Lucky | Finly Wallet

How you earn rewards

Earn 5 Points for every $1 spent at participating Blue Rewards Partners*
Earn 1 Point for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchases*
Earn 0.5 Points for every $1 spent on everything else*
Earn additional Points on top of your credit card Points when you use your physical or digital Blue Rewards Member Card at checkout*
Get even more Blue Points when you add an extra cardholder for free*
Redeem any amount of Points to reduce what you pay out of pocket when using a combination of your BMO Blue Rewards credit card and Points*
Redeem your Points for entertainment, merchandise, eGift Cards, in-store purchases and more*
Unlock exclusive offers at top brands through Blue Rewards offers*

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: $0

Welcome Bonus

Get 20,000 Bonus Points and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee*. Plus, earn rewards from over 400 brands.*

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

Type: Points

Loyalty Program: BMO Blue Rewards

Our Rating

3/5

Institution

BMO

Insurance & Benefits

2 insurance

4 benefits

Insurance

Coverage

Extended Warranty

Extension of original manufacturer’s warranty up to 1 year*

Purchase Protection

90 days*

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.*

Roadside Assistance

Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*

Discount

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

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
Generous welcome bonus
High partner purchase optimization
Roadside assistance

Cons

Niche optimization
Standard balance transfer rate after promo period

Legal

*Terms and conditions apply.

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.