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BMO® Rewards® Mastercard®*

BMO Rewards Mastercard

Welcome offer: Get up to 20,000 BMO Rewards welcome points.1a

Get 1 BMO Rewards point for every $1 spent!9B
  • $0
    annual fee8
  • 19.99%
    for purchases8
  • 22.99%
    for cash advances8

Get 1 BMO Rewards point for every $1 spent!9B

You’ll also get:

  • double your BMO Rewards points,10B and get up to 25% off your next car rental at National®*† Car Rental and Alamo®*‡ Rent A Car locations worldwide.25
  • BMO Rewards points faster when you add additional cardholders
  • purchase protection and extended warranty on most items bought with your card37

Here are some of the features that keep your card protected:

Other features you can add

Rewards calculator

How many BMO Rewards points can I earn in a year?

How much do you think you’ll spend per month on your card?
Use of the Rewards calculator is for illustrative purposes only. The calculation reflects 20% of monthly spend on eligible travel, dining and entertainment purchases and 80% of the spend on all other card purchases. Values displayed as of January 15, 2018.

Your results

0

total BMO Rewards points in your first year

that’s 1 point for every $1** in card purchases.

Get 10,000 welcome points after your first card purchase and an additional 10,000 points when you spend $1,000 in the first 3 months.
  • 1 night 4-star Hotel in Montreal

