Offer
Welcome offer:
- Get over $1,500 in value!* This includes up to 100,000 BMO Rewards Points – that’s a $669 value in the first year.*
Here’s how the welcome offer adds up:
- $135 in value (20,000 BMO Rewards Points) when you make your first purchase*
- Up to $535 in value (8,000 BMO Rewards Points from months 3-12) when you spend $3,000 each month*
- $701 in value from your premium benefits*
- Plus, your $149 annual fee is waived in the first year*
- 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*
- Earn 4 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments*
- Earn 1.5 BMO Rewards points for every $1 you spend*
- Complimentary membership in Mastercard Travel Pass provided by DragonPass, with two annual complimentary passes*
- Get up to 7 cents off per litre on all Shell®± fuel*
Fees & Conditions
Personal Income
$0
Household Income
$0
Annual Fee
$149
First Year Annual Fee Rebate
First Additional Card
$0
Foreign Transaction Fee
2.5%
Purchase Rates
18.99%
Cash Advance Rates
23.99%
Balance Transfer Rates
23.99%
Balance Transfer
Balance Transfer Intro Duration
9 month(s)
Balance Transfer - Promotional Rate
0.00%
Balance Transfer Fees
3%
Value
Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First Year Annual Fee Rebate
-
First year offer value
Rewards Earned
Annual fee
Net value
Advantages
Offer ends on
Dec 13, 2025
Welcome Bonus amount
Up to 100,000 Points
Minimum Spending Required
$30,000
Minimum Spending Timeframe (Months)
12 month(s)
VIP Lounges
Lounge Annual Visits included
2
Costco
Earnings
Per dollar of purchases
All Spending
1.5 Points
Groceries
1.5 Points
Gas
4 Points
Dining and Food delivery
1.5 Points
Convenience Stores
1.5 Points
Drugstores
1.5 Points
Local Transport
1.5 Points
Travel
1.5 Points
Entertainment
1.5 Points
Recurring Payments
1.5 Points
Telecom/Internet
4 Points
Streaming services
1.5 Points
Online transactions
1.5 Points
Office Supplies
4 Points
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
Alternative Cards
Legal
*Terms and Conditions apply. BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information