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CAA card

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CAA Rewards Mastercard

The card to enhance your CAA Dollars cashback

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Be a member of one of the participating CAA Clubs*

CAA card


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cashback in CAA Dollars1


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Annual fee


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Interest rate (balance transfers and cash advances)2-3

 

This card is perfect if you are a CAA member and want to earn rewards faster. It includes a basic travel insurance: great for your getaways!

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additional cashback

Additional cashback

Double your cashback on eligible CAA participating services and products (CAA travel Boutique and online stores).1

Comprehensive travel insurance

Travel insurance

Coverage in case of lost or delayed luggage or an accident aboard a common carrier.4

Purchase protection

Purchase protection

Protect your new purchases from loss, theft or damage for up to 90 days after the date of purchase.5

Extended warranty

Extended warranty

Get up to double the manufacturer's warranty for most items purchased using your credit card.5

Fraud protection

Fraud protection

Benefit from Mastercard's Zero Liability policy6—you won't be liable for unauthorized transactions completed with your card.

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Promotional Rate

Benefit from a rate of 0.9% on balance transfers and cash advances for the first 9 billing cycles.7

Check out what you can earn

You can earn up to

90 CAA Dollars

per year

By charging

$750/month

to your card

How to take advantage of your cashback?

  

step 1

Apply for your card

To be eligible you need to:

  • Have the age of majority in the province or territory where you live and be a Canadian resident
  • Be a member of one of the participating CAA Clubs

*See all criteria

Ready to apply?

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Not sure yet? Compare cards

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Friends dining

  

step 2

Pay with your card

Earn 1 CAA Dollar for every $100 of eligible purchases. When buying through CAA participating merchant, get 1% additional cashback. 1

  

step 3

Use your cashback

Redeem points for your CAA membership renewal, tickets to movies and shows, travel discounts and more! To get your CAA Dollars, contact your CAA Club.

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Not sure yet?

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Ready to start using the CAA Rewards Mastercard? Completing an application takes just a few minutes.

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Little details that matter

Eligibility criteria

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CAA member

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Annual fee and interest rate

Annual fee 2

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Annual fee for additional card

$0

Interest rate on purchases 8

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Interest rate on balance transfers and cash advances 2-3

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Minimum credit limit 8

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CAA Rewards Plan

Number of CAA Dollars per dollar spent 1

$100 in eligible purchase = 1 CAA Dollars

Earn an additional $1 for every $100 in purchases at participating CAA stores.

Get a bonus 25 CAA Dollars!*

*If your CAA Rewards Mastercard account is over $15,000 in eligible purchases. Expenses must have been made over the current year.

Redeeming CAA Dollars

To redeem your CAA Dollars, contact your CAA Club.

CAA Rewards Plan details 1

See Terms and Conditions – National Bank CAA Rewards Mastercard Program [PDF] for details.

Insurance

Distribution guide and insurance certificate

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Zero Liability 6

Included

Purchase protection against theft or damage 5

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Extended warranty 5

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Baggage insurance in case of delay 4

Up to $100 per day for up to 3 days (for a delay of 4 hours or more)

Travel insurance in case of accident aboard a common carrier4

Up to $1,000,000

Important phone numbers

Customer service (24/7)

Insurance claim

Lost or stolen card

Cardholder Agreement

To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Cardholder Agreement":"":"_blank"}[PDF].

Confidentiality Policies

To learn about how we protect your information, consult our Confidentiality Policies.

Legal Disclaimers

® The registered trademarks of CAA, CAA logo, CAA Rewards and CAA Dollars trademarks owned by, and use is authorized by, the Canadian Automobile Association.

®  Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

 

1. You will qualify to earn CAA Dollars as soon as your card is activated and purchases are made, unless your account is not in good standing, your account has been suspended or terminated or other qualifications for eligibility are not met.

1% Cashback: You will earn CAA Dollars equivalent to 1% of eligible purchases made using your Credit Card. You will earn 1 CAA Dollar for every $100 of eligible purchases made with your Credit Card.

1% Additional Cashback: You will earn additional CAA Dollars cashback equivalent to 1% of eligible purchases made using your Credit Card. To be eligible, your purchases must be made through a participating merchant associated with an eligible Mastercard code at participating CAA stores and travel centres. Lists of these participating CAA stores and travel centres are available on CAA club websites. Mastercard codes are subject to change.

You cannot earn CAA Dollars on the following transactions that are made with your Credit Card, since they do not qualify as eligible purchases: cash advances, balance transfers, cash-like transactions, Mastercard cheques, payments and credits to the Credit Card account, interest charges, non-interest charges (e.g., annual fees, currency conversion fees and insurance premiums) and purchase returns.

2. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Examples of credit charges

Example of credit charges over a 30-day period:

Annual interest rate

Average balance

 

$500

$3,000

22.99%

$9.45

$56.69

20.99%

$8.63

$51.76

14.5%

$5.96

$35.75

8.9%

$3.66

$21.95

*Variable interest rate in effect on July 1, 2019.

3. Subject to credit approval by National Bank. Each balance transfer must be at least $250.

4. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, his/her spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

5. This coverage applies to purchases charged to the National Bank CAA rewards card. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

6. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

7. Promotional Rate For Balance Transfers and Cash Advances : A promotional rate of 0.9% is available for the first 9 billing cycles (subject to a separate credit approval). The card could be issued without the promotional rate. At the end of the promotional period, the interest rates indicated in the table above (22,99%) will apply to balance transfers and cash advances on your next statement.

8. Subject to credit approval by National Bank.

Ready to start using the CAA Rewards® Mastercard®?

It takes just a few minutes to apply!

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