Card Features
- No fee, Lifestyle, Rewards Get up to 25,000 bonus points in your first year.*
- Welcome offer: Get 20,000 points when you spend $1,500 in the first 3 months - that's a $133 value!*
- 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 - that's just 1,000 points per month!*
- 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months.*
- Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
- Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout.* Then get 1 point for every $2 spent on everything else!*
- Mobile Device Insurance that covers you for up to $1,000*
- Pay with Points by browsing your recent transactions & redeem your points for as little as $1
- Purchase Protection*
- Extended Warranty*
- Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- 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
*Terms and conditions apply
Interest Rates
Purchase APR: 21.99%
Balance Transfer APR: 23.99% (21.99% for Quebec residents)
Cash Advance APR: 23.99% (21.99% for Quebec residents)
Annual Fee
$0
Pros
- Excellent sign up bonus potential
- No annual fee
- Low balance transfer intro rate
Cons
- Not a low rate card
Bonus Offer
No fee, Lifestyle, Rewards Get up to 25,000 bonus points in your first year.*
Introductory Rates
Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
Reward Earnings Rate
Additional Details
Grace Period: 21 says