Rewards
Base earn rate1 Point for every $1 spent
ProgramBlue Rewards
Welcome bonusEarn 30,000 Bonus Points when you spend $3,000 in the first 110 days
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rate20.99%
Cash advance rate23.99%
Foreign transaction fee2.5% (typical)
Standout perks
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Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster
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Get automatic rebates of 1%-25% when you shop at qualifying merchants with Mastercard Easy Savings
1%-25%
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Enjoy 30% off H&R Block's DIY and Assisted Channels Tax Offerings
30% off
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Get 20% off admission to Cirque du Soleil shows touring Canada, plus 15% off resident shows in Las Vegas
20% off touring shows, 15% off Las Vegas resident shows
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Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO business credit card
3 months Instacart+ plus $5 monthly credit
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Unlock up to 35% off base rates on your next car rental with Avis and Budget when you prepay at booking
up to 35% off
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BMO PaySmart Installment Plans - Live now, pay smarter with a BMO PaySmart plan by turning your credit card purchases into smaller, monthly payments at a low cost
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
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident