Card Features
- Welcome Offer: Get 10,000 points when you spend $1,000 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.*
- Get 1 BMO Rewards point for every $1 spent*
- Earn faster with additional cardholders
- Get up to 25% off car rentals at National®#† Car Rental and Alamo®*‡ Rent A Car locations worldwide*
- Extended Warranty*
- Purchase Protection*
- 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: 22.99%
Cash Advance APR: 22.99% (21.99% for Quebec residents)
Annual Fee
$0
Pros
- Accessible to people with low income
- Great balance transfer offer
- No annual fee
Cons
- Not much to complain about. It's a pretty solid card for the target market.
Bonus Offer
Welcome Offer: Get 10,000 points when you spend $1,000 in the first 3 months.*
Introductory Rates
Reward Earnings Rate
1 point for every $1 spent
Additional Details
Grace Period: 21 days