Rewards
Base earn rate0.75% cash back on all other card purchases
Welcome bonusGet 10% cash back on gas, office supplies, and cellphone and internet bill payments for 3 months
Rewards typecashback
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 automatic rebates of 1%-25% when you shop at qualifying merchants with Mastercard Easy Savings
1-25%
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Get up to 22 additional cards so employees can easily make purchases on behalf of your business
up to 22 cards
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Get protection against employee card abuse with our Liability Waiver Program
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Use your card anywhere Mastercard is accepted BMO credit cards are accepted at more than 30 million locations worldwide
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Enjoy an easier way to pay with tap & go and pay for your purchases without swiping or inserting your card
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
up to full purchase price
🛡️
extended warranty
up to one additional year
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident