Rewards
Base earn rateSee card details
Welcome bonusNone
Rewards typenone
Fees & rates
Annual fee$49
Additional card$0
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Get 20% off admission to Cirque du Soleil shows touring Canada, and 15% off resident shows in Las Vegas
⭐
Add another cardholder free of charge
⭐
BMO PaySmart Installment Plans - turn your credit card purchases into smaller, monthly payments at a low cost
⭐
Zero Liability - safeguard yourself from any monetary loss resulting from fraudulent card use
⭐
Mastercard Identity Check - add another layer of security to protect you when you shop online
⭐
BMO Alerts - manage notifications for credit card transactions, large purchases, international use and more
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
extended warranty
doubles the original manufacturer's warranty period
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident