{"id":762094,"date":"2019-02-06T19:25:43","date_gmt":"2019-02-07T00:25:43","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=762094"},"modified":"2026-05-01T16:50:29","modified_gmt":"2026-05-01T20:50:29","slug":"the-most-exclusive-credit-cards-in-the-world","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/the-most-exclusive-credit-cards-in-the-world","title":{"rendered":"The 10 most exclusive credit cards in the world"},"content":{"rendered":"<p>There\u2019s a credit card for everyone out there \u2014 which means there are cards that are explicitly <em>not<\/em> for everyone. We gather the 10 most exclusive credit cards in the world to give you an idea of perks and financial needs your typical millionaire might need. (If you\u2019re a millionaire, then maybe you\u2019ll find a card here to add to your wish list.)<\/p><p>We looked at a card\u2019s luxury factors, including high cost, exclusive membership, construction from precious metals, luxury perks and high credit limits. Of course, a high net worth is a prerequisite for these 10 exclusive cards. And in many cases, membership is extended by invitation only.<\/p><p>Or if you want status without the actual gold and diamonds in your credit card, check out our list of <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/what-is-the-most-prestigious-credit-card\" target=\"_blank\" rel=\"noopener\">the most prestigious credit cards in Canada<\/a>.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h4 class=\"luna-sectionTitle\">Exclusive credit cards in this guide<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-9\"><li><a class=\"scroll\" href=\"#amex\">American Express Centurion<\/a><\/li><li><a class=\"scroll\" href=\"#morgan\">JP Morgan Chase Palladium<\/a><\/li><li><a class=\"scroll\" href=\"#dubai\">Dubai First Royale Mastercard<\/a><\/li><li><a class=\"scroll\" href=\"#coutts\">Coutts World Silk Card<\/a><\/li><li><a class=\"scroll\" href=\"#sberbank\">Sberbank Visa Infinite Gold Card<\/a><\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-9\"><li><a class=\"scroll\" href=\"#eurasian\">Eurasian Diamond Card (Visa Infinite)<\/a><\/li><li><a class=\"scroll\" href=\"#stratus\">Stratus Rewards Visa<\/a><\/li><li><a class=\"scroll\" href=\"#merrill\">The Merrill Lynch Octave Black Card<\/a><\/li><li><a class=\"scroll\" href=\"#santander\">Santander Unlimited Black Card<\/a><\/li><li><a class=\"scroll\" href=\"#luxury\">Luxury Card Gold Card<\/a><\/li><\/ul><\/div><\/div><\/div><\/article><h3>The world\u2019s top 10 most exclusive credit cards<\/h3><h4 id=\"amex\" class=\"luna-sectionTitle\">1. American Express Centurion<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p>Also known as the Black Card, the American Express Centurion is an elusive and exclusive card issued by invitation only. To be invited, you must be an existing American Express cardholder who spends more than US$250,000 a year (or likely the Canadian equivalent). <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/what-is-the-most-prestigious-credit-card\" target=\"_blank\" rel=\"noopener\">This card is available to Canadian American Express credit card holders<\/a>, as well as Americans.Apart from having no credit limit on your card and a rumoured 24\/7 dedicated concierge who will get you practically anything you want, this card offers perks so exclusive that they\u2019ve never been advertised. Premium travel and hotel privileges, rare dining and entertainment experiences, as well as excess insurance for top-of-the-line luxury car rentals \u2013 we can only imagine what other doors this card opens.<\/p><\/div><div class=\"u-grid__col u-1\/2@s\"><center><img decoding=\"async\" class=\"wp-image-242229 size-full aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/amex-centurion.png\" alt=\"front view of amex centurion card \" width=\"320\" height=\"200\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/amex-centurion.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/amex-centurion.png?fit=360 360w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/amex-centurion.png?fit=600 600w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/amex-centurion.png?fit=900 900w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/amex-centurion.png?fit=960 960w\" sizes=\"(max-width: 960px) 100vw, 960px\" loading=\"lazy\"><\/center><\/div><\/div><div class=\"signpost-cta type-default u-bg--lime-500\" data-component=\"signpost-cta\" data-component-type=\"default\" data-component-placement=\"in-content\" data-click-target=\"https:\/\/www.finder.com\/ca\/finder-rewards\">\n\n    <div class=\"signpost-cta__content\">\n\n        <div class=\"signpost-cta__display-col\">\n                            <svg class=\"signpost-cta__icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"64\" height=\"42\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n                    <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n                    <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n                    <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n                    <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n                    <\/div>\n\n        <div class=\"signpost-cta__text\">\n    <p class=\"signpost-cta__heading\">Get Paid Twice for Your Financial Moves<\/p>\n            <p class=\"signpost-cta__description\">Finder Rewards adds a digital Visa gift card to your provider's existing welcome bonus when you switch through our platform.<\/p>\n    <\/div>\n\n    <\/div>\n\n    <div class=\"signpost-cta__action\">\n            <a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\" class=\"luna-button luna-button--primary signpost-cta__button\" data-tracking=\"signpost-cta-click\">Discover deals<\/a>\n        <\/div>\n<\/div>\n\n<h4 id=\"morgan\" class=\"luna-sectionTitle\">2. JPMorgan Chase Palladium<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><center><img decoding=\"async\" class=\"wp-image-242219 size-full aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/jp-morgan-card.png\" alt=\"jp morgan card front view\" width=\"320\" height=\"200\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/jp-morgan-card.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/jp-morgan-card.png?fit=360 360w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/jp-morgan-card.png?fit=600 600w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/jp-morgan-card.png?fit=900 900w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/jp-morgan-card.png?fit=960 960w\" sizes=\"(max-width: 960px) 100vw, 960px\" loading=\"lazy\"><\/center><\/div><div class=\"u-grid__col u-1\/2@s\"><p>Made of metal and literally minted with palladium and 24K gold, this is one card you can\u2019t take with you through the metal detectors. Although previously available by application, this card is now only offered by invitation to clients of JPMorgan\u2019s private banking wealth management or investment banking arms. This means you\u2019d have to have at least US$250,000 privately managed by them.For US$450 a year, this card offers travel perks including a full United Club membership, unlimited lounge access and Priority Pass, a strong suit of travel insurance coverage and access to private jets if you should prefer to fly that way. You\u2019ll also earn 2 points per $1 spent on travel, 1 point on all other eligible purchases and 35,000 bonus points if you spend more than US$100,000 a year.<\/p><\/div><\/div><h4 id=\"dubai\" class=\"luna-sectionTitle\">3. Dubai First Royale Mastercard<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p>Embedded with a white .235-carat solitaire diamond and trimmed with gold, this elaborate card is the Dubai Group\u2019s exclusive offering to UAE royalty and the region\u2019s top millionaires.The qualification and fee details of this card are almost as elusive as the card itself. Rumour has it the fee alone is nearly $2,000. But if you had the honour of being offered one, you could enjoy no pre-set credit limit, your own dedicated relationship manager and \u201cRoyale Lifestyle Management\u201d services. Based on what we\u2019ve read about this card, it seems you can get anything you want with it.<\/p><\/div><div class=\"u-grid__col u-1\/2@s\"><center><img decoding=\"async\" class=\"wp-image-242209 size-full aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/dubai-first-card.png\" alt=\"dubai first card front view\" width=\"320\" height=\"200\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/dubai-first-card.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/dubai-first-card.png?fit=360 360w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/dubai-first-card.png?fit=600 600w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/dubai-first-card.png?fit=900 900w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/dubai-first-card.png?fit=960 960w\" sizes=\"(max-width: 960px) 100vw, 960px\" loading=\"lazy\"><\/center><\/div><\/div><h4 id=\"coutts\" class=\"luna-sectionTitle\">4. Coutts World Silk Card<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><center><img decoding=\"async\" class=\"wp-image-242225 size-full aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/coutts-silk-card.png\" alt=\"coutts silk card front view\" width=\"320\" height=\"200\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/coutts-silk-card.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/coutts-silk-card.png?fit=360 360w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/coutts-silk-card.png?fit=600 600w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/coutts-silk-card.png?fit=900 900w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/coutts-silk-card.png?fit=960 960w\" sizes=\"(max-width: 960px) 100vw, 960px\" loading=\"lazy\"><\/center><\/div><div class=\"u-grid__col u-1\/2@s\"><p>The prestigious Silk Card offered by Coutts, a private bank and wealth management division of the Royal Bank of Scotland, is available to Coutts clients only \u2013 which includes the Queen. The card starts with about a $26,000 monthly credit limit, although this may differ depending on the bank\u2019s personal assessment of your finances.<\/p><p>The Silk Card has an annual fee of over $450 that\u2019s waived if you spend more than around $65,000 in your card membership year. With this card, you can expect a host of insurance, travel lounge and LoungeKey perks, luxury brand offers, concierge services and exclusive memberships with hotels, airlines, jet and cruise companies.<\/p><\/div><\/div><h4 id=\"sberbank\" class=\"luna-sectionTitle\">5. Sberbank Visa Infinite Gold Card<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p>If being crafted from solid gold isn\u2019t quite enough, throw in .17 carats worth of diamonds (totalling 26 stones to be precise) and some mother-of-pearl. Issued by Kazakhstani outfit Sberbank to only 100 of its top clients, this Visa Infinite Gold card reportedly costs around $100,000 upfront. Of this money, about $65,000 is an account fee, and around $35,000 goes to the account\u2019s opening credit.Aside from the pleasure of owning a solid gold status symbol, cardholders enjoy above $250,000 life insurance coverage, exclusive concierge services, VIP access at some of the world\u2019s finest golf courses, luxury vacations and fast-track immigration treatment in hundreds of airports globally.<\/p><\/div><div class=\"u-grid__col u-1\/2@s\"><center><img decoding=\"async\" class=\"wp-image-242221 size-full aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/sberbank-gold.png\" alt=\"sberbank gold card front view\" width=\"320\" height=\"200\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/sberbank-gold.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/sberbank-gold.png?fit=360 360w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/sberbank-gold.png?fit=600 600w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/sberbank-gold.png?fit=900 900w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/sberbank-gold.png?fit=960 960w\" sizes=\"(max-width: 960px) 100vw, 960px\" loading=\"lazy\"><\/center><\/div><\/div><h4 id=\"eurasian\" class=\"luna-sectionTitle\">6. Eurasian Diamond Card (Visa Infinite)<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><center><img decoding=\"async\" class=\"wp-image-242233 size-full aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/diamond-visa-infinite.png\" alt=\"Eurasian Diamond Card (Visa Infinite) front view\" width=\"320\" height=\"200\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/diamond-visa-infinite.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/diamond-visa-infinite.png?fit=360 360w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/diamond-visa-infinite.png?fit=600 600w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/diamond-visa-infinite.png?fit=900 900w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/diamond-visa-infinite.png?fit=960 960w\" sizes=\"(max-width: 960px) 100vw, 960px\" loading=\"lazy\"><\/center><\/div><div class=\"u-grid__col u-1\/2@s\"><p>Another Kazakhstani offering, the Eurasian Bank Diamond Card is an elite Visa card for invitation-only clients. This striking black card features a pure gold inlaid heart with a .02-carat diamond centrepiece, and can only be obtained by recommendation of the bank\u2019s management board, or upon referral of two existing Diamond cardholders. You must also make more than $300,000 a year to qualify.<\/p><p>Annual card fees range between $460 and $1400, depending on the size of your current bank balance. Perks include personalized concierge services, VIP airport lounge and Priority Pass access, as well as super-charged Visa exclusives such as hotel discounts, ticket pre-sales, luxury dining, spa offers and purchase protection from loss and theft.