My wallet | Finly Wallet

How you earn rewards

3% cash back on grocery purchases (maximum $15 per statement)
1% cash back on recurring payments like bills or subscriptions (maximum $5 per statement)
0.5% cash back on all other purchases

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%

Promotional Rates

Balance Transfer: 0.99%*

Promotional Period: 9 months*

^* 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.

Annual Fees

Main Card: $0

Additional Cards: $0

Welcome Bonus

Get 5% cash back in your first 3 months*
Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred*

Annual Income

Personal: N/A

Household: N/A

Credit Score Estimate

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Card Type

Credit

Reward Type

Cash Back

Our Rating

3.2/5

Institution

BMO

Insurance & Benefits

2 insurance

4 benefits

Insurance

Coverage

Purchase Protection

90 days

Extended Warranty

1 year

Benefits

Details

Car Rental Discount

Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool.

Discount

Get 20% off admission to Cirque du Soleil shows touring Canada, and 15% off resident shows in Las Vegas.

Hotel Booking Discount

Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada.

Discount

Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

Pros & Cons

Pros

No annual fee
Impressive grocery cashback
Multiple discounts

Cons

Low base earn rate
Limited insurance

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.