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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

BMO U.S. Dollar MasterCard

A convenient way to shop in the U.S. or buy online from U.S. retailers.

  • CONVENIENT U.S. SHOPPING

    CONVENIENT U.S. SHOPPING

    One less worry with your U.S. travel and shopping.

  • BUY ONLINE FROM THE U.S.

    BUY ONLINE FROM THE U.S.
     

    No costly exchange rate surprises.

  • LOW ANNUAL FEE

    LOW ANNUAL FEE
     

    And no fee the next year, with a minimal spend1.

The BMO U.S. Dollar MasterCard gets you:

No exchange rate surprises:
U.S. credit card purchases are charged in U.S. dollars

Get a rebate on our low annual fee ($35):
If your annual BMO U.S. Dollar MasterCard purchases total US$1,000 or more, the annual fee for the next year will be rebated to your credit card 1

Double the manufacturer's warranty on your credit card purchases, plus:
Your items are protected from theft or damage for 90 days2

Fees and Rates:

US $35 Annual Fee
19.9% Interest rate

Card Details

Make U.S. travel and shopping more convenient with your U.S. dollar credit card – avoid the cost and uncertainty of fluctuating exchange rates by making U.S. purchases in U.S. funds.

Conveniently pay for U.S. purchases in U.S. dollars – with no costly exchange rate surprises

Get free extended warranty and purchase protection: Items bought with your credit card are automatically insured against theft for 90 days. And you save the cost of buying extended warranty insurance – you're already covered.2

Enjoy free Zero Dollar Liability protection from both theft and fraudulent use of your credit card3

Get a rebate on our low annual fee ($35): If your annual BMO U.S. Dollar MasterCard purchases total US$1,000 or more, the annual fee for the next year will be rebated to your credit card1

Get a BMO U.S. Dollar Premium Rate Savings Account and enjoy the convenience of:

  • Paying your BMO U.S. Dollar credit card bill in U.S. dollars instantly.
  • Converting Canadian funds to U.S. dollars when U.S. exchange rates are low.

    Insurance and Protection

    Feel protected wherever you are — with the exclusive insurance and protection that comes with your BMO U.S. Dollar MasterCard:

    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 and Travel Insurance Options


    The Fine Print

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

    Important Information on Rates and Fees

    • Key information about your BMO U.S. Dollar 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.

    Footnotes

    • A detailed explanation of the rules and provisions that govern your BMO U.S. Dollar MasterCard.
    • INCLUDED FEATURES

      INCLUDED FEATURES

      Every BMO MasterCard® comes loaded with valuable features.

    • OPTIONAL COVERAGE

      OPTIONAL COVERAGE

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

    • ADDITIONAL SECURITY

      ADDITIONAL SECURITY

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

    Ready to apply?