Loyalty Program: BMO Rewards

Earn up to 25,000 bonus points:

  • Get 20,000 points when you spend $1,500 in your first 3 months.*
  • 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 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout*
  • Then get 1 point for every $2 spent on everything else!*
  • Profitez de trois mois d’adhésion à Instacart+ et d’un crédit Instacart mensuel de 5 $ lorsque vous vous inscrivez avec votre carte de crédit BMO admissible*
  • 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 and redeem your Points for as little as $1*
  • Receive a discount on car rentals*
  • Purchase Protection*
  • Extended Warranty*
Legal

*Conditions apply.

BMO is not responsible for maintaining the content on this site. For the latest information, please click on the Apply Now link.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • Groceries2.5Points
  • Dining and Food delivery2.5Points
  • Recurring Payments2.5Points
Value
  • Year 1 $384
  • Year 2+ $218
Best For
Transfer Partners
  • BMO Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical 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
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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