Rewards
Base earn rate0.5% cash back on all other purchases
ProgramBMO CashBack
Welcome bonusGet up to 5% cash back in your first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.
Rewards typecashback
Fees & rates
Annual fee$0
Purchase interest rate21.99%
Cash advance rate23.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Complimentary Instacart+ for three months and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card
$5/month credit for 3 months
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident