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.
LOW ANNUAL FEE
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:
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?
Turn everyday purchases into valuable rewards – for merchandise, gift cards, and travel – with no restrictions on flights,
time of year or seating.
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.
- 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.
- Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase.
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).
If your card is used without your authorization, you will not be liable if: you did not contribute to the unauthorized use; you used reasonable care to safeguard your card and PIN; you notify us by telephone within 24 hours if you learn of the loss, theft or misuse of your card or cheques, or after you suspected that someone else knows your PIN; you have not reported two or more unauthorized transactions in the last 12 months, and your account is in good standing. If you don't meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use.
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
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.
- 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.
- 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.