Offer
Offer
- 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
Card Awards
Fees & Conditions
Personal Income
$60,000
Household Income
$100,000
Annual Fee
$120
First Year Annual Fee Rebate
First Additional Card
$50
Other Additional Card
$50
Foreign Transaction Fee
2.5%
Purchase Rates
20.99%
Cash Advance Rates
23.99%
Cash Advance Rate (QC)
21.99%
Value
Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP Lounges
First Year Annual Fee Rebate
-
First-Year Offer Value
Accumulated rewards
Annual fee
Net value
Advantages
Offer ends on
Dec 6, 2022
Welcome Bonus amount
Up to 70,000 Points
Minimum Spending Required
$25,000
Minimum Spending Timeframe (Months)
12 month(s)
Annual Credit
$50
Concierge
Earnings
Per dollar of purchases
All Spending
1 Point
Groceries
5 Points
Gas
5 Points
Dining and Food delivery
5 Points
Convenience Stores
1 Point
Drugstores
1 Point
Local Transport
5 Points
Travel
1 Point
Entertainment
1 Point
Recurring Payments
1 Point
Telecom/Internet
1 Point
Streaming services
1 Point
Online transactions
1 Point
Office Supplies
1 Point
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical 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
$2,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
$750
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
$60,000
90 day(s)
Mobile Device Insurance
Price Protection
Legal
Legal
*Terms and conditions apply
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