Monthly spending

Adjust the following to get your most accurate value

$
Welcome bonus
$400
Rewards points
Annual rewards
$0
Rewards points
Annual fee
$120
20.99% Purchase Interest, 23.99% Cash Advance, 23.99% Balance Transfer
20.99% Purchase Interest, 23.99% Cash Advance, 23.99% Balance Transfer

More life with 5x the points.

Card Details ±

  • Welcome offer: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year – that’s a $570 value in your first year!*
  • (30,000 points when you spend $3,000 in the first 3 months, and 2,500 points for each subsequent month in which you make at least $2,000 in purchases on your card, for 12 months)
  • Earn 5x the BMO Rewards points on groceries, dining, gas and transit*
  • Get 1 BMO Reward for every $1 spent on everything else*
  • Get a $50 annual lifestyle credit to spend however you want*
  • Mobile Device Insurance that covers you for up to $1,000*
  • Earn 10% more points when you add an authorized user to your account*
  • Pay with Points by browsing your recent transactions & redeem your points for as little as $1
  • 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
  • This offer is not available for residents of Quebec.†
  • †Terms and conditions apply – see bank site for full details.
  • The information provided on the Website is provided AS IS and for informational purposes only and is not and should not be construed as financial or investment advice. RMR makes no representations or warranties about the accuracy of any information contained on the Website, and shall not be responsible for any inaccuracies, misrepresentations, errors or omissions in the information provided therein, and some information may not always be up to date.
Conditions Apply
Network & Provider
Annual Interest Rates & Fees
  • $120.00
  • $0.01
  • 20.99%
  • 23.99%
  • 23.99%
Eligibility
  • $60,000/year
  • $100,000/year
  • 725+

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