Rewards
Base earn rate1 point per $1 spent on everything else
ProgramBMO Rewards
Welcome bonusGet up to $1,150 in value including up to 70,000 Bonus points, monthly streaming statement credit, $50 anniversary lifestyle credit, and no annual fee in your first year
Rewards typepoints
Fees & rates
Annual fee$120
Purchase interest rate21.99%
Cash advance rate23.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Complimentary Instacart+ for six months with $10 monthly Instacart credit when you enroll your eligible BMO Credit Card
6 months free + $10/month credit
⭐
Earn 10% more points on all purchases when you add an authorized user to your account
10% bonus
⭐
BMO PaySmart Installment Plans to turn credit card purchases into smaller monthly payments at low cost
⭐
Free access to Credit Coach 24/7 with no impact to credit score
free
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $5,000,000
🛡️
common carrier accident
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
Eligibility
Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident