Terms and Conditions

1 Subject to approval. The annual interest rate is 19.95% for purchases and 21.95% for balance transfers and cash advances. In the event of missed payments or payment rejection by your financial institution, any fees charged to us by our financial institution will be passed on to your account.

A monthly membership fee applies (annual fee applicable only in Quebec) depending on the selected card: Twist ESSENTIA Card $24.17/month ($290 annually), Twist VIVA Card $36.25/month ($435 annually), Twist NOVA Card $48.33/month ($580 annually), Twist AUREA Card $60.42/month ($725 annually), Twist ZENITH Card $72.50/month ($870 annually), Twist IMPERIUM Card $81.25/month ($975 annually). For Quebec only, the annual membership fee is charged each year on the anniversary date.

Membership fees and interest rates are subject to change with 30 days’ prior notice.

Please refer to the informational box in the Legal Notices section for definitions including insufficient funds payment, applicable fees, and the rates applied to transactions posted to your account.

2 Equifax and TransUnion credit bureaus are not consulted to determine your eligibility for our credit card products. Your application is assessed according to our internal policies and applicable regulations.

3 Accumulation and retention of points under the loyalty program depend on your credit card usage and payment behavior. Factors such as inactivity or late payments may reduce your points. For full terms and conditions, please consult the “Loyalty Program” tab available in your account space.

4 Points accumulate across all participating merchants in the Twist network, up to a maximum of $10,000 in purchases posted to your account per year. Once this limit is reached, regardless of any credits, refunds, or adjustments posted thereafter, you will earn 1% cashback on eligible purchases. The calculation resets annually on the cardholder’s membership anniversary date.

Interest rates, annual fees, other charges, and cash-equivalent transactions do not qualify as purchases and are not eligible for cashback rewards. Returns or credits related to purchases will reduce your cashback eligibility accordingly. All deductions related to refunds, credits, and adjustments will be calculated based on the cashback accrual ratio in effect at the time of the transaction. This means that the cashback rates deducted from your balance may differ from the rates originally earned. Cashback is credited annually to your account statement according to your membership date. The cashback calculation resets each year. Additional terms and restrictions apply, as detailed in the cashback program terms following the cardholder agreement.

5 Entitles you to certain travel-related privileges, including bilingual support services in English and Spanish. Some travel benefits are directly linked to the loyalty program. Please refer to the “Loyalty Program” tab in your account space for applicable terms and details.

6 One (1) towing service of 50 km or less is offered free of charge once per year within the service’s covered territory. If the towing distance exceeds 50 km, the additional costs will be your responsibility. Outside of the covered area, if you use a non-affiliated towing service, an annual credit of up to $100 may be granted upon presentation of valid proof of payment, subject to applicable conditions.

Promotions and terms are subject to change without notice.

Twist, TwistCard, Carte Twist, and the associated logo are trademarks of Twist Financial. Other names, logos, and trademarks appearing on this website are the property of their respective owners.