Card Features
- Welcome offer: Get up to 25,000 bonus points in your first year!* Get 20,000 points when you spend $1,500 - that's a $133 value in your first 3 months!* Plus, earn up to 5,000 bonus points: - 2,500 points for setting up your digital wallet and 2,500 points for setting up pre-authorized payments in the first 3 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
- Receive a discount on car rentals*
- Purchase Protection*
- Extended Warranty*
- 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: 20.99%
Balance Transfer APR: 23.99%
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
Welcome offer: 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