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BMO Rebate Processing Information
BMO rebates typically have a longer processing time compared to other financial institutions. We recommend saving your application reference number after applying for future reference.
ℹ️ Note: If your application reference number ends in "A" or "W", please file a ticket for us after your approval.
This timeline is entirely determined by BMO's internal processes. BMO independently manages their verification process and only sends approval confirmations to us once per month (around the 15th). We have no ability to expedite this process.
Once we receive confirmation from BMO, we promptly process your rebate 10 days. Without your reference number, BMO may not be able to locate your application in their system if it's missing from their report, which is outside our control.
Haven't received your rebate within 30 days of card approval?
File a TicketRebate Offer Terms
** Terms and conditions apply.
- Terms and conditions apply.
- Subject to approval.
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. |
* 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.
How to Get the Rebate
- 1.Sign in or create a new FinlyWealth account.
- 2.Click the offer link provided in order to be redirected to the merchant's page.
- 3.Make sure to add your INTERAC e-Transfer email to your Finly profile for us to process payments.
- 4.Complete your application process in one go.
- 5.Once approved, the institution will report the transaction to us based on their reporting schedule, which can vary from 3-5 days to 1-2 months. Your Finly cashback profile will reflect that as soon as we receive a status update.
- 6.Rebate payments are generally processed within 10 days of receiving transaction confirmations, however it may vary depending on payment processing times.
Rebate Timeline
Posting Time
30-45 days from application submission
Locking Time
45 days from application approval
Application Submitted
You submit your application
Pending Verification
BMO determines your eligibility
Expected: 30 daysFinal Approval
Rebate is approved
Expected: 15 daysPayments & Privacy
- •We take privacy serious and believe in keeping your information the way it's meant to be - private. We ask for minimal information to reduce exposure and secure any personal information stored using the latest industry standards.
- •Payments are sent via INTERAC e-Transfer through our secure automated payment system. If your INTERAC requires a password to accept payments, you can find your unique passcode in your Finly account page, otherwise the cash payment will be auto-deposited directly into your bank account.
Helpful Tips
Don't switch devices
Making sure to complete the process in one go without switching devices will help to avoid unforeseen tracking issues.
Avoid cookie or ad blockers
Most of our tracking process is done through browser cookies, hence blocking them would introduce potential tracking issues. Don't use incognito mode either.
Read eligibility criteria
It's generally recommended to read and understand the eligibility criteria before you apply for a financial product.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
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.
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.