Network: Visa

Welcome offer : Get up to $2,300 in value including up to 200,000 points, Visa Airport Companion Program membership & 6 Complimentary Lounge Passes, NEXUS Statement Credit, $200 Statement Credit and earn 25% more points when you add another cardholder.
Plus, get 0%s introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.

• 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.*
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• 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.*

Earn up to 60,000 Aeroplan points:

• 10,000 Aeroplan points when the Primary Cardholder makes their first purchase
• 30,000 Aeroplan points when the Primary Cardholder spends $15,000 within 180 days of account opening
• 20,000 Aeroplan points when the Primary Cardholder spends $25,000 within 365 days of account opening
• First-year Annual Fee Rebate for the Primary Cardholder and first two Additional Cardholders

Account must be approved, open and in good standing. Offer may be changed, withdrawn or extended at any time. Offer effective as of March 2, 2026.

• Earn up to 100,000 Aeroplan points:
  • 10,000 Aeroplan points when you spend $1,000 or more during your first 2 monthly statement periods^†
  • 40,000 Aeroplan points when you spend $5,000 or more during your first 4 monthly statement periods^†
  • 50,000 Aeroplan points as an additional anniversary bonus when you have at least $25,000 in net eligible purchases posted on 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^†
• 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^†

• Get up to 75,000 Aeroplan points (a value of up to $1,500^†):
  • 10,000 Aeroplan points the first time you make a purchase^†
  • 25,000 Aeroplan points when you spend at least $7,500 within the first 3 statement periods^†.
  • 25,000 Aeroplan points when $40,000 or more in purchases are charged to the account within the first 12 monthly statement periods^†.
  • An additional bonus of 15,000 Aeroplan points when $40,000 or more in purchases are charged to the account in the first year^†.
• Get a one-time annual fee rebate for the primary cardholder ($180) and three additional cardholders ($50 each): a benefit valued at $330^†.
• Enjoy free first checked bag^†: a benefit valued at $140 for two travelers per round-trip flight, assuming you take one Air Canada round-trip flight during the first year^†.
• Enjoy access to Maple Leaf Lounges: a benefit valued at $236^†.

• Get up to 50,000 Aeroplan points:
  • 10,000 Aeroplan points the first time you make a purchase^†
  • 15,000 Aeroplan points when you spend $6,000 or more during the first 6 monthly statements periods^†
  • 25,000 Aeroplan points as an additional anniversary bonus when you have at least $12,000 in net purchases posted on 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^†

Earn up to 200,000 TD Rewards Points:

• 30,000 TD Rewards Points when the Primary Cardholder makes their first purchase
• 120,000 TD Rewards Points when the Primary Cardholder spends $15,000 within 180 days of account opening
• 30,000 TD Rewards Points when the Primary Cardholder spends $25,000 within 365 days of account opening
• 20,000 TD Rewards Points when a purchase is posted during the 15th-month billing cycle
• First-year Annual Fee Rebate for the Primary Cardholder ($149) and first four Additional Cardholders ($49 each)

Account must be approved, open and in good standing. Offer may be changed, withdrawn or extended at any time. Offer effective as of March 2, 2026.

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 Program2: up to $370 value^†
• Get a $200 annual Travel Credit^†
• Plus, get 2 NEXUSTM Application Fee rebates: a $320 value.^†

• 2% in BONUSDOLLARS on purchases in the Restaurant and Automatic Withdrawal categories (up to $3,600 in purchases per year - beyond that, the earning rate decreases to 0.5%)
• 2% in BONUSDOLLARS on purchases in the Entertainment and Public Transportation categories
• 0.5% in BONUSDOLLARS on all 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

• 10% in rewards on your first $2,000 of eligible purchases, over the first 3 statements (up to $200)^†
• First year annual fee rebate (a $139 value)^†
• 1.99% introductory rate on balance transfers for 6 months (3% transfer fee)^†
• 2% in rewards on health and wellness
• 1.5% on travel, dining and entertainment
• 1% on all other eligible purchases

• 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