Please note: When you use this premium card to make purchases, it can impose higher acceptance costs or fees merchants pay when they accept credit cards for payment.


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Let's Get Started

About five minutes of your time

To be a Canadian resident with a Canadian address

No bankruptcy in past seven years

To be the age of majority for your province

To meet income requirements for this card

New to Canada? Book an appointment or visit a BMO branch with two pieces of identification to apply for your card.

false

Optional

false

false

Optional

Optional

Your Social Insurance Number is used to ensure an accurate match between your personal information and your credit bureau information and will help us process your application quicker.

false

Sorry! Right now our application doesn't allow for Autofill. Please complete this manually.

You must use a civic address to apply online. If your address is P.O. Box or Rural Route you will need to visit a branch in order to apply.

false

Your home and email address have been completed with information we already have about you. If it is not correct, visit My Profile & Preferences within BMO Online Banking to update before completing this application as this is the address the new credit card will be mailed to.

Your home and email address have been completed with information we already have about you. If it is not correct, call us at 1-877-225-5266 to update before completing this application as this is the address the new credit card will be mailed to.

false

false

Optional

false

false

false

false

false

Your email address will be used to contact you during the application process. We will also add your email address to your contact information once your credit card is open and will be used in accordance with our BMO Privacy Code. You can also update your email preferences at any time by visiting the Subscription Centre.

Would the customer like to receive their welcome kit, statements and communications digitally?

By choosing this option, the customer agrees to receive documents and communications related to this credit card account via email, or via Digital Banking. They will also receive their monthly statements via Digital Banking.

Please review the following with the customer:
Consent to Electronic Delivery of Documents
  • "You provide express consent for BMO to send communications, product documents and monthly statements digitally. You acknowledge that you must register for BMO Digital Banking to view your monthly eStatements."

If the customer wishes to receive paper copies of this information, un-check the box.

Optional

Please enter your AIR MILES Collector Number, so that we may credit your account. If left blank, we will assign a Collector Number upon approval of your application.

false

false

Since you have been at your current Home Address for less than two years, we are going to need your previous address.

You must use a civic address to apply online. If your address is P.O. Box or Rural Route you will need to visit a branch in order to apply.

false

You must use a civic address to apply online. If your address is P.O. Box or Rural Route you will need to visit a branch in order to apply.

false

false

false

Optional

false

false

You must use a civic address to apply online. If your address is P.O. Box or Rural Route you will need to visit a branch in order to apply.

false

false

false

Optional

false

false

false

false

false

Optional

Next

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Financial Information

Your occupation and Employment Status may have been completed with information we already have about you. If it is not correct, call us at 1-877-225-5266 to update before completing this application.

Your occupation and Employment Status may have been completed with information we already have about you. If it is not correct, call us at 1-877-225-5266 to update before completing this application.

The following are considered to be self-employed: Independent consultant; own a business/professional practice; on commission.

If you are self-employed, enter the full legal name of the company you own or operate.

false

This is the month and year when you started your current Employment Status.

You must use a civic address to apply online. If your address is P.O. Box or Rural Route you will need to visit a branch in order to apply.

false

false

false

Optional

false

false

false

Mandatory if employed

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Optional

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Income Sources

Provide at least one source

Provide your gross monthly income before taxes and deductions. If you are self-employed, divide the amount reported on your most recent tax return by 12.

false

Include all pension income reported on your most recent tax return and divide by 12.

false

false

Other Household Income is the total before-tax income from all members (excluding you) that are of the age of majority within your household.

You missed Your Income. You must provide at least one source of income.

false

false

You missed Your Income. You must provide at least one source of income.

The total amount you spend on all your credit cards within a month.

Based on the information you provided, this credit card is not a fit for you. Please visit bmo.com/creditcards to select a different credit card. 