<\/p><\/div><\/div><h4 id=\"stratus\" class=\"luna-sectionTitle\">7. Stratus Rewards Visa<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p>Fondly called the White Card, the Stratus Rewards Visa is often seen as the definitive card for ultra elite jetsetters. To get this card, you need a referral from an existing cardmember or a Stratus Rewards partner company before you\u2019ll even be considered for an exclusive invitation.As far as features go, this is the card for those who want to fly in privacy and style, with a rewards program that offers private jet flight-time as a redeemable reward. If you like, you could also trade your reward points in for a personal consultation with a famed lifestyle expert. At US$1,500, this card will give you access to personal concierge services, discounted charter flights, complimentary car services and luxury hotel upgrades, special events and exclusive gift bags.<\/p><\/div><div class=\"u-grid__col u-1\/2@s\"><center><img decoding=\"async\" class=\"wp-image-242213 size-full aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/stratus-visa.png\" alt=\"stratus visa front view\" width=\"320\" height=\"200\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/stratus-visa.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/stratus-visa.png?fit=360 360w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/stratus-visa.png?fit=600 600w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/stratus-visa.png?fit=900 900w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/stratus-visa.png?fit=960 960w\" sizes=\"(max-width: 960px) 100vw, 960px\" loading=\"lazy\"><\/center><\/div><\/div><h4 id=\"merrill\" class=\"luna-sectionTitle\">8. The Merrill Lynch Octave Black Card<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><center><img decoding=\"async\" class=\"wp-image-242223 size-full aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/merrill-lynch-octave.png\" alt=\"merrill lynch octave front view\" width=\"320\" height=\"200\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/merrill-lynch-octave.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/merrill-lynch-octave.png?fit=360 360w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/merrill-lynch-octave.png?fit=600 600w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/merrill-lynch-octave.png?fit=900 900w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/merrill-lynch-octave.png?fit=960 960w\" sizes=\"(max-width: 960px) 100vw, 960px\" loading=\"lazy\"><\/center><\/div><div class=\"u-grid__col u-1\/2@s\"><p>Made of black metal and sporting an American Express logo on its front, the Merrill Lynch Octave Black Card is an invitation-only card that caters to the American bank\u2019s highest-net-worth clients. To qualify, you must have over US$10 million sitting in a Merrill Lynch account and also be a Merrill Lynch Private Wealth Management or US Trust client.Lucky cardholders pay US$950 in annual fees and enjoy perks including no pre-set credit limit, 2.5 rewards points per $1 spent on all eligible purchases, an annual $350 worth of travel credit or a Delta SkyClub Executive membership, select airline and private jet flight discounts and premium concierge services.<\/p><\/div><\/div><h4 id=\"santander\" class=\"luna-sectionTitle\">9. Santander Unlimited Black Card<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p>This understated Black Card represents the \u201cunlimited credit\u201d that Brazilian Santander Group offers to its elite private banking customers. Although eligibility details are undisclosed, only about 2,000 to 3,000 cards are in circulation.For approximately $275 annually, card perks include high, flexible spending limits, 24\/7 concierge services, VIP airport lounge access, Priority Pass, private jet discounts and the usual suite of insurance coverage. You also earn 2.2 points for every $1 spent on the card.<\/p><\/div><div class=\"u-grid__col u-1\/2@s\"><img decoding=\"async\" class=\"sml-image-center wp-image-892865 size-medium aligncenter\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2017\/01\/santander-unlimited-300x194.jpg\" alt=\"santander unlimited front view\" width=\"300\" height=\"194\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2017\/01\/santander-unlimited-300x194.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2017\/01\/santander-unlimited-300x194.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2017\/01\/santander-unlimited-300x194.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2017\/01\/santander-unlimited-300x194.jpg?fit=900 900w\" sizes=\"(max-width: 900px) 100vw, 900px\" loading=\"lazy\"><\/div><\/div><h4 id=\"luxury\" class=\"luna-sectionTitle\">10. Luxury Card Mastercard Gold Card<\/h4><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><center><img decoding=\"async\" class=\"wp-image-242227 size-full aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/luxury-gold-card.png\" alt=\"luxury gold card front view\" width=\"320\" height=\"200\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/luxury-gold-card.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/luxury-gold-card.png?fit=360 360w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/luxury-gold-card.png?fit=600 600w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/luxury-gold-card.png?fit=900 900w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/luxury-gold-card.png?fit=960 960w\" sizes=\"(max-width: 960px) 100vw, 960px\" loading=\"lazy\"><\/center><\/div><div class=\"u-grid__col u-1\/2@s\"><p>Plated with 24K gold, the Luxury Card Gold Card is a carbon Mastercard designed with rewards in mind. Unlike the others on this list, you can apply for this card without an invitation \u2013 but that doesn\u2019t mean it\u2019s not exclusive. With unpublished income requirements and a US$995 price tag, it\u2019s still considerably pricey for a card.The perks you can expect include 2% cash back or half-priced airfare redemptions when you spend above 50,000 points on flights, US$200 in airline credit yearly, a US$100 Global Entry application fee credit, VIP airport lounge access and Priority Pass, luxury concierge services and exclusive luxury gifts.<\/p><\/div><\/div><p>\u00a0<\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/metal-credit-cards\">Compare metal credit cards in Canada<\/a><\/p><p>\u00a0<\/p><h3>What makes a credit card exclusive?<\/h3><p>Like the clients who carry them, exclusive credit cards share notable similarities. The following factors can elevate a card\u2019s status and barrier to entry.<\/p><ul class=\"list-1\"><li><h5><strong>High cost.<\/strong><\/h5><p>Some cards are issued at no cost to high net worth members. More commonly, exclusive cards come with high annual fees of $1,000 or more, and some require additional initiation fees. At the extreme, a card might cost an outrageous $100,000.<\/p><\/li><li><h5><strong>Available only to a select few. <\/strong><\/h5><p>Card providers make it more difficult to get exclusive cards by making their products invite only, requiring the backing of existing members or imposing minimum investment quotas. To join the club, you must have the ability to pull strings \u2014 or flash enough money to barrel your way in.<\/p><\/li><li><h5><strong>Made of rare materials.<\/strong><\/h5><p>An exclusive credit card should <em>feel<\/em> exclusive. That\u2019s why it\u2019s not made of mere plastic, instead boasting such precious metals as gold, titanium or palladium. It might even come with inlaid diamonds for good measure.<\/p><\/li><li><h5><strong>Dedicated concierge service.<\/strong><\/h5><p>You\u2019ll notice many of the cards on this list offer commonplace features. For example, you can get airport lounge access and travel credits with widely available credit cards.<\/p><p>What sets exclusive cards apart is personalized help. Concierge service is standard in premium travel cards, but <em>dedicated<\/em> concierge services \u2014 like account managers expressly assigned to you \u2014 are reserved for ultrapremium cards.<\/p><\/li><li><h5><strong>Unadvertised, exclusive perks.<\/strong><\/h5><p>One of the reasons we don\u2019t know much about superelite cards is because their issuers like it that way. If a premium card gets you access to a top-notch airport lounge, an ultrapremium card gets you a dedicated space inside that lounge. The less the public knows about these privileges, the more special they tend to be.<\/p><\/li><li><h5><strong>Sky-high credit limits.<\/strong><\/h5><p>Exclusive credit cards often come with extremely generous credit limits. Of course, your provider may cut you off if your spending appears to exceed what your net worth allows. But if your coffers sound truly endless, the bank may allow literally any purchase your heart desires.<\/p><\/li><li style=\"list-style-type: none;\"><\/ul><center><img decoding=\"async\" class=\"alignnone size-large wp-image-1170996\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2017\/09\/exclusive_infographic5-532x1024.jpg\" alt=\"Most Exclusive Credit Cards in the World Image: Finder\" width=\"532\" height=\"1024\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2017\/09\/exclusive_infographic5-532x1024.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2017\/09\/exclusive_infographic5-532x1024.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2017\/09\/exclusive_infographic5-532x1024.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2017\/09\/exclusive_infographic5-532x1024.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2017\/09\/exclusive_infographic5-532x1024.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2017\/09\/exclusive_infographic5-532x1024.jpg?fit=1596 1596w\" sizes=\"(max-width: 1596px) 100vw, 1596px\" loading=\"lazy\"><\/center><h3>Will you get one of these credit cards someday?<\/h3><p>The cards on this list are crafted for exclusivity \u2014 but they\u2019re not impossible to obtain.<\/p><p>For the most part, getting one requires a high net worth. Building wealth starts with mastering financial principles like saving, investing and using credit responsibly, which anyone can do with focus and perseverance.<\/p><p>Regardless of where you are in your financial journey, Finder is here to support you. We\u2019re thrilled to share with you everything we know. And we can\u2019t wait to see you with an exclusive credit card of your own.<\/p><h3>The most prestigious credit cards you can actually get<\/h3><p>Let\u2019s be real: many of the most prestigious credit cards listed on this page are out of reach for most Canadian consumers. However, there are a number of \u201cluxury\u201d cards on the market that cardholders with a good credit score <em>can<\/em> obtain. These include cards such as the <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-platinum-card\">The Platinum Card from American Express<\/a>, and the <a title=\"Read our review of this product\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-aeroplan-reserve-card-review\">American Express Aeroplan Reserve Card.<\/a><\/p><p>These cards require a very strong credit score and demand a high annual fee \u2014 up to $599 in many cases. For the price however, you get a smorgasbord of features, including travel statement credits, airline lounge access, discounts or upgrades at luxury hotels and more. These perks are worth hundreds of dollars on their own, making these luxury cards a great deal if you take advantage of the card features.<\/p><h3>Compare premium credit cards in Canada you can actually apply for<\/h3><p>The following cards have premium benefits, and you can apply for them without an invite. As usual, consider your credit score and apply only for cards you have a good chance of being approved for.<\/p><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"bc4c0b28-0a73-4b5c-a944-19719e09c33b\" data-template=\"comparison\" data-niche=\"CACCF\" data-site=\"CACCF\" data-auto-recalculate=\"true\" data-post-country=\"ca\" data-fieldset=\"caccf-default\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"762094\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"CACCF\",\"fieldset\":\"caccf-default\",\"template\":\"comparison\",\"category_id\":\"bc4c0b28-0a73-4b5c-a944-19719e09c33b\",\"category_name\":\"Luxury credit cards\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1781924316}' data-disable-alternative-products=\"true\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col \"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-bc4c0b28-0a73-4b5c-a944-19719e09c33b\">3 of 8 results<\/span><\/small><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"CACCF\" data-site=\"CACCF\" data-table-id=\"702\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"CACCF\",\"fieldset\":\"caccf-default\",\"template\":\"comparison\",\"category_id\":\"bc4c0b28-0a73-4b5c-a944-19719e09c33b\",\"category_name\":\"Luxury credit cards\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1781924316}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"caccf\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"3\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"3\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"8\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"242f1730d06efd178ae1266a4fbd9b79692a6000efc9db3340e6bdf9a842fdf3\" data-table-record-type=\"product\" data-table-record-ids='[\"e4db323e-258b-44c6-9b0d-a7e29c1774e7\",\"d520749b-3d07-40a3-b3bf-8649ed017350\",\"f03ed9b6-b98b-48a5-858c-1683a77bf3ec\"]' data-total-data=\"3\" data-enable-top-filters=\"false\" data-total-product-count=\"8\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-4\"><th data-ajax-table-sorter-column=\"CACCF.PRODUCT.CACCF_BONUS_POINTS_TABLE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"welcome_offer\">\n                                                        Welcome Offer\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"CACCF.PRODUCT.CACCF_TABLE_REWARDS_POINT_VALUE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"rewards\">\n                                                        Rewards\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"CACCF.PRODUCT.CACCF_PURCHASE_INTEREST_RATE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"purchase_interest_rate\">\n                                                        Purchase Interest Rate\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"CACCF.PRODUCT.FEE_ANNUAL\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"annual_fee\">\n                                                        Annual