Rewards
Base earn rate1% cash back on all other purchases
ProgramBMO CashBack
Welcome bonusUp to $650 in value and annual fees waived in first year. Includes $40 in cash back each month when you spend minimum $2,000 in first year, $139 annual fee rebate in first year, and $75 market value Roadside Assistance.
Rewards typecashback
Fees & rates
Annual fee$139
Purchase interest rate21.99%
Cash advance rate23.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Including battery boosts, flat-tire change, lockout service and towing
$75/year market value
⭐
Complimentary Instacart+ with $10 monthly Instacart credit
6 months free Instacart+
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
travel medical
up to $5,000,000
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident