Terms & Conditions


1a. The 10,000 BMO Rewards welcome bonus points offer is limited to new BMO Rewards Mastercard accounts. Applications must be received between March 2, 2021 and December 6, 2022 (“Offer Period”) to be eligible for this offer. Receive 10,000 BMO Rewards points when you spend a minimum of $1,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months from the account open date. 10,000 BMO Rewards points will be credited to your Collector Account within three (3) business days following the qualifying $1,000 spend. This offer is not available to current or former BMO Rewards Mastercard cardholders who reinstate a closed account or open a new account. If a cardholder cancels their account within ninety (90) days from the account open date the welcome bonus will be cancelled. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. Offer may be changed without notice.

Pay with points: Pay with Points is one of the redemption options available to BMO Rewards cardholders. Cardholders can visit bmorewards.com to redeem their points to cover transactions made in the last 30 days by the primary cardholder. The cardholder is required to have enough points for $1 minimum redemption. Redemptions can be made for the full amount of the transaction or only a portion. Pay with Points won’t be available for transactions posted to the account for more than 30 days. Transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services. To redeem points, log into your BMO Rewards Account through bmorewards.com. Points will be redeemed up to the full amount of your Eligible Purchase or the cash value of your points, whichever is less. Only the Primary Cardholder is authorized to log into the BMO Rewards Account and redeem points. Point redemptions are reflected as soon as the next business day in your BMO Rewards Account and, on a monthly basis, as credits on your monthly statement.
Note: Point redemptions do not count towards your monthly minimum payment. You are responsible for paying the minimum amount which appears on your monthly account statement.

  1. BMO World Elite Mastercard applications must be received between March 2, 2021 and December 6, 2022 (the “Offer Period”) to be eligible for this offer. 25,000 BMO Rewards points will be applied to your BMO Rewards Collector Account after you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. 25,000 BMO Rewards welcome bonus points will be credited to your Collector Account within three (3) business days following the qualifying $3,000 spend. Receive an additional 5,000 BMO Rewards points anniversary bonus twelve (12) months after the Credit Card account open date if your account is in good standing at the time you qualify for the anniversary bonus. The primary cardholder annual fee of $150 will be rebated in the first year and will appear as a fee and a credit on the primary cardholders first statement. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. Offer does not apply to the Additional Card annual fee. This offer is not available to current or former BMO World Elite Mastercard cardholders who reinstate a closed account or open a new account during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.

    Pay with points: Pay with Points is one of the redemption options available to BMO Rewards cardholders. Cardholders can visit bmorewards.com to redeem their points to cover transactions made in the last 30 days by the primary cardholder. The cardholder is required to have enough points for $1 minimum redemption. Redemptions can be made for the full amount of the transaction or only a portion. Pay with Points won’t be available for transactions posted to the account for more than 30 days. Transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services. To redeem points, log into your BMO Rewards Account through bmorewards.com. Points will be redeemed up to the full amount of your Eligible Purchase or the cash value of your points, whichever is less. Only the Primary Cardholder is authorized to log into the BMO Rewards Account and redeem points. Point redemptions are reflected as soon as the next business day in your BMO Rewards Account and, on a monthly basis, as credits on your monthly statement.
    Note: Point redemptions do not count towards your monthly minimum payment. You are responsible for paying the minimum amount which appears on your monthly account statement.

    • A. Offer is cumulative over the statement period. Award of CashBack rewards is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the CashBack Rewards Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of CashBack rewards will be rounded down to the nearest cent. *Conditions: CashBack World Mastercard: With the BMO CashBack World Mastercard card, you will only earn CashBack rewards on your account up to a maximum monthly spend of $7,000.

    • B. Offer is cumulative over the statement period. Award of CashBack rewards is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the CashBack Rewards Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of CashBack rewards will be rounded down to the nearest cent.

    • C. Earn 3% cash back on Grocery Store purchases up to a maximum of $500 spent per statement cycle period. The 3% cash back includes the base earn rate of 0.5% cash back for card purchases (“Base Rewards”) and the bonus of 2.5% cash back for Grocery Store Purchases (“Bonus Rewards”). To earn Bonus Rewards, your Grocery Store Purchase must be made at merchants classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411). BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will BMO be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. To consult the list of participating merchants, please call the number on the back of your card.

    • D. Earn 1% cash back on Recurring Bill Payments up to a maximum of $500 spent per statement cycle period. The 1% cash back includes the base earn rate of 0.5% cash back for card purchases (“Base Rewards”) and the bonus of 0.5% cash back for Recurring Bill Payments (“Bonus Rewards”). Recurring bill payments are defined as payments made on a monthly or regular basis, and which are automatically billed by the merchant to your BMO CashBack Mastercard. Not all merchants offer recurring payments, and not all ongoing payments will be considered “recurring bill payments” and therefore may not earn Bonus Rewards. Please check with your merchant to see if your recurring payment qualifies.

    • E. Receive 0.5% unlimited cash back on non-grocery and non-recurring bill payment purchases, and on grocery purchases and recurring bill payment purchases that exceed the $500 maximum spend per statement period.

  2. BMO Rewards redemptions are subject to fees and charges. For details, please see the fees, charges, and pricing policy in the BMO Rewards Terms and Conditions as well as the Important Information about BMO Mastercard cards enclosure.
  3. BMO Rewards points will not expire as long as the BMO World Elite Mastercard card or BMO Rewards Mastercard account (each hereafter referred to in this paragraph as the "Account") remains open and in good standing, except as described in the section of the BMO Rewards Terms & Conditions, which deals with the program termination. On cancellation of the Account, a cardholder will have 90 days in which to do either of the following: (i) redeem the points earned for one or more rewards; or (ii) reinstate the points by either reinstating the Account or opening a new Account and linking the points account that was attached to the cancelled Account to the new Account. After the ninety day period, unless the points are reinstated, any points that remain in the points account will expire. For details, please refer to the BMO Rewards Terms and Conditions for further details.
  4. Not applicable.
  5. 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, and you notified us by telephone within 24 hours after you learned of the loss, theft or misuse of your card or cheques, or after you suspected that someone else knows your PIN . If you don't meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use. If you reside in Quebec, your liability for any fraudulent or other unauthorized use of your card will be limited to $50 during the period that you did not notify us of the fraudulent or other unauthorized use unless you committed a gross fault as regards the safeguard and protection of your card and PIN. You will be considered to have committed a gross fault (and we will claim all charges incurred in connection with the fraudulent or other unauthorized use from you) if:
    • you contributed to the fraudulent or other unauthorized use
    • the fraudulent or other unauthorized use consists of a chip and PIN transaction
    • you learned (or ought to have learned, upon receipt of your statement or otherwise) of the loss, theft or misuse of your card or you suspected that someone else knows your PIN and you did not notify us in a timely manner
  6. Not applicable.
  7. Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions and Mastercard cheques. For current rates and fees, visit your branch; or, for Mastercard products call the Customer Contact Centre at 1-800-263-2263, for the BMO eclipse Visa Infinite* Card call 1-833-256-7136, for the BMO eclipse Visa Infinite Privilege* Card call 1-833-265-7137. To review current rates and fees for the BMO Prepaid Mastercard, visit bmo.com/rates-fees-prepaid, for all other credit cards visit bmo.com/rates-fees.
  8. A. You will earn 3 BMO Rewards points for every $1 in eligible travel, dining and entertainment purchases, up to $50,000 annually (January to December statement cycle period). The 3 BMO Rewards points includes the base earn rate of 2 BMO Rewards points for every $1 in card purchases (“Base Rewards”) and the bonus of 1 BMO Rewards point for every $1 in eligible travel, dining and entertainment purchases (“Bonus Rewards”). To earn Bonus Rewards, your purchases must be made at merchants that are classified in the Mastercard network as: airlines, car rental agencies, hotels/resorts, cruise lines, passenger railways, tour operators, timeshares, travel agencies and tour operators, dining: eating places, restaurants, drinking places, fast food restaurants and entertainment including motion picture theatres, theatrical producers, ticket agencies, bands, orchestras and miscellaneous entertainers, tourist attractions and exhibits, amusement parks, carnivals, circuses, aquariums, dolphinariums, zoos and seaquariums (“Applicable Merchants”). If you exceed $50,000 in combined annual purchases, you will continue to earn the Base Rewards. Some merchants may sell the same or similar products/services as the Applicable Merchants or are separate merchants who are located on the premises of the Applicable Merchants, but are classified by Mastercard in another manner (“Other Merchants”). You will only earn Base Rewards for purchases made at Other Merchants.

    B. Subject to the BMO Rewards Terms and Conditions, BMO Rewards points are calculated based on purchases of goods or services charged to the BMO World Elite Mastercard or the BMO Rewards Mastercard account, less any refunds or adjustments, rounded down to the nearest whole point. Cash advances (including purchases of foreign currency or travellers cheques), interest charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to the account with the card, do not qualify for points. Bank of Montreal may establish other qualifying and non-qualifying transactions from time to time.
    • A. BMO World Elite Mastercard cardholders will earn 2 bonus BMO Rewards points at participating National Car Rental and Alamo Rent-A-Car locations. BMO Rewards points are awarded per transaction in any monthly billing period.
    • B. BMO Rewards Mastercard cardholders will earn 2x BMO Rewards points at participating National Car Rental and Alamo Rent-A-Car locations. BMO Rewards points are awarded per transaction in any monthly billing period.
  9. Important details are contained in the booklet that will follow under separate cover with your BMO Mastercard. Insurance benefits provided by Chubb Insurance Company of Canada.
    • A. BMO AIR MILES World Mastercard cardholders receive 2x the Miles for every $15 spent. Miles are awarded per transaction at participating National Car Rental and Alamo Rent-A-Car locations in any monthly billing period. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.
    • B. BMO AIR MILES World Elite Mastercard cardholders receive 2x the Miles for every $10 spent. Miles are awarded per transaction at participating National Car Rental and Alamo Rent-A-Car locations in any monthly billing period. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.
  10. Exclusive 15% Flight Discount: Fly on any AIR MILES flight within North America for 15% fewer Miles when you book through airmiles.ca or by calling 1-888-247-6453. For example, you could redeem a 1,300 Miles flight for only 1,105 Miles.* *If you have the BMO AIR MILES World Elite Mastercard, when you redeem Miles for a flight in North America you will receive a 15% discount from the number of Miles you would ordinarily require. North America includes flight travel within Canada, from Canada to the United States of America, including Hawaii and Alaska, excluding Puerto Rico and flight travel within the United States, and flight travel to and from Mexico. This benefit does not apply to Cash + Miles Rewards. For flight redemptions: There are no blackout periods. This benefit does not apply to the cash portion of the flight redemption (such as airport improvement fees and booking fees) or to the flight component of package vacations and cruises. The mileages quoted are for low season, round-trip travel on economy flights under the regular AIR MILES flight offer. This benefit cannot be combined with any other offer. To redeem for Travel Rewards, you must have accumulated sufficient AIR MILES Miles in your Dream Balance. Collectors must pay applicable surcharges, fees and taxes on air travel Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888-AIR-MILES (in Toronto (416) 226-5171).
  11. Offer is cumulative over the statement period. Reward miles will be earned on purchases made at participating Shell locations in Canada (including, Beaver, Turbo and Payless) to a maximum of $2,500 in any monthly billing period. The number of reward miles will be rounded down to the nearest whole number. Fractions of reward miles will not be awarded.
  12. Earn Miles twice when you use your BMO AIR MILES Mastercard and show your AIR MILES Card at AIR MILES Partners. The amount of Miles you earn depends on the earn rate offered by the AIR MILES Partner and the earn rate offered on your BMO AIR MILES credit card.
    • A. Offer is cumulative over the statement period. Award of Miles is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. *Conditions: AIR MILES World Mastercard: With the BMO AIR MILES World Mastercard card, you will only earn Miles on your account up to a maximum monthly spend of $7,000.
    • B. Offer is cumulative over the statement period. Award of Miles is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.
    • C. BMO AIR MILES Mastercard cardholders will earn 3 AIR MILES Reward Miles for every $25 in purchases at participating AIR MILES Partners. Participating AIR MILES Partners may be added or removed at any time without notice, visit airmiles.ca/3xMiles for Partner details. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). The “3x the Miles” benefit is available on eligible purchases and may be withdrawn or changed at any time without notice. The “3x the Miles” benefit is applicable to the following BMO Credit Card products with no annual fee: BMO AIR MILES Mastercard, BMO IGA AIR MILES Mastercard, BMO Sobeys AIR MILES Mastercard, BMO Shell AIR MILES Mastercard, BMO Affinity AIR MILES Mastercard cards & Student BMO AIR MILES Mastercard. This benefit does not apply to any BMO AIR MILES Mastercard not named in the above list.
  13. BMO AIR MILES Mastercard cardholders receive 1.5x the Miles for every $20 spent. Miles are awarded per transaction at participating National Car Rental and Alamo Rent-A-Car locations in any monthly billing period. Offer is cumulative over the statement period. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.
  14. Bonus Cashback rewards are awarded per transaction at participating National Car Rental and Alamo Rent-A-Car locations in any monthly billing period. Offer is cumulative over the statement period. The number of CashBack rewards will be rounded down to the nearest cent.
  15. With the BMO CashBack World Mastercard and BMO CashBack World Elite Mastercard, you will receive a free membership in the Dominion Automobile Association (DAA) and the benefits of their BMO Roadside Assistance Program (Basic Coverage). Membership terms and the features of the plan are described in the Certificate you will receive. DAA requires that BMO provide any information reasonably required solely for the purpose of confirming that you are covered by the Program.
  16. You will earn bonus CashBack rewards for purchases made at participating Shell locations in Canada to a monthly maximum of $2,500 in Shell purchases in any monthly billing period. CashBack rewards will be rounded down to the nearest cent.
  17. One year is the twelve-month period between annual fee-billing dates. If you qualify for the rebate, a credit equal to the annual fee will appear on the same statement in which your annual fee is billed.
  18. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO World Mastercard Travel Protection Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch) except Common Carrier Accidental Death and Dismemberment Insurance provided by Chubb Insurance Company of Canada.
  19. Subject to credit availability and verification of identity. Cash advance fees will apply.
  20. All rewards are subject to the terms and conditions of the AIR MILES Reward Program and are subject to change and may be withdrawn without notice. Some restrictions apply. Quantities may be limited. Flights are based on the AIR MILES Reward Program Low Season schedule. Required number of reward miles is determined by the departure date. All reward miles quoted are for round-trip travel. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air travel Rewards. Travel Rewards may be subject to a minimum 2-day advance booking and availability from participating Suppliers. Additional flight options may be offered requiring additional reward miles. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888-247-6453 (in Toronto 416-226-5171).
  21. The contract ID number (3717122 for National Car Rental and 7014883 for Alamo Rent A Car) must be included when making a car rental reservation to receive discounts. Discount applies to base rate only at participating National Car Rental and Alamo Rent A Car locations. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges (including GST), license and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge and optional items (such as LDW up to US $30 per day) are extra. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice.
    • A. Mastercard Airport Experiences provided by LoungeKey (“MCAE”) is a worldwide program run by LoungeKey Ltd. This benefit will be available to all cardholders of a BMO World Elite Mastercard (“eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at airport.mastercard.com or on the MCAE mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating MCAE lounge must present their valid, eligible BMO World Elite Mastercard or their mobile access code (this may be obtained by the eligible cardholder by registering an account at airport.mastercard.com or through the MCAE mobile application) to the lounge receptionist and reference “Mastercard Airport Experiences provided by LoungeKey.” Value and benefits of the MCAE complimentary membership are subject to change without notice. Use the four complimentary passes for yourself as the primary cardholder or to cover the cost of the lounge visit of your travelling companion. To identify the primary cardholder on your account, please check the name on your monthly statement. After using four passes, you can continue to enjoy lounge access for a fee of just US$32 per person, per visit.
    • B. Mastercard Airport Experiences provided by LoungeKey (“MCAE”) is a worldwide program run by LoungeKey Ltd. This benefit will be available to all cardholders of a BMO AIR MILES World Mastercard, BMO Cashback World Mastercard, BMO AIR MILES World Elite Mastercard or BMO Cashback World Elite Mastercard (all “eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at airport.mastercard.com or on the MCAE mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating MCAE lounge must present their valid, eligible BMO Mastercard or their mobile access code (this may be obtained by the eligible cardholder by registering an account at airport.mastercard.com or through the MCAE mobile application) to the lounge receptionist and mentioning “Mastercard Airport Experiences provided by LoungeKey.” Some offers may be subject to a per-person, per-visit charge. Where applicable and dependent upon the offer, access charges, including those for an accompanying guest, may be charged to your credit card. Value and benefits of the MCAE complimentary membership are subject to change without notice. Enjoy lounge access for a fee of just US$32 per person, per visit.
    • C. Mastercard Airport Experiences provided by LoungeKey (“MCAE”) is a worldwide program run by LoungeKey Ltd. This benefit will be available to all cardholders of a BMO AIR MILES World Mastercard, BMO Cashback World Mastercard or BMO Cashback World Elite Mastercard (all “eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at airport.mastercard.com or on the MCAE mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating MCAE lounge must present their valid, eligible BMO Mastercard or their mobile access code (this may be obtained by the eligible cardholder by registering an account at airport.mastercard.com or through the MCAE mobile application) to the lounge receptionist and mentioning “Mastercard Airport Experiences provided by LoungeKey.” Some offers may be subject to a per-person, per-visit charge. Where applicable and dependent upon the offer, access charges, including those for an accompanying guest, may be charged to your credit card. Value and benefits of the MCAE complimentary membership are subject to change without notice. Enjoy lounge access for a fee of just US$32 per person, per visit.
  22. All flight options shown are estimates only. Actual number of BMO Rewards points required varies based on the retail price of the ticket available at the time of booking.
  23. Not applicable.
  24. You can transfer funds from your BMO bank account to your BMO Prepaid Travel Mastercard immediately through BMO Telephone, Online and Mobile Banking. Making a bill payment to your BMO Prepaid Travel Mastercard at a BMO ATM from your BMO bank account may take up to two (2) days to process. Other financial institutions that currently allow bill payments to your BMO Prepaid Travel Mastercard include: RBC Royal Bank, Scotiabank, CIBC, PC Financial, HSBC and Laurentian Bank, ATB (Alberta Treasury Board) and TelPay. Please check directly with your financial institution to find out if you can load funds to your BMO Prepaid Travel Mastercard. If your financial institution does not support bill payments to your BMO Prepaid Travel Mastercard, visit a BMO branch to open a deposit account. The minimum amount you can load into the account is CDN$100. The maximum amount you can load into the account is CDN$10,000. The maximum credit balance on the account, including any additional cards, is CDN$10,000.
  25. Please refer to your BMO Mastercard or BMO Prepaid Travel Mastercard Cardholder Agreement for more information.
  26. Please contact the service team directly to set up automatic monthly payments from your BMO Chequing Account.
  27. Membership terms and the features of the plan are described in the certificate that you will receive. Dominion Automobile Association requires BMO to provide any information reasonably required for the sole purpose of confirming that you are covered by the Program.
  28. This service is GST applicable (registration # 10039-0095) for clients residing in MB, SK, BC, AB, NU, YT, & NT. This service is GST (registration # 10039-0095) and QST (registration # 1000042494) applicable for customers residing in Quebec. This service is HST applicable for clients residing in PEI, ON, NB, NS, & NL.
  29. Mastercard contactless is available on most personal BMO credit cards. Mastercard contactless is not available at this time on BMO Affinity Mastercard cards, BMO Prepaid Travel Mastercard cards, BMO Mastercard for Business cards and BMO Harris Private Banking Mastercard cards. For more information, call the Customer Contact Centre at 1-800-263-2263.
  30. All benefits described herein are subject to EXCLUSIONS AND LIMITATIONS. Benefits are reduced to Life insurance only at the age of 70. Please refer to your Certificate of Insurance for details of your coverage.
  31. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO AIR MILES World Elite Travel and Medical Protection Certificate of Insurance, which is sent to new cardholders. Out-of-Province/Out-of-Country Emergency Medical benefits are available to cardholders under the age of 65. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  32. Subject to terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  33. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance, which is sent to new cardholders. Out-of-Province/Out-of-Country Emergency Medical benefits are available to cardholders under the age of 65. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  34. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Common Carrier Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Chubb Insurance Company of Canada.
  35. Subject to terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  36. BMO Credit Card Balance Protection Enhanced is underwritten by American Bankers Insurance Company of Florida (ABIC) and American Bankers Life Assurance Company of Florida (ABLAC) under group master policy numbers 1020BPE and 1020BPEL. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Please refer to the Certificate of Insurance for further details on terms and conditions.