Fee\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.GENERAL.SHORT_DESCRIPTION\" class=\"comparison-table__feature fin-text-blue comparison-table__feature--longtext tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"min._credit_score\">\n                                                        Min. Credit Score\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-right { padding: 8px; } }\n\t.rewards-infobox .deals-phone { position: absolute; top: 8px; left: 12px; }\n\t.rewards-infobox .deals-ends { color:#000; font-weight:800; font-size:12px; line-height:12px; padding:6px 10px; font-style: italic; border-radius: 9999px; display:inline-flex; align-items:center; text-transform: uppercase; display: none; }\n\t.rewards-infobox .deals-ends-text { padding-top: 2px; }\n\t.rewards-infobox .deals-header { display:flex; align-items:center; flex-wrap: nowrap; gap:4px; cursor:pointer; }\n\t.rewards-infobox .deals-amount { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); color:#232320; font-size:32px; line-height:28px; letter-spacing: -0.75px; text-transform: uppercase; padding: 2px 4px 0 2px; border-radius: 4px; font-style: italic; font-weight: bold; font-size: 30px; }\n\t.rewards-infobox .deals-title { color: white; text-transform: uppercase; font-style:italic; font-weight:bold; font-size:16px; flex: 1; }\n\t.rewards-infobox .deals-list { display:flex; flex-direction: column; flex-wrap: wrap; gap:2px; margin: 4px 0 2px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-list { flex-direction: row; row-gap: 4px; column-gap: 20px; } }\n\t.rewards-infobox .deals-step { display:flex; align-items: baseline; gap:4px; }\n\t.rewards-infobox .deals-step-num { background:#FFD23B; color:#000; display:inline-flex; align-items:center; justify-content:center; font-weight:bold; font-style: italic; border-radius:2px; font-size:12px; margin-top:2px; line-height: 12px; padding-top: 2px; min-width: 11px; }\n\t.rewards-infobox .deals-step-text { color:#fff; font-size:12px; line-height:16px; font-weight: bold; }\n\t.rewards-infobox .deals-disclaimer { color:#E8EEFF; font-size:12px; margin-top: 4px; width: fit-content; }\n\t.rewards-infobox .deals-disclaimer a { color:#BFD0FF; text-decoration: underline; font-size: 12px; }\n\t.rewards-infobox .rewards-end-date { font-size: 12px; }\n\t\n\t\t.rewards-infobox .deals-countdown {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tmargin-top: 8px;\n\t\tflex-wrap: wrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__label {\n\t\tcolor: #fff;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\tpadding-right: 6px;\n\t\twhite-space: nowrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__timer {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tgap: 4px;\n\t}\n\n\t.rewards-infobox .deals-countdown__unit {\n\t\tdisplay: inline-flex;\n\t\talign-items: center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: center;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg--large {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: left;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  \/* &#9472;&#9472; Responsive T&C: inline (inside pill) vs below (outside pill) &#9472;&#9472; *\/\n  .rewards-pill__tc--below {\n    display: none;\n  }\n\n  .rewards-pill__icon-svg--compact {\n    display: none;\n  }\n\n  @media (max-width: 960px) {\n    .rewards-pill__tc--inline {\n      display: none;\n    }\n\n    .rewards-pill__tc--below {\n      display: block;\n      \/* Extra spacing so the T&Cs touch target isn't too close to the CTA button (mobile\/tablet) *\/\n      margin-bottom: 12px;\n    }\n\n    \/* Swap to compact icon on mobile\/tablet *\/\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg--large {\n      display: none;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg--compact {\n      display: block;\n    }\n\n    \/* Revert pill to compact size when T&C moves outside *\/\n    .rewards-pill[data-show-tc=\"true\"] {\n      height: 24px;\n      padding: 0px 8px 0px 2px;\n      border-radius: 4px 20px 20px 20px;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n      border-radius: 4px 20px 20px 20px;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n      top: 55%;\n      left: 3%;\n      margin-top: -19px;\n      margin-left: -6px;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n      text-transform: uppercase;\n      font-size: 16px;\n      line-height: 24px;\n    }\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n  \/* Partner card (stacked rewards design) *\/\n  .rewards-pill__partner--large {\n    display: flex;\n    align-items: center;\n    gap: 2px;\n  }\n\n  .rewards-pill__partner--compact {\n    display: none;\n    align-items: center;\n    gap: 2px;\n  }\n\n  .rewards-pill__plus {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-size: 14px;\n    color: #232320;\n    z-index: 1;\n    line-height: 1;\n  }\n\n  .rewards-pill__partner-svg {\n    width: 68px;\n    height: 48px;\n    filter: drop-shadow(0px 0px 6.2px rgba(0, 0, 0, 0.15));\n  }\n\n  @media (max-width: 960px) {\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__partner--large {\n      display: none;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__partner--compact {\n      display: flex;\n    }\n  }\n\n<\/style><script>\n(function () {\n  window.isRewardsPillScriptInitialized ??= false;\n  if (window.isRewardsPillScriptInitialized) return;\n  window.isRewardsPillScriptInitialized = true;\n\n  function getLinkParams(anchor) {\n    const redirectUrl = anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n    try {\n      const url = new URL(redirectUrl);\n      const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n      if (!rawParams) return;\n      const { offer_id, niche_code, site, product_name, product_id } = JSON.parse(\n        decodeURIComponent(rawParams)\n      );\n      return {\n        redirectUrl,\n        offerId: offer_id,\n        niche: niche_code || site,\n        productName: product_name,\n        productId: product_id,\n      };\n    } catch (e) {\n      return;\n    }\n  }\n\n  function resolvePillContext(pill) {\n    \/\/ Table pill: lives inside a tr[data-product-id]\n    const row = pill.closest(\"tr[data-product-id]\");\n    if (row) {\n      return {\n        container: row,\n        cta: row.querySelector(\".rewards--cta\"),\n      };\n    }\n    \/\/ Standalone pill: shortcode \/ non-table context\n    if (pill.hasAttribute(\"data-campaign-name\")) {\n      const container = pill.closest(\".rewards--container\");\n      return {\n        container: container ? container.querySelector(\".rewards--element-container\") : null,\n        cta: container\n          ? container.querySelector(\"a.rewards--cta:not([aria-hidden='true'])\")\n          : null,\n      };\n    }\n    return { container: null, cta: null };\n  }\n\n  document.addEventListener(\"click\", (event) => {\n    const pill = event.target.closest(\".rewards-pill\");\n    if (!pill) return;\n\n    const { container, cta } = resolvePillContext(pill);\n    if (!container || !cta) return;\n\n    const linkParams = getLinkParams(cta);\n    