Banking Information

Optional

Terms and Conditions

Please click on each of the following links and review with the customer:
Credit Bureau Authorization
  • "You consent to have BMO obtain your personal credit information from third parties on an ongoing basis to verify your identity, set your card limit, and manage fraud risks".
Privacy Terms
  • "You understand and agree to how BMO collects, uses, discloses, and safeguards your Personal Information, choices, and the rights you have".
Terms and Conditions
  • "You agree to the Terms and Conditions and provide your express consent to establish a BMO Credit Card account".

I have shared all the information above, and the customer has provided their consent to proceed.

Take a moment to review your application. You will not be able to change your information when you move to the next step.
Edit Continue Next

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Additional Options For Your New Card

There are no additional options for this card.

Would you like to add an additional cardholder?

You can request an additional cardholder for your new credit card account by providing some additional information

The additional cardholder you wish to provide a card to must be 13 years of age or older. You can add additional cardholders once you receive your new card.

By selecting “Yes” I acknowledge that I have read and agree to the Terms and Conditions to add an additional cardholder.

false

Optional

false

false

Optional

You must use a civic address to apply online. If your address is P.O. Box or Rural Route you will need to visit a branch in order to apply.

false

false

false

Optional

false

false

false

false

Optional

false

BMO Credit Card Balance Protection

Optional creditor insurance is offered in partnership with, Assurant. To learn more about Assurant’s privacy policy, visit assurant.ca/privacy-policy.
For the coverages you are considering do you currently have insurance that is intended to cover this credit card?
Yes
No
Based on the information you provided, this optional insurance is considered not appropriate for you.

 

Job Loss Coverage Disclosure

You acknowledge that employment eligibility criteria at the time of job loss applies to the Job Loss coverage. Refer to "Job Loss Coverage" for more information

 

Job Loss Exclusion

You acknowledge this insurance does not cover Job Loss within 30 days of your insurance enrolment date.
 

BMO Credit Card Balance Protection Enhanced is an optional insurance coverage that can make it easier for you to manage the financial obligations related to your credit card following a covered event. This insurance is considered appropriate for you, based on the following acknowledgments that you have provided:

  • You do not have insurance that is intended to cover this credit card;
  • You are at least 20 years of age and under 70;
  • You are a resident of Canada;
  • You acknowledge that to be eligible for Job Loss coverage you must meet the employment eligibility criteria at the time of the Job Loss; and
  • You acknowledge that this insurance does not cover Job Loss within 30 days of your insurance enrolment date.

 

Please confirm acknowledgement to proceed

BMO Credit Card Balance Protection Enhanced1

Life Coverage, we pay up to $20 000:
  • On the balance owing on your account at date of death
  • Significant Exclusion: Suicide within 24 months of enrolment
Job Loss Coverage, we pay monthly benefits of 20% of the eligible balance:
  • Job Loss due to involuntary layoff/dismissal without cause, or
  • Loss of Self-employment and business closure for financial reasons
  • Requirement: Working at least 20 hours per week prior to job loss, and remain unemployed more than 30 consecutive days. Contract or temporary employment, must have worked at least 90 consecutive days with the same employer. Self-employed in an active business, must have been working for at least 12 consecutive months
  • Significant Exclusions: Job loss within 30 days of enrolment, strike or lockout, the regular end of seasonal employment period or expiration of a fixed-term contract
Total Disability, we pay monthly benefits of 20% of the eligible balance:
  • Unable to perform your normal activites of daily living (including regular duties of employment/self-employment)
  • Requirement: Must remain totally disabled for more than 30 consecutive days and be regularly seen by a licensed physician
Celebration Events, we will pay one monthly benefit of 20% of the eligible balance:
  • Birth or adoption of your child or grandchild
  • Requirement: Must occur 30 days after enrolment, maximum of one covered event per calendar year
Cost: Monthly premium rate is $1.00 per $100.00 of your new balance (as shown on your account as of the statement date), plus applicable taxes and will be charged and appear on your monthly BMO credit card statement.

Eligibility: You must be the primary cardholder, resident of Canada, and at least 20 but less than 70 years old at time of enrolment.

Please review the Certificate of Insurance (and for Quebec residents: Product Summary, Notice of Rescission and Fact Sheet) for full terms and conditions, including what the insurer will and will not pay, exclusions and the claims process. Upon enrolment, you will receive a package containing your welcome letter and the above documents.

Your insurance coverage starts on the Effective Date shown in the Welcome Letter. This optional insurance can be cancelled at any time. Full refund of premiums paid are provided when cancellation occurs within 30 days of receipt of the Certificate of Insurance. Your coverage ends when the group master policies are terminated, you turn 75, you pass away, your account is not in good standing or BMO closes your account, cancels your card, or withdraws your rights and privileges on your account. You must file a claim within 90 days of loss, except for Life.

For questions, to cancel your coverage or file a claim, please contact the insurer at 1-800-268-5962.

By selecting the box below, I acknowledge that I have been provided with, understood and accepted the information above (for QC residents, I have also been provided with the Product Summary, Fact Sheet and Notice of Rescission) and give consent and agree to enrol in BMO Credit Card Balance Protection Enhanced.

1Underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida, Group Master Policies 1020BPE and 1020BPEL. BMO receives a fee from the insurer with respect to premium collection.

I acknowledge that:

  • I agree with BMO’s privacy disclosure, and Assurant’s privacy statement set out in this application.
  • I consent and agree to enroll in the Optional BMO Credit Card Balance Protection Enhanced. I will be charged $1 per $100 of my monthly total balance (plus applicable taxes).

I agree to the above terms and conditions.

Optional creditor insurance is offered in partnership with, Assurant. To learn more about Assurant’s privacy policy, visit assurant.ca/privacy-policy.
For the coverages you are considering do you currently have insurance that is intended to cover this credit card?
Yes
No
Based on the information you provided, this optional insurance is considered not appropriate for you.

 

Job Loss Coverage Disclosure

You acknowledge that employment eligibility criteria at the time of job loss applies to the Job Loss coverage. Refer to "Job Loss Coverage" for more information

 

Job Loss Exclusion

You acknowledge this insurance does not cover Job Loss within 30 days of your insurance enrolment date.
 

BMO Credit Card Balance Protection Enhanced is an optional insurance coverage that can make it easier for you to manage the financial obligations related to your credit card following a covered event. This insurance is considered appropriate for you, based on the following acknowledgments that you have provided:

  • You do not have insurance that is intended to cover this credit card;
  • You are at least 20 years of age and under 70;
  • You are a resident of Canada;
  • You acknowledge that to be eligible for Job Loss coverage you must meet the employment eligibility criteria at the time of the Job Loss; and
  • You acknowledge that this insurance does not cover Job Loss within 30 days of your insurance enrolment date.

 

Please confirm acknowledgement to proceed

Up to 3,000 AIR MILES Bonus Miles

I acknowledge that:

  • I agree with BMO’s privacy disclosure, and Assurant’s privacy statement set out in this application.
  • I consent and agree to enroll in the Optional BMO Credit Card Balance Protection Enhanced. I will be charged $1 per $100 of my monthly total balance (plus applicable taxes).

Complete Application

Your application is about to time out

Cancel Application

Are you sure you wish to cancel this application?

Save and exit application

Please provide your email address, date of birth and password, so you can  finish your application later.

The password must have at least six characters and at least one number, one capital letter and one lowercase letter, no special characters, and must not be a sequence of keyboard letters or numbers.

Your email address will also be used to contact you during the application process. We will also add your email address to your contact information once your credit card is open and will be used in accordance with our BMO Privacy Code. You can also update your email preferences at any time by visiting the Subscription Centre.

Your application will be saved for the next 30 days unless the offer expires before that date. We will send you a reminder email in about 14 days, which will contain secure link to your application. You will need to provide your password and email address in order to continue. If you do not agree to this communication, you can cancel your application.

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