Rewards
Base earn rate1.5 points per $1 spent on all other card purchases
ProgramBMO Rewards
Welcome bonusGet up to $2,175 in value in your first year, including up to 150,000 bonus BMO Rewards Points (worth up to $1,000), annual fee waiver valued at $275, travel perks up to $380, and premium benefits worth $520
Rewards typepoints
Fees & rates
Annual fee$175
Purchase interest rate18.99%
Cash advance rate23.99%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Free membership for Mastercard Travel Pass provided by DragonPass, plus two free passes a year
2 complimentary passes per year
💳
Nexus statement credit
⭐
5 free virtual care visits with a registered Canadian healthcare provider
⭐
Get up to 22 additional cards so employees can easily make purchases on behalf of your business
⭐
Get automatic rebates of 1%-25% when you shop at qualifying merchants
1-25%
⭐
Enjoy 30% off H&R Block's DIY and Assisted Channels Tax Offerings
30%
⭐
Get 20% off admission to Cirque du Soleil shows touring Canada
20%
⭐
Plus 15% off resident shows in Las Vegas
15%
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $5 million
🛡️
trip cancellation
up to $1,500 per insured person, to a maximum of $5,000 per account
🛡️
flight delay
up to $500 per account
🛡️
baggage delay
up to $500
🛡️
baggage loss
up to $500 per insured person, to a maximum of $1,000 per account
🛡️
rental car
reimbursement for damage or theft of rental car
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident