Rewards
Base earn rate1 point per $1 spent on all other card purchases
ProgramBMO Rewards
Welcome bonusEarn 25,000 BMO Rewards Points when you spend $3,000 in the first 110 days and get a 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rate18.99%
Cash advance rate23.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Liability Waiver Program provides protection against employee card abuse
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Zero liability protection in cases of fraudulent card use
⭐
Mastercard Trust Centre provides online access to cybersecurity research and resources
🎩
24/7 support for card-related concerns available in all languages and anywhere in the world
⭐
Get up to 22 additional cards for employees
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Get automatic rebates when you shop at qualifying merchants
1%-25%
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Enjoy 30% off H&R Block's DIY and Assisted Channels Tax Offerings
30%
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Get 20% off admission to Cirque du Soleil shows touring Canada, plus 15% off resident shows in Las Vegas
20%-15%
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
up to an additional year
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident