Change Language | Region*
American flag

*Products and services featured on our websites are only available to residents of the selected country.

Set your homepage
    Set your homepage

HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

This credit card is for you, if...


  • ...you want to reward yourself with travel, merchandise and gift cards.

  • ...you want travel rewards with no restrictions.

  • … you want reward points that cover ALL charges, including taxes.

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
    • 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

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

Every BMO MasterCard comes loaded with valuable features.
  • 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 (and earn even more BMO Rewards points) for free
  • Double BMO Rewards points5 and up to 25% off rentals at National Car Rental locations worldwide6
Why the BMO Rewards program?
  • Earn 1 BMO Rewards point for every $1 in credit card purchases toward merchandise, gift cards, travel, and more - that's 1% back in travel
  • Redeem points for a range of valuable rewards, from electronics and housewares to charitable donations
  • Book any seat on any flight – or any hotel, or vacation package – no restrictions
  • Use bmorewards.com to book your vacation, flight or holiday package, at competitive rates

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.

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
Key information about your BMO Rewards MasterCard, such as the latest fees, interest rates, grace period, minimum payment, foreign currency conversion, and more.

Cardholder Agreement
A detailed explanation of your rights and responsibilities as a BMO MasterCard cardholder.

BMO Rewards Agreement
This guide outlines in detail the terms and conditions governing your BMO Rewards MasterCard rewards.

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

Ready to apply?

Online
5 easy steps, only 5 minutes, safe & secure
In person
Make an appointment at your local branch
Questions?
  • Call 1-800-263-2263
    Mon-Sat: 8a.m. - 12a.m. (ET)
    Sun: 10a.m. - 12a.m. (ET)
  • Lost or stolen card?
    1-800-361-3361
  • Find a branch near you