Offer
Offer
Terms of the offer
- Welcome offer: Get up to 50,000 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 Priority PassTM membership and 6 lounge pass visits for primary cardholders and 6 lounge pass vists for every authorized user on the account per year*
- Mobile Device Insurance that covers you for up to $1,000*
- Earn 25% more points when you add an authorized user to your account*
- 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*
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
Fees & Conditions
Personal Income
$150000
Household Income
$200000
Annual Fee
$499
First Additional Card
$99
Other Additional Card
$99
Foreign Transaction Fee
2.5%
Purchase Rates
20.99%
Cash Advance Rates
23.99%
Advantages
Welcome Bonus
Up to 50,000 points
Rewards Type
Travel points
Loyalty Program
BMO Récompenses
All Spending
1
Travel
5
Local Transport
1
Restaurants
5
Groceries
5
Convenience Stores
1
Gas Stations
5
Pharmacies
5
Office Supplies
1
Telecom/Internet
1
Food Delivery
1
Entertainment
1
Recurring Payments
1
Concierge
Travel Credits
Value
Value
Offer Value
For all the credit card offers, we estimate the first year Offer Value according to:
- Value of the Cashback or Points earned with the Offer
- Value of the Benefits or travel credits earned with the Offer
- Annual fee offer (first-year rebate or not)
| Offer Value calculation for the first-year |
|
| Point Value (according to milesopedia) | 0.7 ¢ |
| Welcome Offer Value | ≈ $245 |
| Points earned with minimum purchases to get the Welcome Offer (1 to 5 points per dollar) |
≈ $105 |
| $200 annual lifestyle credit (application to Dec. 31) | ≈ $200 |
| $200 annual lifestyle credit (from Jan. 01) | ≈ $200 |
| 6 annual passes for Airport Lounges (≈ $35 / visit) |
≈ $210 |
| Annual fee | – $499 |
| Estimated Value | ≈ $461 |
Insurance
Common Carrier Travel Accident Insurance
Common Carrier Travel Accident Insurance Amount
$500000
Flight Delay Insurance
Flight Delay Insurance Amount
$500
Lost/Stolen Baggage Insurance
Lost/Stolen Baggage Insurance Amount
$750
Trip Cancellation Insurance
Trip Cancellation Insurance Amount Per Person
$2500
Trip Interruption Insurance
Trip Interruption Insurance Amount Per Person
$2000
Travel medical insurance up to 64 years old
Travel medical insurance up to 64 years old - Duration
21
Travel medical insurance up to 64 years old - Details
Oui
Auto Rental Loss/Insurance
Auto Rental Loss/Insurance - Amount MSPP
$65000
Purchase Protection
Purchase Protection - Duration
90
Purchase Protection - Amount
$60000
Extended Warranty
Extended Warranty - Duration
1
Insurance Document
Learn More