    1 night 4-star Hotel in Montreal

    20,000 BMO Rewards points
  • 1 night 4-star Hotel in Banff

    1 night 4-star Hotel in Banff

    25,000 BMO Rewards points
  • Toronto to Chicago

    Toronto to Chicago

    40,000 BMO Rewards points
  • Vancouver to San Francisco

    Vancouver to San Francisco

    45,000 BMO Rewards points
  • Montreal to New York

    Montreal to New York

    50,000 BMO Rewards points
  • 1 week convertible car rental

    1 week convertible car rental

    55,000 BMO Rewards points
  • Calgary to Miami

    Calgary to Miami

    58,000 BMO Rewards points
  • Vancouver to Chicago

    Vancouver to Chicago

    61,000 BMO Rewards points
  • Las Vegas  4 night Flight + Hotel

    Las Vegas 4 night Flight + Hotel

    65,000 BMO Rewards points
  • Toronto to London

    Toronto to London

    72,000 BMO Rewards points
  • Montreal to Paris

    Montreal to Paris

    81,000 BMO Rewards points
  • St. John's to Las Vegas

    St. John's to Las Vegas

    84,000 BMO Rewards points
  • 2 nights 4.5-star Hotel in South Beach

    2 nights 4.5-star Hotel in South Beach

    90,000 BMO Rewards points
  • Toronto to Barcelona

    Toronto to Barcelona

    92,000 BMO Rewards points
  • Montreal to Venice

    Montreal to Venice

    95,000 BMO Rewards points
  • 7 night Caribbean Cruise

    7 night Caribbean Cruise

    100,000 BMO Rewards points
  • Vancouver to Tokyo

    Vancouver to Tokyo

    100,000 BMO Rewards points
  • Halifax to Paris

    Halifax to Paris

    104,000 BMO Rewards points
  • Toronto to Istanbul

    Toronto to Istanbul

    112,000 BMO Rewards points
  • Calgary to Barcelona

    Calgary to Barcelona

    113,000 BMO Rewards points
  • Montreal to Rio de Janeiro

    Montreal to Rio de Janeiro

    118,000 BMO Rewards points
  • Vancouver to London

    Vancouver to London

    124,000 BMO Rewards points
  • Toronto to Dubai

    Toronto to Dubai

    132,000 BMO Rewards points
  • Vancouver to Rio de Janeiro

    Vancouver to Rio de Janeiro

    136,000 BMO Rewards points
  • St. John's to Paris

    St. John's to Paris

    140,000 BMO Rewards points
  • 10 night Mediterranean Cruise

    10 night Mediterranean Cruise

    150,000 BMO Rewards points
  • Halifax to Tokyo

    Halifax to Tokyo

    154,000 BMO Rewards points
  • Vancouver to Tibet

    Vancouver to Tibet

    159,000 BMO Rewards points
  • Toronto to Kuala Lumpur

    Toronto to Kuala Lumpur

    160,000 BMO Rewards points
  • Regina to Dubai

    Regina to Dubai

    162,000 BMO Rewards points
  • 7 nights - Mexico 5-star All Inclusive

    7 nights - Mexico 5-star All Inclusive

    170,000 BMO Rewards points
  • Regina to Mumbai

    Regina to Mumbai

    172,000 BMO Rewards points
  • Vancouver to Cape Town

    Vancouver to Cape Town

    190,000 BMO Rewards points
  • Toronto to Sydney

    Toronto to Sydney

    198,000 BMO Rewards points
  • Montreal to Sydney

    Montreal to Sydney

    198,000 BMO Rewards points
  • Vancouver to Cape Town

    Vancouver to Cape Town

    206,000 BMO Rewards points
  • St. John's to Cape Town

    St. John's to Cape Town

    214,000 BMO Rewards points
  • Montreal to Kuala Lumpur

    Montreal to Kuala Lumpur

    225,000 BMO Rewards points
  • St. John's to Sydney

    St. John's to Sydney

    245,000 BMO Rewards points
  • 7 nights - St. Lucia 5-star All Inclusive

    7 nights - St. Lucia 5-star All Inclusive

    250,000 BMO Rewards points
  • 2 week South Pacific Cruise

    2 week South Pacific Cruise

    260,000 BMO Rewards points
  • Montreal to Cape Town

    Montreal to Cape Town

    270,000 BMO Rewards points
  • Regina to Tibet

    Regina to Tibet

    307,000 BMO Rewards points
  • 1 year magazine subscription

    1 year magazine subscription

    6,500 BMO Rewards points
  • Fitness tracker

    Fitness tracker

    10,500 BMO Rewards points
  • 20 piece flatware set

    20 piece flatware set

    10,500 BMO Rewards points
  • Cheese board set

    Cheese board set

    10,000 BMO Rewards points
  • $50 gift card

    $50 gift card

    10,500 BMO Rewards points
  • Wireless Bluetooth audio system

    Wireless Bluetooth audio system

    13,000 BMO Rewards points
  • Digital kitchen scale

    Digital kitchen scale

    15,000 BMO Rewards points
  • Pearl fashion necklace

    Pearl fashion necklace

    15,500 BMO Rewards points
  • Indoor skydiving experience

    Indoor skydiving experience

    16,500 BMO Rewards points
  • Ladies fabric tote bag

    Ladies fabric tote bag

    18,000 BMO Rewards points
  • High performance multimedia speaker system

    High performance multimedia speaker system

    20,500 BMO Rewards points
  • Women's fragrance gift set

    Women's fragrance gift set

    21,500 BMO Rewards points
  • $100 gift card

    $100 gift card

    21,500 BMO Rewards points
  • Stoneware casserole dish

    Stoneware casserole dish

    23,500 BMO Rewards points
  • High performance in-ear headphones

    High performance in-ear headphones

    24,500 BMO Rewards points
  • Ladies weekender bag

    Ladies weekender bag

    26,500 BMO Rewards points
  • 8-cup food processor

    8-cup food processor

    28,000 BMO Rewards points
  • Men's designer sunglasses

    Men's designer sunglasses

    30,000 BMO Rewards points
  • Hard case spinner luggage

    Hard case spinner luggage

    32,000 BMO Rewards points
  • Waffle/omelette maker

    Waffle/omelette maker

    33,500 BMO Rewards points
  • Ionic ceramic hairdryer

    Ionic ceramic hairdryer

    34,500 BMO Rewards points
  • Compact drill/driver kit

    Compact drill/driver kit

    37,000 BMO Rewards points
  • Crystal wine glass set

    Crystal wine glass set

    39,000 BMO Rewards points
  • Wearable activity tracker

    Wearable activity tracker

    39,000 BMO Rewards points
  • Freshwater pearl earrings

    Freshwater pearl earrings

    44,000 BMO Rewards points
  • HD touchscreen e-reader

