Card Details
Card Details
Info
Card Type | Credit |
Reward Type | Points |
Our Rating | 3.5/5 |
Institution | BMO |
Loyalty Program |
Fees & Rates
Annual Fee | $0 |
Additional Card Fee | $0 |
Interest Rates | Purchase: 21.99%* Cash Advance: 23.99%*□ Balance Transfer: 23.99%*□ □ Quebec rates: Cash advance 21.99%, Balance transfer 21.99% |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: N/A Household: N/A |
Bonuses
Welcome Bonus | Get up to 25,000 bonus points in your first anniversary!* |
Description | Get 20,000 points when you spend $1,500 in the first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee. 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). Offer ends on January 31, 2026. |
Rewards
- 2.5x points per $1 spent on eligible dining, groceries and recurring bill payments (up to $5,000 spent per category)
- 0.5x point per $1 spent on all other eligible purchases
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Legal
* Terms and conditions apply.
Each balance transfer is subject to a fee of 2% which will be charged to your account on the date the balance transfer is posted to your Account.
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