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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

BMO Rewards MasterCard

Reward yourself each time you shop!
Earn flexible rewards you can use for travel, merchandise and more.



    Redeem for travel, merchandise and gift cards.



    Travel rewards with no restrictions or expiry.



    A straightforward earn rate, with no limits and a low annual fee.

The BMO® Rewards MasterCard®* gets you:

1% back for travel on all card purchases1

Here's how it works:

  • Spend = $5,000 on card purchases
  • Earn = 5,000 BMO Rewards points 1 BMO Rewards point for every $1 in card purchases
  • Redeem = $50 towards travel
    There are zero restrictions on how many BMO Rewards points you can earn, how often you can redeem or how many points you can redeem at once.

    Redeem points for merchandise, gift cards or charitable donations.
    It's up to you. You can even redeem towards contributions into your BMO investment account2

    Flexible travel rewards
    Redeem anytime with no blackout periods and cover ALL flight charges, including taxes. PLUS: Points never expire3

    Fees and Rates:

    $35 Annual fee
    19.9% Interest rate

    How far can I go with my BMO Rewards MasterCard?

    Card Details

    Turn everyday purchases into valuable rewards – for merchandise, gift cards, and travel – with no restrictions on flights, time of year or seating.

    • Take your travel points further
      Apply travel credits toward the retail price of your flight – no markups – so the
      cheaper the trip, the fewer points you need
    • Travel with confidence with our Common Carrier insurance coverage4
    • Add a cardholder to your BMO MasterCard account
      Earn even more BMO Rewards points for free
    • Double BMO Rewards points5 and up to 25% off car rentals
      At National Car Rental and Alamo Rent A Car locations worldwide6

      Insurance and Protection

      Feel protected wherever you are — with the exclusive insurance and protection that comes with your BMO Rewards MasterCard:

      BMO Rewards Common Carrier Protection

      • Feel protected while you travel with Common Carrier Accidental Death and Dismemberment Insurance coverage, which also covers dependants.
      Download insurance certificate (PDF) for full-coverage details.

      Extended Warranty

      • Save the cost of buying optional extended warranty insurance on your next purchase by paying with your BMO credit card. This coverage doubles the original manufacturer's warranty period up to a maximum of one additional year.
      Download insurance certificate (PDF) for full-coverage details.

      Purchase Protection

      • Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase.
      Download insurance certificate (PDF) for full-coverage details.

      Zero Dollar Liability

      • In case the unexpected should happen, enjoy free protection from both theft and the fraudulent use of your card. If your card is used without your authorization, you will not be liable if you notify us within 24 hours (among other criteria).

        Show criteria

      Help Around the World and Lost or Stolen Card Replacement Funds from
      MasterCard Global Service®*

      Enjoy peace of mind when travelling around the world. You can call us 24 hours a day, 365 days a year and we'll connect you with a representative who speaks your language, and can help with:

      • Lost or stolen cards
      • Emergency replacement cards or up to $1,000 in emergency funds
      • Locate an ATM, and more

      Additional Protection

      BMO MasterCard®* Balance Insurance - $0.94 per $100 (plus applicable taxes) of your monthly statement balance

      Protects the balance on your BMO MasterCard. Helps maintain your credit rating and protects you and your family in case of unexpected events for balances up to $15,000*.
      *Benefits reduce at the age of 65

      BMO Rewards MasterCard gives you the option to add features to your card to better suit your individual needs. For more information on any feature outlined above, or to add any to your card, please call us at 1-800-263-2263.

      The Fine Print

      To save you time, here's a convenient page of resources that outlines everything you need to know about your
      BMO Rewards MasterCard terms, costs, cardholder rights and benefits.

      Important Information on Rates and Fees

      • Key information about your BMO Rewards MasterCard, such as the latest fees, interest rates, grace period, minimum payment, foreign currency conversion, and more.
      Download important information (PDF) for full details.

      Cardholder Agreement

      • A detailed explanation of your rights and responsibilities as a BMO MasterCard cardholder.
      Download cardholder agreement (PDF) for full details.

      BMO Rewards Agreement

      • This guide outlines in detail the terms and conditions governing your BMO Rewards MasterCard rewards.
      Download terms and conditions (PDF) for full details.


      • A detailed explanation of the rules and provisions that govern your BMO Rewards MasterCard.


        Every BMO MasterCard® comes loaded with valuable features.



        We offer additional insurance coverage options to take the worry out of your trips.



        Feel protected wherever you are with the exclusive security features that comes with your BMO MasterCard.

      Ready to apply?