Offer
Earn up to 25,000 bonus points:
- Get 20,000 points when you spend $1,500 in your first 3 months.*
- Plus, earn up to 5,000 bonus points every year:
- 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points*
- 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months*
- Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout*
- Then get 1 point for every $2 spent on everything else!*
- Get a 0.99% introductory interest rate on Balance Transfers for 9 months (2% fee applies to balance amounts transferred*)
- Mobile Device Insurance that covers you for up to $1,000*
- Pay with Points by browsing your recent transactions and redeem your Points for as little as $1*
- Receive a discount on car rentals*
- Purchase Protection*
- Extended Warranty*
Fees & Conditions
Personal Income
$0
Household Income
$0
Annual Fee
$0
First Additional Card
$0
Other Additional Card
$0
Foreign Transaction Fee
2.5%
Purchase Rates
21.99%
Cash Advance Rates
23.99%
Balance Transfer Rates
23.99%
Cash Advance Rate (QC)
21.99%
Balance Transfer Rates (QC)
21.99%
Balance Transfer
Balance Transfer Intro Duration
9 month(s)
Balance Transfer - Promotional Rate
0.99%
Value
Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value
Advantages
Welcome Bonus amount
Up to 25,000 Points
Minimum Spending Required
$1,500
Minimum Spending Timeframe (Months)
3 month(s)
Earnings
Per dollar of purchases
All Spending
0.5 Point
Groceries
2.5 Points
Gas
0.5 Point
Dining and Food delivery
2.5 Points
Convenience Stores
0.5 Point
Drugstores
0.5 Point
Local Transport
0.5 Point
Travel
0.5 Point
Entertainment
0.5 Point
Recurring Payments
2.5 Points
Telecom/Internet
0.5 Point
Streaming services
0.5 Point
Online transactions
0.5 Point
Office Supplies
0.5 Point
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
$1,000
1 year
Price Protection
Alternative Cards
Legal
*Terms and Conditions apply.
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