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Please confirm you meet the minimum income requirements for this card by answering the following question(s):

Is your annual individual income

Annual income before taxes and deductions

or more? Or I spend $2,100 or more each month on my credit cards combined.

BMO Rewards MasterCard BMO Rewards MasterCard

Reward yourself each time
you shop!

BMO Rewards® MasterCard®*

BMO Rewards MasterCard
Earn flexible rewards every time you use your card for merchandise, gift cards, and travel.
Earn 1% toward travel on all credit card purchases9
19.99% for Purchases8
22.99% for Cash Advances8
$35 Annual Fee8


Credit Card Benefits

Explore our world-class features that save time and money.

Safety & Security

Use your card with confidence, knowing you're always protected.

Travel Services

Get around-the-clock coverage, whether you're in Canada or abroad.

Other Card Services & Tools

Make purchases or access your funds, no matter where you are.


Credit Card Benefits

Credit Card Benefits

Explore our world-class features that save time and money.

Apply your BMO Rewards points earned on everyday purchases towards merchandise, gift cards and travel.

1% back for travel on all card purchases.9 Here's how it works:

  • Spend
    on credit card purchases
  • Earn
    BMO Rewards points
  • Redeem
    towards travel

Redeem points for merchandise, gift cards or charitable donations.

It's up to you. You can even redeem towards contributions into your BMO® investment account.

Smart ways to use your travel points

Apply rewards toward the retail price of flights, hotels and more without mark-ups when you book through the BMO Reward Center*. Remember, you can save points by taking cheaper flights.
*You can use your points to cover the booking fees. There is no online booking fee. A fee of $29.95, plus applicable taxes, will be charged per phone booking.

Earn faster with additional cardholders

Increased spending with an additional cardholder will earn more reward points.

Double your BMO Rewards Points

Earn double BMO Rewards points10B and get up to 25% off car rentals at National®#† Car Rental and Alamo®*‡ Rent A Car locations worldwide.25

Travel with Common Carrier Insurance39

Feel protected while you travel with Common Carrier Accidental Death and Dismemberment Insurance coverage, which also covers dependents.6

Download insurance certificate (PDF) for full-coverage details

Features Of Every Card

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.40

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.40

Download insurance certificate (PDF) for full-coverage details

Zero Dollar Liability30

Get free protection from both theft and fraudulent use of your card. 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

Whether you've left your wallet in the airport or are lost in Paris and need to locate an ATM, you can call us 24 hours a day, 365 days a year. 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 funds23
  • Locate an ATM that accepts MasterCard, Maestro®*, and Cirrus®* brands
  • Access account-related information
  • Access any applicable card benefits


Travel Services

Travel Services

Get around-the-clock coverage, whether you're in Canada or abroad.

Additional Coverage Options5

Add any of these comprehensive travel or insurance options to your BMO MasterCard account.

This could get you in free travel