Network: Mastercard

Cash back details

The cashback is based on a point-accumulation system. You get 1 point for every $2 in purchases charged to your Allure Mastercard^® credit card account, providing your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. The cashback will be paid as a credit applied to your account and cannot be paid in cash. Your account is in good standing when you meet the obligations of your credit card agreement (for example, making the minimum payment by the due date). Interest charges, annual fees, balance transfers, cash advances, service charges, insurance premiums, Mastercard promotional cheques and refunded purchase amounts are not eligible for point accumulation. For full details, see the Applicable Rules [PDF].

Discount on gift cards

The 10% discount on gift cards applies to the total amount of the purchase on yourallure.ca. Gift cards are redeemable at participating Allure partners: Amerispa, Banana Republic, Gap, Old Navy and Winners/HomeSense/Marshalls. Choice of gift card amounts: $25, $50 or $100 (subject to partner availability). No discount will be given in store upon presentation of the Allure card. Gift cards cannot be replaced in the event of damage, loss or theft. The list of Allure partners is subject to change without notice. Gap, Old Navy and Banana Republic gift cards can be used at all Gap, Old Navy and Banana Republic stores in North America. Gift cards are redeemable for in-store merchandise only. For questions about Gap, Old Navy and Banana Republic gift cards, call 1 800 GAP-STYLE, 1 800 OLD-NAVY and 1 888 BR-STYLE respectively.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

^*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Legal notes

^® ALLURE and NATIONAL BANK are registered trademarks of National Bank of Canada.

^® Mastercard and Tap and Go are registered trademarks, and the circles design of the logo is a trademark of Mastercard International Incorporated. National Bank is an authorized user.

^™ ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.

National Bank donates $0.10 for every $10 charged to an Allure Mastercard^® credit card account over a 12-month period to the Quebec Breast Cancer Foundation. The annual donation is capped at $750,000.

These protections apply as long as the purchases or expenses in question are charged to the National Bank Allure Mastercard credit card. Extended warranties apply to most new items purchased with the card, in Canada or abroad, as long as the manufacturer’s warranty is in effect and valid in Canada. Certain conditions and restrictions apply. For more information and details concerning your insurance coverage, please consult the insurance certificate attached to your card.

Balance transfers and cash advances are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Certain conditions apply to the Zero Liability protection. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

*Terms and conditions apply

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

Cash back details

Card issued subject to National Bank credit approval. A 1% cash back is granted on restaurant purchases and recurring pre-authorized payments when settled by recurring automatic payments to your macrédit account. The 0.5% cash back applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cash back is disbursed. Your account is in good standing when you meet the obligations of your credit card agreement (e.g., making the minimum payment by the due date). Eligible pre-authorized payments are defined as payments made regularly and automatically debited by a merchant from your credit card. Balance transfers, cash advances, and fees related to card usage are not included in the cash back calculation. To learn about the terms and restrictions applicable to cash back, consult the Cash Back Program [PDF].

Mobile device protection

Subject to purchase of device with card or telephony service subscription paid by recurring pre-authorized payments from your macro-credit account.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

^*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

®MASTERCARD is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.

®NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.

TM mycredit is a trademark of National Bank of Canada.

Legal notes

^™ MYCREDIT is a trademark of National Bank of Canada.

^® MASTERCARD AND TAP & GO are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

^™ ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.

These protections apply if the purchases or expenses are charged to the National Bank mycredit Mastercard credit card. Extended warranties apply to most new items purchased with the card, in Canada or abroad, as long as the manufacturer’s warranty is in effect and valid in Canada. Certain conditions and restrictions apply. For more information and details concerning your insurance coverage, please consult the insurance certificate attached to your card.

Subject to credit approval by National Bank. Each balance transfer must be at least $250.

Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

*Conditions apply.

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

*Terms and conditions apply

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

^*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Legal notes

^® MC1 and Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

^™ MYCREDIT is a trademark of National Bank of Canada.

^® Priceless Cities is a registered trademark of Mastercard International Incorporated. Authorized user: National Bank.

^™ ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.

^® Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

^® Google Pay is a trademark of Google LLC and this content is not endorsed by or affiliated with Google in any way.

Balance transfers and cash advances are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.

Subject to credit approval by National Bank of Canada.

You will receive a response confirming that your request has been approved, denied, or is in progress. Please note that if your request is in progress, we will ask you for additional information.

Cash back details

All eligible purchases earn 1% cash back as long as your account is in good standing. Your account is in good standing when you meet the obligations of your credit card agreement (e.g. make the minimum payment by the due date). The cashback will be paid as a credit applied to your account and cannot be paid in cash. An additional 0.5% cash back is awarded on the first $25,000 in eligible online, gas, and grocery purchases charged annually to your credit card account. The additional 0.5% cash back does not apply when the balance of eligible annual purchases exceeds $25,000. Beyond this amount, the cash back is 1% on all types of eligible purchases. For conditions and restrictions applying to cash back and for the detailed list of codes associated with participating merchants, consult the Accumulation Grid [PDF] and the Applicable Rules [PDF].

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

^*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.