Loyalty Program: BMO Rewards

  • 5X points on groceries, gas, dining and transit
  • $50 Annual Credit
  • Visa Infinite Benefits
Learn More
Best credit card for gas and transit in 2023
  • 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 achieved by your first anniversary!
  • 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 Anniversary 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
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*Terms and conditions apply

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

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • Groceries5Points
  • Gas5Points
  • Dining and Food delivery5Points
Value
  • Year 1 $1,072
  • Year 2+ $365
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
$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
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

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