
Card Details
Interest Rates
Purchase: 21.99%
Cash Advance: 23.99%□
Balance Transfer: 23.99%□
□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%
Annual Fees
Main Card: $599
Additional Cards: $99
Annual Income
Personal: $150,000
Household: $200,000
Credit Score Estimate
Welcome Bonus
- 50,000 points when you spend $6,000 in the first 3 months, plus 30,000 points when you spend at least $30,000 in the first 6 months. Receive an additional 40,000 points when you spend at least $75,000 in the first year.
- Offer ends on January 31, 2026
Our Rating
3/5
Institution
BMO
Rewards
- 5x points per $1 spent on grocery, dining, gas, drugstore and travel related purchases (maximum 125,000 points on dining, 125,000 points on travel, 100,000 points on groceries, 75,000 points on gas, and 75,000 points on drugstore)
- 1x point per $1 spent on all other eligible purchases
Insurance & Benefits
Insurance
Coverage
Purchase Protection
120 daysExtended Warranty
triples up to 2 yearsEmergency Out of province Medical
$5M up to 22 days/personEmergency Medical Over 65
$5M up to 3 days/personTravel Accident
$500,000/personTrip Interruption
$5,000/person, $25,000 tripTrip Cancellation
$2,500/person, $5,000 tripFlight Delay
$1,000Baggage Delay
$500/person, $1K/tripLost or Stolen Baggage
$1,000/person, $2,500/tripHotel Burglary Insurance
$2,500Car Rental Damage & Theft
$85,000 up to 48 daysMobile Device Insurance
$1,000
Benefits
Details
Airport Lounge - Dragon Pass
Visa Airport Companion membership and 6 complimentary airport lounge visits per yearAnniversary Credit
$200 anniversary lifestyle creditExtra points
Earn 25% more points on all purchases when you add an authorized user to your accountConcierge Services
Visa Infinite Privilege Concierge like having a personal assistant on speed dialVisa Infinite Exclusive Benefits
Visa Infinite luxury hotel collection, dining series and wine countryGolf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.SPriority Travel
Priority Security Lane, airport parking and valet service discounts at select Canadian airportsGas Discount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collector
Pros & Cons
Pros
- Generous rewards: Earn 5x points on travel, dining, groceries, gas, and drugstore purchases.
- $200 lifestyle credit: Annual credit that can be used on any purchase over $200.
- 25% bonus points with authorized user: Adding an authorized user increases your rewards by 25%.
- Comprehensive insurance: Includes 12 types of coverage, including emergency medical and trip interruption insurance.
- 6 lounge visits: Complimentary Priority Pass membership with 6 free airport lounge visits annually.
Cons
- High annual fee: The card has a steep $499 annual fee, which is not waived in the first year.
- High income requirements: Requires $150,000 personal or $200,000 household income, limiting eligibility.
- Low point value: Points are valued at only 0.67 cents, reducing their overall worth.
Legal
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