a
Reward
APPLY NOW

BMO Rewards® Mastercard®*

Welcome offer
10 000Points
INTEREST RATES
20.99% Purchase
22.99% Cash advance
ANNUAL FEES
$0 Main cardholer
$0 Additional card

REWARD CALCULATOR

Enter your total monthly expenses or by category

🌮
Restaurant
⛽️
Gas
🎉
Entertainment
🛒
Groceries
💵
Other
💸
Total
$
Net annual rewards the 1st year
This amount is the net value of the rewards that this card will earn in the first year, based on your spending. Our calculation takes into account the welcome offer (if any) and deducts the annual fee (if any).
$
Net annual rewards in subsequent years
This amount is the annual net value of the rewards this card will earn after the first year, based on your spending. If there is an annual fee associated with this card, it is deducted from the total annual rewards.

Welcome offer

Get 10,000 points when you spend $1,000 in the first 3 months.*

Enjoy the welcome offer and earn points for every $1 spent on eligible purchases. Redeem your points for travel, merchandise, gift cards, and more.

Incredibly low introductory interest rates

Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred*

Special features

Personal rewards card with no annual fee

This no-annual-fee personal rewards card is a great option for those who want to earn rewards on their everyday purchases. With the BMO Rewards program, you earn 1 reward point for every dollar spent.

No annual fee

There is no annual fee to hold a BMO Rewards Mastercard. So why not enjoy the convenience of having a credit card while also earning rewards points?

REQUIREMENTS

CREDIT
SCORE
CANADIAN RESIDENCY
REQUIRED INCOME

INSURANCE

🛍

Purchase Security

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

📆

Extended Warranty

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.

💳

More rewards with additional card

Earn more BMO Points by adding another cardholder for free.

⭐

Exclusive discounts with my favorite brands

Save up to 25% on car rentals at participating National Car Rental and Alamo Rent A Car locations.

SIMILAR CARDS

Cashback
BMO CashBack® Mastercard®*
Low interest
BMO Preferred Rate Mastercard®*
Reward
BMO AIR MILES®† 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

RELATED ARTICLES

What Are The Best Credit Cards For Teens in Canada?

As teens approach adulthood, they need to become informed on how credit cards operate and which ones are ideal for them. Luckily,…

Read More
The Ultimate Guide to Credit Card Churning in Canada

Unlock extraordinary perks and savings with the ultimate power of credit card churning. In a highly competitive market, financial institutions must ensure…

Read More
The Best Credit Cards Welcome Offers in Canada for March 2023

The best credit card is not the same for everyone, since we all have different needs. So you shouldn’t choose a credit…

Read More
The Best Rewards Credit Cards in Canada for 2023

Your money deserves rewards for everything it lets you do. Sure, you can earn interest in an investment, but as human beings,…

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

Subscribe to our newsletter to receive exclusive content on personal finance

[sibwp_form id=1]
* By subscribing to the Hardbacon newsletter, you also agree to receive communications and offers from select partners. You can unsubscribe at any time.