if (!linkParams) return;\n\n    const params = {\n      productId: linkParams.productId,\n      campaignName:\n        container.getAttribute(\"data-rewards-campaign-name\") ||\n        pill.getAttribute(\"data-campaign-name\") ||\n        \"\",\n      redirectUrl: linkParams.redirectUrl,\n      productName: linkParams.productName,\n      providerName: container.getAttribute(\"data-provider-name\") || \"\",\n      niche: linkParams.niche,\n      offerId: linkParams.offerId,\n      component: \"infobox\",\n      badgeHtml: pill.outerHTML,\n    };\n\n    if (window.rewards && typeof window.rewards.displayModal === \"function\") {\n      window.rewards.displayModal(params, false, cta);\n    }\n  });\n})();\n<\/script><tr data-product-id=\"e4db323e-258b-44c6-9b0d-a7e29c1774e7\" data-provider-id=\"d2c47712-e4ff-4630-af29-f39e3997f320\" data-product-name=\"BMO Ascend World Elite Mastercard\" data-provider-name=\"BMO\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-7  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-ascend-world-elite-mastercard\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6272a269f1804.jpg\" alt=\"BMO Ascend World Elite Mastercard image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6272a269f1804.jpg?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6272a269f1804.jpg?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6272a269f1804.jpg?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6272a269f1804.jpg?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6272a269f1804.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-ascend-world-elite-mastercard\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">BMO Ascend World Elite Mastercard<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        100,000 points<span class=\"table-popover\" rel=\"popover\" data-content=\"Get up to 100,000 points, Mastercard Travel Pass &amp; 4 Complimentary Lounge Passes, NEXUS Statement Credit and get the $150 annual fee waived in the first year. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee. That's up to $1,600 in value.\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        Up to 5x points per $1 spent <span class=\"table-popover\" rel=\"popover\" data-content=\"Get 5 BMO Rewards points per $1 spent on eligible travel purchases, 3 points per $1 spent on eligible dining and entertainment purchases, and 1 point per $1 spent on all other eligible purchases.\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.caccf_purchase_interest_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchase Interest Rate\">\n                        21.99%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $0 annual fee for the first year ($150 thereafter)\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n        Get up to 100,000 points, Mastercard Travel Pass &amp; 4 Complimentary Lounge Passes, NEXUS Statement Credit and get the $150 annual fee waived in the first year. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee. That's up to $1,600 in value. T&amp;Cs apply.\n      <\/span><\/div><\/td><td class=\"comparison-table__feature\n                    \n                                                                                                                                                      fin-text-blue comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Min. recommended credit score: 760&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                              \" data-heading=\"Min. Credit Score\"><b>Min. recommended credit score: 760<\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"e4db323e-258b-44c6-9b0d-a7e29c1774e7\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/bmo-ascend-world-elite-mastercard-secure-ca.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22caccf-default%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22bc4c0b28-0a73-4b5c-a944-19719e09c33b%22%2C%22category_name%22%3A%22Luxury%2Bcredit%2Bcards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221781924316%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2221489%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22e4db323e-258b-44c6-9b0d-a7e29c1774e7%22%2C%22product_name%22%3A%22BMO%2BAscend%2BWorld%2BElite%2BMastercard%22%2C%22post_id%22%3A%22762094%22%2C%22post_path%22%3A%22credit-cards%252Fthe-most-exclusive-credit-cards-in-the-world%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to BMO's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about BMO Ascend World Elite Mastercard\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"e4db323e-258b-44c6-9b0d-a7e29c1774e7\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-e4db323e-258b-44c6-9b0d-a7e29c1774e7\" value=\"e4db323e-258b-44c6-9b0d-a7e29c1774e7\" name=\"productID\" _productname=\"                            BMO Ascend World Elite Mastercard            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"e4db323e-258b-44c6-9b0d-a7e29c1774e7\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-e4db323e-258b-44c6-9b0d-a7e29c1774e7\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"d520749b-3d07-40a3-b3bf-8649ed017350\" data-provider-id=\"795613d6-853c-4c46-b357-d7499b9dafa4\" data-product-name=\"American Express Aeroplan Reserve Card\" data-provider-name=\"American Express\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-7  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-aeroplan-reserve-card-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5fa439ee92eed.png\" alt=\"American Express Aeroplan Reserve Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5fa439ee92eed.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5fa439ee92eed.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5fa439ee92eed.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5fa439ee92eed.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5fa439ee92eed.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-aeroplan-reserve-card-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">American Express Aeroplan Reserve Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        Up to 150,000 points<span class=\"table-popover\" rel=\"popover\" data-content=\"Earn up to 150,000 Aeroplan points. Earn 70,000 points after you spend $7,500 on your Card in your first 3 months of Cardmembership. Plus, earn an additional 40,000 points after you spend a total of $45,000 on your card in your first 12 months of Cardmembership. You can also earn 40,000 points when you make a purchase between 15 and 17 months of Cardmembership. You could earn up to $5,700 or more in value within your first 17 months. When you combine the Welcome Bonus offer of up to $3,000 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $1,760 in value, and the $1000 in value you get from exceptional benefits, you can earn up to $5,700 or more in value within your first 17 months. &lt;b&gt;T&amp;Cs apply. Valid until July 28, 2026&lt;\/b&gt;\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        Up to 3x points <span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1.25x the points on everything else.