Rewards
Base earn rate0.5% cash back on all other purchases
Welcome bonusUp to 5% cash back on every purchase in first 3 months
Rewards typecashback
Fees & rates
Annual fee$0
Additional card$0
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Get up to 30% off Avis car rental base rates when you prepay with card, or minimum 10% off when you book with card
up to 30% off
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Get up to 35% off Budget car rental base rates when you prepay with card, or minimum 10% off when you book with card
up to 35% off
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Get 20% off admission to Cirque du Soleil shows touring Canada, and 15% off resident shows in Las Vegas
20% off Canada shows, 15% off Las Vegas shows
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Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card
3 months free plus $5/month credit
⭐
Add another cardholder free of charge
free
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
extended warranty
doubles original manufacturer's warranty
🛡️
purchase protection
full purchase price coverage
🛡️
purchase protection
up to $20,000
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident