Welcome offer : Get up to 120,000 points*
Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
Get 1 BMO Reward for every $1 spent on everything else*
Get a $200 annual lifestyle credit to spend however you want*
Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
Earn 25% more points when you add an authorized user to your account*
Mobile Device Insurance that covers you for up to $1,000*
Pay with Points by browsing your recent transactions & redeem your points for as little as $1
Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*
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Annual Fee
Primary card $499
Additional card $99
Annual Income Required
Individual $150,000
Household $200,000
Interest Rates
Purchase Rates
20.99 %
Cash Advance Rates
23.99 %
Balance Transfer Rates
—
Earning Rate
Groceries 5 Points
Gas 5 Points
Dining and Food delivery 5 Points
Value
Year 1 $1,222
Year 2+ $421
Advantages
Annual Credit
VIP Lounges
Travel Insurance
Travel medical insurance up to 54 years old
$5,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
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{"main":{"value":"146","welcome_bonus":"Up to 120,000 Points","estimated_value":440,"mc_welcome_bonus_amount":"120000","minimum_spending":"$75,000","minimum_spending_timeframe_months":"12 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":68,"filter":"raw","term_order":"0"},{"term_id":787,"name":"Drugstores","slug":"drugstores","term_group":0,"term_taxonomy_id":787,"taxonomy":"mc_best_for","description":"","parent":0,"count":15,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":36,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":46,"filter":"raw","term_order":"0"},{"term_id":782,"name":"Travel","slug":"travel","term_group":0,"term_taxonomy_id":782,"taxonomy":"mc_best_for","description":"","parent":0,"count":39,"filter":"raw","term_order":"0"}],"annual_fee":"499","first_year_fee":false,"loyalty_slug":"bmo-rewards","card_slug":"bmo-eclipse-visa-infinite-privilege-card"},"advantages":{"has_lounge_access":true,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":702,"name":"BMO Rewards","slug":"bmo-rewards","term_group":0,"term_taxonomy_id":702,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":18,"filter":"raw","term_order":"0"},"rewards_groceries":"5","rewards_gas_stations":"5","rewards_restaurants":"5","rewards_travel":"5","rewards_recurring_payments":"1","rewards_allspending":"1","annual_credit":"200","vip_salon":"240","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$99","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"23.99%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":true,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Welcome offer: Get up to 100,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users.*
5x the points for every $1 spent on eligible travel purchases,* 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,* 1 point for every $1 spent everywhere else.*
Now get the highest rewards points for travel of any premium flexible travel card in Canada!†
Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes .
Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
Points you can use to cover all flight charges & taxes*
Fly on any airline, with no blackout dates*
Redeem your points at any time through the BMO Rewards center.
Best-in-class travel and medical insurance (unlimited trips per year)*
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Annual Fee
Primary card $150
Additional card $50
Annual Income Required
Individual $80,000
Household $150,000
Interest Rates
Purchase Rates
20.99 %
Cash Advance Rates
23.99 %
Balance Transfer Rates
23.99 %
Earning Rate
Travel 5 Points
Air Canada5 Points
Dining and Food delivery 3 Points
Value
Year 1 $1,256
Year 2+ $289
Advantages
Annual Credit
VIP Lounges
Travel Insurance
Travel medical insurance up to 54 years old
$2,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 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
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
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Close
{"main":{"value":"308","welcome_bonus":"Up to 100,000 Points","estimated_value":310,"mc_welcome_bonus_amount":"100000","minimum_spending":"$37,500","minimum_spending_timeframe_months":"15 month(s)","best_for":[{"term_id":38932,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":38932,"taxonomy":"mc_best_for","description":"","parent":0,"count":11,"filter":"raw","term_order":"0"},{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":29,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":36,"filter":"raw","term_order":"0"},{"term_id":38938,"name":"VIP lounges","slug":"lounges","term_group":0,"term_taxonomy_id":38938,"taxonomy":"mc_best_for","description":"","parent":0,"count":5,"filter":"raw","term_order":"0"},{"term_id":782,"name":"Travel","slug":"travel","term_group":0,"term_taxonomy_id":782,"taxonomy":"mc_best_for","description":"","parent":0,"count":39,"filter":"raw","term_order":"0"}],"annual_fee":"150","first_year_fee":true,"loyalty_slug":"bmo-rewards","card_slug":"bmo-ascend-world-elite-mastercard"},"advantages":{"has_lounge_access":true,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":702,"name":"BMO Rewards","slug":"bmo-rewards","term_group":0,"term_taxonomy_id":702,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":18,"filter":"raw","term_order":"0"},"rewards_groceries":"1","rewards_gas_stations":"1","rewards_restaurants":"3","rewards_travel":"5","rewards_recurring_payments":"3","rewards_allspending":"1","annual_credit":"","vip_salon":"160","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$50","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"23.99%","mc_balance_transfer_rates":"23.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":true,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Best credit card for gas and transit in 2023
Welcome offer : Get up to 70,000 points worth $467 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year – that’s a $637 value in your first year!*
Earn 5x the BMO Rewards points on groceries, dining, gas and transit*
Get 1 BMO Reward for every $1 spent on everything else*
Get a $50 annual lifestyle credit to spend however you want*
Earn 10% more points when you add an authorized user to your account*
Mobile Device Insurance that covers you for up to $1,000*
Pay with Points by browsing your recent transactions & redeem your points for as little as $1
Legal
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Annual Fee
Primary card $120
Additional card $50
Annual Income Required
Individual $60,000
Household $100,000
Interest Rates
Purchase Rates
20.99 %
Cash Advance Rates
23.99 %
Balance Transfer Rates
—
Earning Rate
Groceries 5 Points
Gas 5 Points
Dining and Food delivery 5 Points
Value
Year 1 $1,072
Year 2+ $365
Advantages
Annual Credit
VIP Lounges
Travel Insurance
Travel medical insurance up to 54 years old
$5,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
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{"main":{"value":"350","welcome_bonus":"Up to 70,000 Points","estimated_value":170,"mc_welcome_bonus_amount":"70000","minimum_spending":"$25,000","minimum_spending_timeframe_months":"12 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":68,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":36,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":46,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"}],"annual_fee":"120","first_year_fee":true,"loyalty_slug":"bmo-rewards","card_slug":"bmo-eclipse-visa-infinite-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":702,"name":"BMO Rewards","slug":"bmo-rewards","term_group":0,"term_taxonomy_id":702,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":18,"filter":"raw","term_order":"0"},"rewards_groceries":"5","rewards_gas_stations":"5","rewards_restaurants":"5","rewards_travel":"1","rewards_recurring_payments":"1","rewards_allspending":"1","annual_credit":"50","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$50","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"23.99%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
Earn more cash back on the categories that mean the most:
5% on groceries *
4% on transit including ride sharing, taxis and public transportation*
3% on gas and electric vehicle charging*
2% on recurring bill payments like your monthly phone bill or favourite streaming service*
1% unlimited cashback on all other purchases*
Get the highest cash back earn rate on groceries in Canada.*
Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*.
Complimentary Roadside Assistance Program*
Extended Warranty Plus*
Purchase Protection Plus*
BMO CashBack World Elite Travel and Medical Protection*
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
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Annual Fee
Primary card $120
Additional card $50
Annual Income Required
Individual $80,000
Household $150,000
Interest Rates
Purchase Rates
20.99 %
Cash Advance Rates
23.99 %
Balance Transfer Rates
23.99 %
Earning Rate
Groceries 5 %
Local Transport 4 %
Gas 3 %
Advantages
Annual Credit
VIP Lounges
Travel Insurance
Travel medical insurance up to 54 years old
$2,000,000
8 day(s)
Travel medical insurance up to 64 years old
$5,000,000
8 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
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Close
{"main":{"value":"200","welcome_bonus":"Up to $260 cash back","estimated_value":120,"mc_welcome_bonus_amount":"260","minimum_spending":"$2,600","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":68,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":29,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":46,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"}],"annual_fee":"120","first_year_fee":true,"loyalty_slug":"cashback","card_slug":"bmo-cashback-world-elite-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":76,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cash back","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":61,"filter":"raw","term_order":"0"},"rewards_groceries":"5","rewards_gas_stations":"3","rewards_restaurants":"1","rewards_travel":"1","rewards_recurring_payments":"2","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$50","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"23.99%","mc_balance_transfer_rates":"23.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":true,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Welcome offer:
Get up to 70,000 BMO Rewards points in your first year.
Plus, we’ll waive the $149 annual fee for 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*
Enjoy VIP Airport Lounge Access at more than 400+ airports worldwide. You’ll get two complimentary lounge visits each year.
Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*
You can now use your BMO Mastercard at Costco stores across Canada
Get up to 7 cents off per litre on all Shell® ± fuel*
Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
Our Liability Waiver Program protects your business against employee card abuse*
25 payment grace days*
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Annual Fee
Primary card $149
Additional card $0
Annual Income Required
Individual $0
Household $0
Interest Rates
Purchase Rates
17.99 %
Cash Advance Rates
22.99 %
Balance Transfer Rates
22.99 %
Earning Rate
Gas 4 Points
Telecom/Internet 4 Points
Office Supplies 4 Points
Advantages
Annual Credit
VIP Lounges
Travel 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
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Close
{"main":{"value":"335","welcome_bonus":"Up to 70,000 Points","estimated_value":229,"mc_welcome_bonus_amount":"70000","minimum_spending":"$5,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":794,"name":"Cellphone \/ Internet subscriptions","slug":"cell-internet","term_group":0,"term_taxonomy_id":794,"taxonomy":"mc_best_for","description":"","parent":0,"count":6,"filter":"raw","term_order":"0"},{"term_id":788,"name":"Office supplies","slug":"office","term_group":0,"term_taxonomy_id":788,"taxonomy":"mc_best_for","description":"","parent":0,"count":7,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":46,"filter":"raw","term_order":"0"},{"term_id":38931,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":38931,"taxonomy":"mc_best_for","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"}],"annual_fee":"149","first_year_fee":true,"loyalty_slug":"bmo-rewards","card_slug":"bmo-rewards-business-mastercard"},"advantages":{"has_lounge_access":true,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"},{"term_id":46408,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":46408,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":702,"name":"BMO Rewards","slug":"bmo-rewards","term_group":0,"term_taxonomy_id":702,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":18,"filter":"raw","term_order":"0"},"rewards_groceries":"1.5","rewards_gas_stations":"4","rewards_restaurants":"1.5","rewards_travel":"1.5","rewards_recurring_payments":"1.5","rewards_allspending":"1.5","annual_credit":"","vip_salon":"80","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"17.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":true,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Best AIR MILES Credit Card in 2024
Limited time offer : Get 3,000 AIR MILES Bonus Miles ! That’s enough for $310 towards purchases with AIR MILES Cash! Plus, get the $120 annual fee waived for the first year .
Get 3x the Miles for every $12 spent at participating AIR MILES Partners and 2x the Miles for every $12 spent at any eligible grocery store*.
Earn 1 reward mile for every $12 in credit card purchases , everywhere you spend*
Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
BMO AIR MILES World Elite Travel and Medical Protection*
BMO Concierge Service
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
Legal
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Annual Fee
Primary card $120
Additional card $50
Annual Income Required
Individual $80,000
Household $150,000
Interest Rates
Purchase Rates
20.99 %
Cash Advance Rates
23.99 %
Balance Transfer Rates
23.99 %
Earning Rate
AIR MILES partners 0.25 miles
All Spending 0.08 miles
Groceries 0.08 miles
Advantages
Annual Credit
VIP Lounges
Travel Insurance
Travel medical insurance up to 54 years old
$2,000,000
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
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
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{"main":{"value":"394","welcome_bonus":"3,000 miles","estimated_value":120,"mc_welcome_bonus_amount":"3000","minimum_spending":"$3,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":38932,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":38932,"taxonomy":"mc_best_for","description":"","parent":0,"count":11,"filter":"raw","term_order":"0"},{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":68,"filter":"raw","term_order":"0"},{"term_id":787,"name":"Drugstores","slug":"drugstores","term_group":0,"term_taxonomy_id":787,"taxonomy":"mc_best_for","description":"","parent":0,"count":15,"filter":"raw","term_order":"0"},{"term_id":782,"name":"Travel","slug":"travel","term_group":0,"term_taxonomy_id":782,"taxonomy":"mc_best_for","description":"","parent":0,"count":39,"filter":"raw","term_order":"0"}],"annual_fee":"120","first_year_fee":true,"loyalty_slug":"air-miles-en","card_slug":"bmo-air-miles-world-elite-mastercard"},"advantages":{"has_lounge_access":true,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":743,"name":"AIR MILES","slug":"air-miles-en","term_group":0,"term_taxonomy_id":743,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":42,"filter":"raw","term_order":"0"},"rewards_groceries":"0.08","rewards_gas_stations":"0.08","rewards_restaurants":"0.08","rewards_travel":"0.08","rewards_recurring_payments":"0.08","rewards_allspending":"0.08","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$50","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"23.99%","mc_balance_transfer_rates":"23.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":true,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Welcome Offer : Get 3,000 AIR MILES Bonus Miles when you spend a minimum of $5,000 in the first three months.
Plus, we’ll waive the $149 annual fee for a year.*
Get 4x the Miles when you use your card at participating AIR MILES partners
Get 1 Mile for every $12 you spend*
Get up to 7 cents off per litre on all Shell® ± fuel*
You can now use your BMO Mastercard at Costco stores across Canada
Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*
25 payment grace days*
Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
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Annual Fee
Primary card $149
Additional card $0
Annual Income Required
Individual $0
Household $0
Interest Rates
Purchase Rates
19.99 %
Cash Advance Rates
22.99 %
Balance Transfer Rates
22.99 %
Earning Rate
AIR MILES partners 0.33 miles
All Spending 0.08 miles
Groceries 0.08 miles
Advantages
Annual Credit
VIP Lounges
Travel 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
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
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{"main":{"value":"347","welcome_bonus":"3,000 miles","estimated_value":149,"mc_welcome_bonus_amount":"3000","minimum_spending":"$5,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":38932,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":38932,"taxonomy":"mc_best_for","description":"","parent":0,"count":11,"filter":"raw","term_order":"0"},{"term_id":788,"name":"Office supplies","slug":"office","term_group":0,"term_taxonomy_id":788,"taxonomy":"mc_best_for","description":"","parent":0,"count":7,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":46,"filter":"raw","term_order":"0"}],"annual_fee":"149","first_year_fee":true,"loyalty_slug":"air-miles-en","card_slug":"bmo-air-miles-business-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":743,"name":"AIR MILES","slug":"air-miles-en","term_group":0,"term_taxonomy_id":743,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":42,"filter":"raw","term_order":"0"},"rewards_groceries":"0.08","rewards_gas_stations":"0.08","rewards_restaurants":"0.08","rewards_travel":"0.08","rewards_recurring_payments":"0.08","rewards_allspending":"0.08","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"19.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":true,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
No annual fee
Purchase Insurance
Mobile Device Insurance
Get up to 25,000 bonus points in your first year!*
Get 20,000 points when you spend $1,500 in the first 3 months – that’s a $133 value!*
Plus, earn up to 5,000 bonus points every year.
2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points
2,500 bonus points for paying your full credit card balance on time for 12 consecutive months
Earn 5 points for every $2 spent on recurring bills, groceries, dining, and takeout*
Get 1 point for every $2 spent on everything else!*
Get a 0.99% introductory interest rate on Balance Transfers for 9 months , 2% fee applies to balance amounts transferred.*
Mobile Device Insurance that covers you for up to $1,000 *
Pay with Points by browsing your recent transactions & redeem your points for as little as $1
Receive a discount on car rentals*
Purchase Protection*
Extended Warranty*
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Annual Fee
Primary card $0
Additional card $0
Annual Income Required
Individual $0
Household $0
Interest Rates
Purchase Rates
20.99 %
Cash Advance Rates
23.99 %
Balance Transfer Rates
23.99 %
Earning Rate
Groceries 2.5 Points
Dining and Food delivery 2.5 Points
Recurring Payments 2.5 Points
Advantages
Annual Credit
VIP Lounges
Travel Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
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{"main":{"value":"308","welcome_bonus":"Up to 25,000 Points","estimated_value":0,"mc_welcome_bonus_amount":"25000","minimum_spending":"$1,500","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":68,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":29,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":36,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"bmo-rewards","card_slug":"bmo-eclipse-rise-visa-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":702,"name":"BMO Rewards","slug":"bmo-rewards","term_group":0,"term_taxonomy_id":702,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":18,"filter":"raw","term_order":"0"},"rewards_groceries":"2.5","rewards_gas_stations":"0.5","rewards_restaurants":"2.5","rewards_travel":"0.5","rewards_recurring_payments":"2.5","rewards_allspending":"0.5","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"23.99%","mc_balance_transfer_rates":"23.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":"21.99%"},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Welcome offer : Get 5% cash back in your first 3 months*
Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
Now earn the highest cash back on groceries in Canada without paying an annual fee!†
Get a 0.99% introductory interest rate on Balance Transfers for 9 months , 2% fee applies to balance amounts transferred*
No annual fee*.
FREE additional cards
Extended Warranty*
Purchase Protection*
Legal
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Annual Fee
Primary card $0
Additional card $0
Annual Income Required
Individual $15,000
Household $15,000
Interest Rates
Purchase Rates
20.99 %
Cash Advance Rates
22.99 %
Balance Transfer Rates
22.99 %
Earning Rate
Groceries 3 %
Recurring Payments 1 %
All Spending 0.5 %
Advantages
Annual Credit
VIP Lounges
Travel Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
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{"main":{"value":"100","welcome_bonus":"Up to $100 cash back","estimated_value":0,"mc_welcome_bonus_amount":"100","minimum_spending":"$1,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":68,"filter":"raw","term_order":"0"},{"term_id":787,"name":"Drugstores","slug":"drugstores","term_group":0,"term_taxonomy_id":787,"taxonomy":"mc_best_for","description":"","parent":0,"count":15,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":46,"filter":"raw","term_order":"0"},{"term_id":38931,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":38931,"taxonomy":"mc_best_for","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"bmo-cashback-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":76,"filter":"raw","term_order":"0"},{"term_id":46408,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":46408,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cash back","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":61,"filter":"raw","term_order":"0"},"rewards_groceries":"3","rewards_gas_stations":"0.5","rewards_restaurants":"0.5","rewards_travel":"0.5","rewards_recurring_payments":"1","rewards_allspending":"0.5","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
The best cash back credit card for students
Welcome offer : Get 5% cash back in your first 3 months*
Then get:
3% cash back on grocery purchases,
1% cash back on recurring bill payments
0.5% unlimited cash back on all other purchases!*
Now earn the highest cash back on groceries in Canada without paying an annual fee!†
Get cash back every time you spend, plus start building a healthy credit history
Receive a discount on car rentals*
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Annual Fee