\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.caccf_purchase_interest_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchase Interest Rate\">\n                        21.99%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $599\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n        Earn up to 150,000 Aeroplan points. Plus, you could earn up to $5,700 in value within your first 17 months. <b>Valid until July 28, 2026<\/b>. T&amp;Cs apply.\n      <\/span><\/div><\/td><td class=\"comparison-table__feature\n                    \n                                                                                                                                                      fin-text-blue comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Min. recommended credit score: {{ DETAILS.CREDIT_SCORE_MIN }}&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                              \" data-heading=\"Min. Credit Score\"><b>Min. recommended credit score: 700<br><\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"d520749b-3d07-40a3-b3bf-8649ed017350\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/american-express-aeroplan-reserve-card-secure-ca.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22caccf-default%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22bc4c0b28-0a73-4b5c-a944-19719e09c33b%22%2C%22category_name%22%3A%22Luxury%2Bcredit%2Bcards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221781924316%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%229289%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22d520749b-3d07-40a3-b3bf-8649ed017350%22%2C%22product_name%22%3A%22American%2BExpress%2BAeroplan%2BReserve%2BCard%22%2C%22post_id%22%3A%22762094%22%2C%22post_path%22%3A%22credit-cards%252Fthe-most-exclusive-credit-cards-in-the-world%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to American Express's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about American Express Aeroplan Reserve Card\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"d520749b-3d07-40a3-b3bf-8649ed017350\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-d520749b-3d07-40a3-b3bf-8649ed017350\" value=\"d520749b-3d07-40a3-b3bf-8649ed017350\" name=\"productID\" _productname=\"                            American Express Aeroplan Reserve Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"d520749b-3d07-40a3-b3bf-8649ed017350\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-d520749b-3d07-40a3-b3bf-8649ed017350\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"f03ed9b6-b98b-48a5-858c-1683a77bf3ec\" data-provider-id=\"a27ab6c4-fb8f-4d55-bd26-eeb5240893fa\" data-product-name=\"Scotiabank Passport Visa Infinite + Card\" data-provider-name=\"Scotiabank\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotiabank-passport-visa-infinite-credit-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/69f5012a37f2d.png\" alt=\"Scotiabank Passport Visa Infinite + Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/69f5012a37f2d.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/69f5012a37f2d.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/69f5012a37f2d.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/69f5012a37f2d.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/69f5012a37f2d.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotiabank-passport-visa-infinite-credit-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Scotiabank Passport Visa Infinite + Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        60,000 points<span class=\"table-popover\" rel=\"popover\" data-content=\"Earn up to 60,000 bonus Scene+ points (that\u2019s up to $1,500 in value in the first 12 months). &lt;b&gt;Apply by July 1, 2026.&lt;\/b&gt; Earn 40,000 bonus Scene+ points by making at least $2,000 in purchases in your first 3 months and earn 10,000 Scene+ points when you spend at least $40,000 in your first 6 months. Plus, earn an annual 10,000 Scene+ points when you spend at least $40,000 in purchases annually.\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        Up to 4x points per $1 spent <span class=\"table-popover\" rel=\"popover\" data-content=\"Earn up to 4 points on travel. Earn 1 Scene+ point for every $1 you spend on eligible travel purchases. Plus, earn an extra 3 Scene+ points for every $1 you spend on hotels and car rentals when you book through Scene+ Travel, Powered by Expedia. Earn 3x Scene+ points for every $1 you spend at select grocery stores like Sobeys, Safeway, FreshCo and Foodland; 2x Scene+ points per $1 spent at other eligible grocery stores and dining, entertainment and transit purchases and 1 Scene+ point per $1 spent on all other eligible purchases.\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.caccf_purchase_interest_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchase Interest Rate\">\n                        20.99%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $150\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n        Earn up to 60,000 bonus Scene+ points (that\u2019s up to $1,500 in value in the first 12 months). <b>Apply by July 1, 2026.<\/b>. T&amp;Cs apply.\n      <\/span><\/div><\/td><td class=\"comparison-table__feature\n                    \n                                                                                                                                                      fin-text-blue comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Min. recommended credit score: {{ DETAILS.CREDIT_SCORE_MIN }}&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                              \" data-heading=\"Min. Credit Score\"><b>Min. recommended credit score: 700<br><\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"f03ed9b6-b98b-48a5-858c-1683a77bf3ec\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/scotiabank-passport-visa-infinite-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22caccf-default%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22bc4c0b28-0a73-4b5c-a944-19719e09c33b%22%2C%22category_name%22%3A%22Luxury%2Bcredit%2Bcards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221781924316%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2224032%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22f03ed9b6-b98b-48a5-858c-1683a77bf3ec%22%2C%22product_name%22%3A%22Scotiabank%2BPassport%2BVisa%2BInfinite%2B%252B%2BCard%22%2C%22post_id%22%3A%22762094%22%2C%22post_path%22%3A%22credit-cards%252Fthe-most-exclusive-credit-cards-in-the-world%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Scotiabank's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Scotiabank Passport Visa Infinite + Card\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"f03ed9b6-b98b-48a5-858c-1683a77bf3ec\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-f03ed9b6-b98b-48a5-858c-1683a77bf3ec\" value=\"f03ed9b6-b98b-48a5-858c-1683a77bf3ec\" name=\"productID\" _productname=\"                            Scotiabank Passport Visa Infinite + Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"f03ed9b6-b98b-48a5-858c-1683a77bf3ec\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-f03ed9b6-b98b-48a5-858c-1683a77bf3ec\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - now;\n\n        if (distance < 0) {\n          \/\/ Countdown finished\n          if (daysEl) daysEl.textContent = \"00d\";\n          if (hoursEl) hoursEl.textContent = \"00h\";\n          if (minutesEl) minutesEl.textContent = \"00m\";\n          if (secondsEl) secondsEl.textContent = \"00s\";\n          if (countdownInterval) {\n            clearInterval(countdownInterval);\n          }\n          return;\n        }\n\n        const days = Math.floor(distance \/ (1000 * 60 * 60 * 24));\n        const hours = Math.floor((distance % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n        const minutes = Math.floor((distance % (1000 * 60 * 60)) \/ (1000 * 60));\n        const seconds = Math.floor((distance % (1000 * 60)) \/ 1000);\n\n        if (daysEl) daysEl.textContent = days.toString().padStart(2, \"0\") + \"d\";\n        if (hoursEl) hoursEl.textContent = hours.toString().padStart(2, \"0\") + \"h\";\n        if (minutesEl) minutesEl.textContent = minutes.toString().padStart(2, \"0\") + \"m\";\n        if (secondsEl) secondsEl.textContent = seconds.toString().padStart(2, \"0\") + \"s\";\n      };\n\n      \/\/ Update immediately\n      updateCountdown();\n\n      \/\/ Update every second\n      countdownInterval = setInterval(updateCountdown, 1000);\n\n      \/\/ Store interval ID to clear it later if needed\n      rewardsProduct.dataset.countdownInterval = countdownInterval;\n    }\n\n    const initRewards = (table) => {\n      if (!table) return;\n\n      const recordIdsAttr = table.getAttribute(\"data-table-record-ids\");\n      if (!recordIdsAttr) return;\n\n      let productIds = [];\n      try {\n        const decoded = recordIdsAttr.replace(\/&quot;\/g, '\"');\n        productIds = JSON.parse(decoded);\n      } catch (e) {\n        return;\n      }\n\n      if (!productIds.length) return;\n\n      productIds.forEach((productId) => {\n        const rewardsProduct = table.querySelector(\n          `div[data-rewards-product-id=\"${productId}\"]:not([data-rewards-banner-attached])`\n        );\n        if (!rewardsProduct) return;\n\n        const endDateStr = rewardsProduct.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        \/\/ Format date for Australian locale (dd MMM yyyy)\n        const formattedDate = new Intl.DateTimeFormat(\"en-AU\", {\n          day: \"2-digit\",\n          month: \"short\",\n          year: \"numeric\",\n        }).format(new Date(endDateStr));\n\n        const endDateEl = rewardsProduct.querySelector(\".rewards-end-date\");\n        if (endDateEl && endDateEl.textContent !== formattedDate) {\n          endDateEl.textContent = ` ${formattedDate}`;\n        }\n\n        \/\/ Calculate days remaining\n        const days = Math.ceil((new Date(endDateStr) - new Date()) \/ 86400000);\n\n        \/\/ Show \"Ends Soon\" badge if campaign ends within 7 days\n        if (days <= 7 && days > 0) {\n          const dealsEndsEl = rewardsProduct.querySelector(\".deals-ends\");\n          const dealsPhoneEl = rewardsProduct.querySelector(\".deals-phone\");\n\n          if (dealsEndsEl && dealsEndsEl.style.display !== \"inline-flex\") {\n            dealsEndsEl.style.display = \"inline-flex\";\n          }\n          if (dealsPhoneEl && dealsPhoneEl.style.top !== \"23px\") {\n            dealsPhoneEl.style.top = \"23px\";\n          }\n        }\n\n        \/\/ Initialize countdown timer\n        initCountdownTimer(rewardsProduct, endDateStr);\n\n        const dealsLeftEl = rewardsProduct.querySelector(\".deals-left\");\n        const dealsList = rewardsProduct.querySelector(\".deals-list\");\n        const dealsHeader = rewardsProduct.querySelector(\".deals-header\");\n\n        const handleClick = (triggerEl) => {\n          const row = triggerEl.closest(\"tr\");\n\n          if (!row) return;\n\n          const cta = row.querySelector(\".rewards--cta\");\n\n          if (!cta) return;\n\n          const linkParams = getLinkParams(cta);\n          if (!linkParams) return;\n\n          const { productId, redirectUrl, productName, niche, offerId } = linkParams;\n\n          const modalParams = {\n            productId,\n            campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n            redirectUrl,\n            productName,\n            providerName: row.getAttribute(\"data-provider-name\") || \"\",\n            niche,\n            offerId,\n            component: \"infobox\",\n          };\n\n          if (\n            window.rewards &&\n            typeof window.rewards.displayModal === \"function\"\n          ) {\n            window.rewards.displayModal(modalParams, false, cta);\n          }\n        };\n\n        if (dealsLeftEl && !dealsLeftEl.dataset.bound) {\n          dealsLeftEl.dataset.bound = \"true\";\n          dealsLeftEl.addEventListener(\"click\", () => handleClick(dealsLeftEl));\n        }\n\n        if (dealsList && !dealsList.dataset.bound) {\n          dealsList.dataset.bound = \"true\";\n          dealsList.addEventListener(\"click\", () => handleClick(dealsList));\n        }\n\n        if (dealsHeader && !dealsHeader.dataset.bound) {\n          dealsHeader.dataset.bound = \"true\";\n          dealsHeader.addEventListener(\"click\", () => handleClick(dealsHeader));\n        }\n\n        rewardsProduct.dataset.rewardsBannerAttached = \"true\";\n      });\n    };\n\n    const tables = document.querySelectorAll(\n      \"table.rewards--container[data-table-record-ids]\"\n    );\n\n    tables.forEach((table) => {\n      const tableObserver = new MutationObserver(() => {\n        setTimeout(() => initRewards(table), 0);\n      });\n\n      tableObserver.observe(table, {\n        childList: true,\n        subtree: true,\n      });\n\n      initRewards(table);\n    });\n\n    \/\/ Pill countdown timers (minimal UX)\n    function initPillCountdowns() {\n      const countdowns = document.querySelectorAll(\"[data-rewards-pill-countdown]:not([data-pill-countdown-bound])\");\n\n      countdowns.forEach((el) => {\n        el.dataset.pillCountdownBound = \"true\";\n        const endDateStr = el.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        const endTime = new Date(endDateStr).getTime();\n        if (Number.isNaN(endTime)) return;\n        const now = new Date().getTime();\n        const distance = endTime - now;\n        const sevenDaysMs = 7 * 24 * 60 * 60 * 1000;\n\n        if (distance <= 0) {\n          const wrapper = el.closest(\".rewards-pill-wrapper\");\n          if (wrapper) wrapper.style.display = \"none\";\n          return;\n        }\n\n        if (distance > sevenDaysMs) {\n          return;\n        }\n\n        el.removeAttribute(\"hidden\");\n\n        const daysEl = el.querySelector(\"[data-pill-countdown-days]\");\n        const hoursEl = el.querySelector(\"[data-pill-countdown-hours]\");\n        const minutesEl = el.querySelector(\"[data-pill-countdown-minutes]\");\n        const secondsEl = 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