BMO Rewards® Mastercard®*

Welcome offer
10 000Points
BMO Rewards® Mastercard®* applications must be received from September 2, 2022 to be eligible for welcome bonus offer. Refunds, cash advances, cash-like transactions, and interest charges don't count as purchases.
20.99% Purchase
22.99% Cash advance
0.99% of interest rate
The promotional interest rate is not valid on balances transfered from other BMO cards. Balance transfers are not eligible for rewards.
$0 Main cardholer
$0 Additional card


Enter your total monthly expenses or by category

Welcome offer
The calculation result is based on the conversion of the welcome offer points into statement credit
Estimated annual rewards
The calculation result is based on the conversion of the maximum number of points that can be awarded after the first year

This card is awesome for a personal user because :

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*

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?





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.



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.


How to Check Your Vanilla Visa Balance in Canada

If you are looking for a prepaid credit card, the Vanilla Visa card is an excellent choice. While the card does not…

The Best Credit Cards Welcome Offers in Canada for January 2023

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

All About the Visa Debit Card in Canada

What’s so special about a Visa debit card? It’s time you understood the plastic in your wallet. A Visa debit card is…

The 10 Best Black Credit Cards in Canada for 2022

Black credit cards are rare and exclusive. They’re designed for the rich and are considered prestigious.Plus, they come with some great perks…

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.