Network: Visa

Welcome offer: Get up to 120,000 points worth $800 in travel rewards and a $200 anniversary lifestyle credit when you reach your first anniversary

• 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 Anniversary 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*

• Get up to 80,000 Aeroplan points:
  • 20,000 points the first time you make a purchase^†
  • 30,000 points if you spend at least $15,000 during the periods covered by the first 6 monthly statements^†
  • 35,000 Aeroplan points as an additional bonus if you have at least $25,000 in eligible net purchases posted to your account during the period covered by the first 12 monthly statements†
• Enjoy free first-baggage check-in: a value of $140 for two travellers on each round-trip flight, assuming you fly Air Canada round-trip during the first year^†
• Enjoy access to Maple Leaf^TM lounges, a $550 value^†
• Enhance your airport experience with six complimentary visits to over 1,200 airport lounges worldwide through the Visa Airport Companion Program, a value of over $370^†
• Plus, get a discount on the NEXUS^TM program application fee, a $100 value^†

• Earn up to 60,000 Aeroplan points (a value of up to $1,200†):
  • 10,000 Aeroplan points the first time you make a purchase†
  • 20,000 Aeroplan points if you spend at least $10,000 during the periods covered by your first four monthly statements†
  • 30,000 Aeroplan points if you spend at least $40,000 in the first year†
• Get a one-time annual fee rebate ($180) for you (the primary cardholder) and up to three authorized users ($50 each), a value of over $170†
• Enjoy a free first checked bag†: a $120 value for 2 travellers for each round-trip flight, assuming you take one round-trip Air Canada flight in the first year†.
• Plus, enjoy access to the Maple Leaf Lounges, a $100† value.

• Get up to 40,000 Aeroplan points:
  • 10,000 Aeroplan points when you make your first purchase^†
  • 10,000 Aeroplan points if you spend at least $6,000 during the first six monthly statement periods^†
  • 20,000 Aeroplan points as an additional anniversary bonus if you have at least $12,000 in net purchases posted to your account during the first 12 monthly statement periods^†
• Enjoy free first-baggage check-in: a value of $140 for two travellers on each round-trip flight, assuming you fly Air Canada round-trip during the first year^†
• Plus, get a one-time annual fee refund ($139) for you (the primary cardholder) and up to three authorized users ($50 each), a value of over $189^†

Get a total of up to 80,000 Aventura Points^† (up to $1,600 in travel value^†) during your first year:

• 25,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods^†
• 25,000 Aventura Points when you spend $6,000 or more in the first 4 monthly statement periods.^†
• 30,000 Aventura Points as an additional anniversary bonus^†
• Elevate your airport experience with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $250 value^†
• Get a $200 annual Travel Credit^†
• Plus, get 2 NEXUS^TM Application Fee rebates4: a $100 value^†.

• 2% in BONUSDOLLARS for eligible purchases made in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year - beyond that, the earning rate drops to 0.5%)
• 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
• 0.5% in BONIDOLLARS on your other purchases

• 2% cash back at grocery stores
• 0.5% on everything else
• 1.99% interest rate on balance transfers during the first six months

• 3% cash back at grocery stores
• 2% cash back on travel (flights, hotels, Airbnb, and cruises)
• 1% cash back on everything else

• Eliminate credit card foreign currency conversion rates and fees when making purchases or paying for bills in U.S. Dollars
• Enjoy Chip & PIN security and Visa PayWave* contactless payment convenience
• Travel and shop with a suite of insurance coverages
• Enjoy all the benefits of your TD U.S. Dollar Visa* Card using Apple Pay. It's the easy, secure, and private way to pay

• 4% in BONUSDOLLARS for purchases in the Restaurant, Entertainment, Public Transit categories
• 3% in BONUSDOLLARS on purchases in the Travel category (up to $25,000 in purchases during the year - beyond that, the accumulation rate drops to 1.5%)
• 3% in BONUSDOLLARS for your purchases in the Grocery category
• 1.5% on BONUSDOLLARS for your other purchases

Use it to earn it

• 1 point on Gas and Grocery
• 1 point on Recurring Payments
• 0.5 point on everything else

Earn up to $40 in points

• Earn up to 2,000 bonus points when you make your first purchase within the first three months and set up a pre-authorized payment.
• Plus, earn 2,000 bonus points when you refer a friend or family member.