    HD touchscreen e-reader

    48,000 BMO Rewards points
  • High performance around-ear headphones

    High performance around-ear headphones

    52,000 BMO Rewards points
  • 3D 4K Smart Blu-ray player

    3D 4K Smart Blu-ray player

    52,500 BMO Rewards points
  • Panini press and skillet grill set

    Panini press and skillet grill set

    56,000 BMO Rewards points
  • Inn & Spa Getaway experience

    Inn & Spa Getaway experience

    59,000 BMO Rewards points
  • Portable Bluetooth speaker

    Portable Bluetooth speaker

    62,500 BMO Rewards points
  • Ladies designer watch

    Ladies designer watch

    65,000 BMO Rewards points
  • Noise cancelling headphones

    Noise cancelling headphones

    69,500 BMO Rewards points
  • Home coffee and espresso brewing system

    Home coffee and espresso brewing system

    70,000 BMO Rewards points
  • Stainless steel cookware set

    Stainless steel cookware set

    75,000 BMO Rewards points
  • Compact hard floor vacuum

    Compact hard floor vacuum

    78,000 BMO Rewards points
  • Designer leather tote bag

    Designer leather tote bag

    84,000 BMO Rewards points
  • Garment bag spinner luggage

    Garment bag spinner luggage

    86,500 BMO Rewards points
  • Self-programmable thermostat

    Self-programmable thermostat

    87,000 BMO Rewards points
  • 32-inch LED TV

    32-inch LED TV

    95,500 BMO Rewards points
  • Digital camera

    Digital camera

    99,500 BMO Rewards points
  • $500 gift card

    $500 gift card

    100,000 BMO Rewards points
  • Waterproof digital camera

    Waterproof digital camera

    104,500 BMO Rewards points
  • 3-piece hard side spinner luggage set

    3-piece hard side spinner luggage set

    113,500 BMO Rewards points
  • High velocity blender

    High velocity blender

    126,500 BMO Rewards points
  • Natural gas barbeque

    Natural gas barbeque

    129,500 BMO Rewards points
  • Professional grade blender

    Professional grade blender

    130,500 BMO Rewards points
  • 40 inch Smart HD TV

    40 inch Smart HD TV

    176,500 BMO Rewards points

BMO CashBack Mastercard

BMO AIR MILES World Elite Mastercard

BMO World Elite Mastercard

BMO AIR MILES Mastercard

BMO CashBack World Elite Mastercard

BMO Preferred Rate Mastercard

BMO Rewards Mastercard

BMO SPC CashBack Mastercard

BMO SPC AIR MILES Mastercard

BMO U.S. Dollar Mastercard

BMO Prepaid Travel Mastercard

BMO CashBack World Mastercard

BMO AIR MILES World Mastercard

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THIS CARD IS FOR YOU IF YOU WANT TO
Earn cash back and redeem the way you want2B
Earn AIR MILES at our highest rate and redeem Miles for travel, merchandise and more24
Earn BMO Rewards points at our highest rate and redeem points for travel, cash, gift cards merchandise and more24
Earn AIR MILES and redeem Miles for travel, merchandise and more24
Earn cash back at our highest rate and redeem the way you want2B
Save on interest charges with our lowest rate8.
Earn BMO Rewards points9B and redeem points for travel, cash, gift cards, merchandise and more
Earn cash back and redeem the way you want2B
Get SPC Discounts
Earn AIR MILES and redeem Miles for travel, merchandise and more24
Get SPC Discounts.
Shop in U.S. dollars. Avoid exchange rate surprises.
Have a secured payment card loaded with your money.
Earn cash back faster and redeem the way you want2B
Earn AIR MILES faster and redeem Miles for travel, merchandise and more24
ANNUAL FEE
No annual fee8
$1208
$1508
No annual fee8
$1208
$208
No annual fee8
No annual fee8
No annual fee8
U.S. $358
$6.958
$798
$998
WELCOME OFFER
Get up to 4% cash back on every credit card purchase in your first 4 months.‡‡
Up to 3,000 Bonus Miles and no annual fee in the first year
35,000 BMO Rewards welcome points and no annual fee in the first year1
Get 500 AIR MILES Bonus Miles, and 1.99% introductory interest rate on Balance Transfers for 9 months§
4% cash back on every purchase**
Get a 3.99% introductory interest rate on Balance Transfers for 9 months.
Up to 20,000 BMO Rewards welcome points1A
4% cash back on every purchase††
500 Bonus Miles†*
Plus Get double the Miles on every purchase at participating AIR MILES Partners16D
US$35 annual fee rebate after spending $1,000 in the previous year21
N/A
N/A
N/A
REWARD RATE
1% Cash Back2B
1 Mile for $1016B
  • 3 points for $1 on eligible travel, dining and entertainment9A, 9B
  • 2 points for $1 everywhere else9B
Then get 2x the Miles for every $20 spent at participating AIR MILES Partners16C
Get 1 Mile for every $20 spent everywhere else16B.
1.5% cash back2B
N/A
1 BMO Rewards point for $19B
1% Cash Back2B
1 Mile for $2016B
N/A
N/A
1.25% cash back2A
1 Mile for $1516A
BONUS REWARDS
N/A
Earn 2x Miles17 at National and Alamo Rent a Car25
Earn 2 Bonus points10A at National Car Rental and Alamo Rent a Car
N/A
N/A
Earn double points10B at National and Alamo Rent a Car
N/A
  • Earn 1.25x Miles at Shell14
  • Earn 1.5x Miles17 at National and Alamo Rent a Car25
N/A
N/A
Earn 3% cash back at Shell20
  • Earn 1.25x Miles at Shell14
  • Earn 2x Miles12A at National and Alamo Rent a Car
AIRPORT LOUNGE ACCESS
N/A
Priority Pass membership, plus two annual complimentary passes26B
Priority Pass membership, plus four annual complimentary passes26A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
INSURANCE
N/A
Comprehensive Travel and Medical Protection up to 15 days36
Total Travel and Medical Protection up to 21 days46
N/A
  • Comprehensive Travel and Medical Protection38 up to 8 days
  • Roadside Assistance19
N/A
N/A
N/A
N/A
N/A
N/A
  • Travel Protection22
  • Roadside Assistance19
  • Travel Protection22
  • Roadside Assistance19
RATES
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
11.9% for purchases8
11.9% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
No Interest Rate8
N/A for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
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