More than a card: protection2 you can count on
- MasterCard's Zero Liability3
Protects you against all liability if unauthorized purchases are made with your credit card. This coverage extends to purchases made in stores, over the phone or online.
- Purchase protection
Provides coverage in case of theft or damage for a period of 90 days following the date of purchase.
- Extended warranty
Doubles the original warranty period, for up to one additional year.
Profit from savings on your gas purchases at Ultramar and heating oil bills at HomEnergy.
|Minimum credit limit||$500|
|Annual fee for primary card||No fee|
|Annual fee for additional card||No fee|
|Regular annual interest rate on purchases||19.99%|
|Regular annual interest rate on balance transfers and cash advances||21.99%|
|CashBack rewards||Description||Cash-Back program on all your purchases.|
|Trip cancellation insurance||No|
|Trip interruption insurance||No|
|Out-of-Province-of-Residence Medical/Hospital Insurance||No|
|Flight delay insurance||No|
|Baggage loss and theft insurance||No|
|Baggage delay insurance||No|
|Purchase insurance||For a period of 90 days following the purchase date|
|Extended warranty on purchases||Doubles the manufacturer's guarantee up to one additional year|
|Vehicle rental insurance||No|
|Travel insurance/Accident insurance while aboard a common carrier||No|
|Medical, general and legal assistance||No|
|Other interesting features|
Get up to 2.5% back a year on your purchases at Ultramar and your heating oil purchases at HomEnergy.
You also get up to 1.25% back on the value of your purchases at retailers other than Ultramar.