Rewards
Base earn rate1 point per $1 spent on all other purchases
ProgramBMO Rewards
Welcome bonusGet up to $2,300 in value including up to 200,000 points and NEXUS Statement Credit. Plus 0% introductory interest rate on Balance transfers for 12 months with 2% transfer fee.
Rewards typepoints
Fees & rates
Annual fee$599
Purchase interest rate21.99%
Cash advance rate23.99%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Visa Airport Companion membership with 6 complimentary airport lounge visits per year
more than $250 USD annually
💳
Priority Security Lane, airport parking and valet service discounts at select Canadian airports
⭐
Access to Visa Infinite Luxury Hotel Collection with exclusive benefits like free breakfast
🎩
Visa Infinite Privilege Concierge personal assistant service
⭐
Unique dining and wine events with Visa Infinite Dining Series and Visa Infinite Wine Country
⭐
Troon Rewards Golf benefits including discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S.
⭐
Six months of complimentary Instacart+ with $10 monthly Instacart credit
6 months free + $10/month credit
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
🛂 NEXUS fee rebate
Insurance coverage
🛡️
travel medical
up to $5,000,000 per insured person, per trip
🛡️
common carrier accident
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
trip cancellation
Included — see issuer for details.
🛡️
flight delay
up to $1,000 per trip for all insured persons
🛡️
baggage loss
Included — see issuer for details.
Eligibility
Minimum personal income$60,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident