a
Low interest
APPLY NOW

BMO Preferred Rate Mastercard®*

Welcome offer
0.99% of interest rate
INTEREST RATES
12.99% Purchase
15.99% Cash advance
special feature(s)
Free additional card
Cardholders can add a supplementary cardholder to their account at no extra cost. This means they can share the benefits and rewards of their account with a family. No matter where they shop, the supplementary cardholder will also enjoy the low preferred rate on purchases.
ANNUAL FEES
$20 Main cardholer
Waived for the first year
$0 Additional card
Add a second user for free to let them enjoy all the benefits and offers that come with this card.

Welcome offer

Get a 0.99% introductory interest rate on Balance Transfers for 9 months† with a 2% transfer fee and we'll waive the $20 annual fee for the first year*

Benefit from one of the lowest balance transfer introductory rates from any card*. Worldwide acceptance at over 30 million locations*

Special features

Personal credit card with a low interest rate

This personal low-interest credit card has the lowest BMO interest rate of 12.99% for purchases and 15.99% on cash advances, making it perfect for those who want to save money on interest charges.

Free additional card

Cardholders can add a supplementary cardholder to their account at no extra cost. This means they can share the benefits and rewards of their account with a family. No matter where they shop, the supplementary cardholder will also enjoy the low preferred rate on purchases.

REQUIREMENTS

630
CREDIT
SCORE
CANADIAN RESIDENCY
REQUIRED INCOME

INSURANCE

📆

Extended Warranty

Extended Warranty Insurance by BMO doubles the original manufacturer’s warranty to a maximum of 1 additional year.

🛍

Purchase Security

Shop confidently with Purchase Security Insurance which provides up to 90 days of coverage against theft or damage of covered items from the date of purchase.

BENEFITS

🌎

Worldwide customer service

BMO cards come with 24/7 customer support anywhere in the world.

SIMILAR CARDS

Cashback
BMO CashBack® Mastercard®*
Reward
BMO AIR MILES®† Mastercard®*
Reward
BMO Rewards® Mastercard®*
Cashback
Scotia Momentum® No-Fee Visa* card
Low interest
Scotiabank Value® Visa* card
Cashback
Money-Back Credit Card
Cashback
Tangerine World Mastercard
Cashback
Scotia Momentum® Visa* card
Balance transfer
CIBC Select Visa Card

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Still not sure? Compare credit cards and find the best one for your needs.

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