Offer
- Welcome offer: Get up to 90,000 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*
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%
Value
Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value
Advantages
Welcome Bonus amount
Up to 90,000 Points
Minimum Spending Required
$6,000
Minimum Spending Timeframe (Months)
3 month(s)
Annual Credit
$200
VIP Lounges
$240
Concierge
Travel Credits
Lounge Annual Visits included
6
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
5 Points
Local Transport
1 Point
Travel
5 Points
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+
$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
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
$60,000
90 day(s)
Mobile Device Insurance
Price Protection
Legal
*Terms and conditions apply
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