Primary card $0
Additional card $0
Annual Income Required
Individual $0
Household $0
Interest Rates
Purchase Rates
20.99 %
Cash Advance Rates
22.99 %
Balance Transfer Rates
22.99 %
Earning Rate
Groceries 3 %
Recurring Payments 1 %
All Spending 0.5 %
Advantages
Annual Credit
VIP Lounges
Travel Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
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{"main":{"value":"100","welcome_bonus":"Up to $100 cash back","estimated_value":0,"mc_welcome_bonus_amount":"100","minimum_spending":"$1,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":68,"filter":"raw","term_order":"0"},{"term_id":787,"name":"Drugstores","slug":"drugstores","term_group":0,"term_taxonomy_id":787,"taxonomy":"mc_best_for","description":"","parent":0,"count":15,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":46,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"bmo-cashback-mastercard-for-students"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":76,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cash back","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":61,"filter":"raw","term_order":"0"},"rewards_groceries":"3","rewards_gas_stations":"0.5","rewards_restaurants":"0.5","rewards_travel":"0.5","rewards_recurring_payments":"1","rewards_allspending":"0.5","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
No annual fee
Free Supplementary Cards
Accepted at Costco
Welcome offer:
Get 10% cash back on gas, office supplies and cell phone/internet bills for 3 months*
0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*
Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments*
1.75% cash back at Shell®*
Get up to 7 cents off per litre on all Shell® ± fuel*
You can now use your BMO Mastercard at Costco stores across Canada
No annual fee*.
Legal
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Annual Fee
Primary card $0
Additional card $0
Annual Income Required
Individual $0
Household $0
Interest Rates
Purchase Rates
19.99 %
Cash Advance Rates
22.99 %
Balance Transfer Rates
22.99 %
Earning Rate
Gas 1.5 %
Recurring Payments 1.5 %
Telecom/Internet 1.5 %
Advantages
Annual Credit
VIP Lounges
Travel Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
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Close
{"main":{"value":"125","welcome_bonus":"Up to $125 cash back","estimated_value":0,"mc_welcome_bonus_amount":"125","minimum_spending":"$5,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":794,"name":"Cellphone \/ Internet subscriptions","slug":"cell-internet","term_group":0,"term_taxonomy_id":794,"taxonomy":"mc_best_for","description":"","parent":0,"count":6,"filter":"raw","term_order":"0"},{"term_id":788,"name":"Office supplies","slug":"office","term_group":0,"term_taxonomy_id":788,"taxonomy":"mc_best_for","description":"","parent":0,"count":7,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":29,"filter":"raw","term_order":"0"},{"term_id":38931,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":38931,"taxonomy":"mc_best_for","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"bmo-cashback-business-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":76,"filter":"raw","term_order":"0"},{"term_id":46408,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":46408,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cash back","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":61,"filter":"raw","term_order":"0"},"rewards_groceries":"0.75","rewards_gas_stations":"1.5","rewards_restaurants":"0.75","rewards_travel":"0.75","rewards_recurring_payments":"1.5","rewards_allspending":"0.75","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"19.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
No annual fee
Purchase Insurance
Accepted at Costco
Limited time offer : Get 1,500 AIR MILES Bonus Miles!* That’s enough for $150 towards purchases with AIR MILES Cash*
Get a 0.99% introductory interest rate on Balance Transfers for 9 months , 2% fee applies to balance amounts transferred*
Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store*.
Get 1 Mile for every $25 spent everywhere else *
Purchase Protection and Extended Warranty*
Zero Liability Protection
No annual fee*.
Legal
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Annual Fee
Primary card $0
Additional card $0
Annual Income Required
Individual $15,000
Household $15,000
Interest Rates
Purchase Rates
20.99 %
Cash Advance Rates
22.99 %
Balance Transfer Rates
22.99 %
Earning Rate
AIR MILES partners 0.12 miles
All Spending 0.04 miles
Groceries 0.04 miles
Advantages
Annual Credit
VIP Lounges
Travel Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
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