Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Rewards CanadaHere you have a card that is being marketed by BMO as one that rewards good financial habits and they state cardholders "get rewarded when it comes to building your financial future." The concept of rewarding the good financial habits of paying your entire credit card balance and redeeming points to...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 20.99% |
| Balance Transfer Interest Rate |
23.99% (0.99% for the first 9 months)
|
| Cash Advance Interest Rate |
23.99% 21.99% for Quebec residents |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% Maximum |
| Cash Advance Fee |
1% Minimum of $5 |
| Foreign Transaction Fee |
2.5% Transactions made in a foreign currency will be converted and posted to your account in Canadian currency. |
| Over Limit Fee | $29.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus |
20000 points after spending $1,500 On purchases within the first 3 months |
| Rewards | |
| All Purchases | 1 point per $2 spent |
| Restaurants |
5 points per $2 spent On dining and takeout |
| Gas | No |
| Groceries | 5 points per $2 spent |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills |
5 points per $2 spent On recurring bill payments |
| Additional Details |
|
| Features & Benefits | |
| Additional Card Holders |
|
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | Yes |
| Wireless Payments | Apple Pay, Google Pay |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments |
|
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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