Offer
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*
- 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*
Fees & Conditions
Personal Income
$150,000
Household Income
$200,000
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%
Cash Advance Rate (QC)
21.99%
Advantages
Welcome Bonus
Up to 50,000 points
Minimum Spending Required
$3,000
Minimum Spending Timeframe
90 day(s)
Rewards Type
Travel points
Transfer Partners
BMO Rewards
Loyalty Program
BMO Rewards
All Spending
1
Travel
5
Local Transport
1
Dining and Food delivery
5
Groceries
5
Convenience Stores
1
Gas
5
Drugstores
5
Office Supplies
1
Telecom/Internet
1
Entertainment
1
Online transactions
1
AIR MILES partners
1
Air Canada
5
Streaming services
1
Recurring Payments
1
Concierge
Travel Credits
Value
Value
We estimate the value of the welcome offer during the first year for all the credit card offers. Are taken into consideration:
- The value of cash back or points earned
- The value of the benefits or credits earned with the Card
- The annual fee value (offered or not)
| Calculation of the offer value in the first year |
|
| Value per point | 0.67 ¢ |
| Welcome bonus | approximately $235 |
| Annual credit | $200 |
| Annual access to airport lounges (approximately $35 per access) |
$210 |
| Annual fee | – $499 |
| Value | approximately $146 |
Insurance
Common Carrier Travel Accident Insurance Amount
$500,000
Flight Delay Insurance Amount
$1,000
Lost/Stolen Baggage Insurance Amount
$2,500
Trip Cancellation Insurance Amount Per Person
$2,500
Trip Interruption Insurance Amount Per Person
$2,000
Travel medical insurance up to 64 years old
Travel medical insurance up to 64 years old - Duration
21 day(s)
Auto Rental Loss/Insurance - Amount MSPP
$65,000
Purchase Protection - Amount
$60,000
Purchase Protection - Duration
90 day(s)
Medical Travel Insurance
Extended Warranty
Extended Warranty - Duration
1 year(s)
Insurance Document
Learn More
Legal
Legal
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