  37. Subject to terms and conditions, including additional limitations and exclusions, contained in the Certificate of Insurance, which is sent upon enrollment. Please refer to the Certificate for further details. BMO Mastercard insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  38. Earn 3% CashBack for card purchases made at participating National Car Rental & Alamo Rent A Car locations worldwide, on a per-transaction basis. The number of CashBack rewards will be rounded down to the nearest whole number. Fractions of CashBack rewards will not be awarded.
  39. Mastercard contactless is available on most personal BMO credit cards. Mastercard contactless is not available on BMO Prepaid Travel Mastercard cards and select affinity credit cards. For more information, call the Customer Contact Centre at 1-800-263-2263.
  40. Redeem AIR MILES reward miles in the Cash balance of your Collector Account in-store in increments of ninety-five (95) reward miles for $10 off your purchases at participating AIR MILES Sponsor locations to a maximum of $750 per day and online at airmiles.ca/cash in increments of ninety-five (95) reward miles for every $10 value from participating AIR MILES eVoucher Partners to a maximum of $750 per day. eVouchers can be used at participating eVoucher Partners' locations in Canada only. See specific eVoucher reward page for details and any restrictions. Visit airmiles.ca/cash to learn more. You must have accumulated sufficient reward miles in the Cash balance of your Collector Account to redeem reward miles towards in-store purchases and eVouchers. All rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.
  41. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO World Elite Total Travel and Medical Protection Certificate of Insurance, which is sent to new cardholders. Out-of-Province/Out-of-Country Emergency Medical benefits are available to cardholders under the age of 65. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch) except Common Carrier Accidental Death and Dismemberment Insurance provided by Chubb Insurance Company of Canada.
  42. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO World Elite 31 Day Medical Protection Certificate of Insurance, which is sent to new cardholders. Out-of-Province/Out-of-Country Emergency Medical benefits are available to cardholders under the age of 75. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  43. As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 15% off admission to Cirque du Soleil shows touring Canada. 15% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Valid on available seats. Sales are final, no refunds or exchanges. May not be combined with any other offer or promotion. Not valid on previous purchased tickets. While quantities last.
  44. As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 20% off on resident shows in Las Vegas. 20% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Offer valid for selected performances and seating. Subjected to availability. Cannot be combined with any other offer discount. Offer is not valid for previously purchased tickets. Tickets subject to applicable Live Entertainment Tax, service fees, and delivery fees. Sales are final, no refunds or exchanges.
  45. Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details.
  46. One-time cash back redemption amounts must be equal or greater than $1 and will be deposited 2 - 5 business days following the date the deposit is requested. Automatic recurring cash back redemption amounts must be equal or greater than $25 and will be deposited 2 - 5 business days following the customer’s statement cycle date when an existing cash back balance is equal of greater than $25. Bank deposits require accurate account details.
  47. BMO eclipse Visa Infinite Privilege applications must be received between October 19, 2020 and December 6, 2022 (the “Offer Period”) to be eligible for this offer. 35,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $5,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. 35,000 BMO Rewards welcome bonus points will be credited to your Collector Account within three (3) business days following the qualifying $5,000 spend. Receive an additional 15,000 BMO Rewards points anniversary bonus twelve (12) months after the Credit Card account open date if your account is in good standing at the time you qualify for the anniversary bonus. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.
  48. The accelerated earn rate is 5 BMO Rewards points (as applicable) per $1 charged to the Account for purchases made in Canada at merchant locations classified as travel, grocery, dining, drugstore and gas. Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “air fare”, “hotel”, “car rental”, “grocery”, “dining”, “drugstore” or “gas” category. The accelerated earn rate applies to the first $100,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, which can be calculated from January 1st to December 31st each year. Once the cardholder exceeds this threshold, the cardholder will continue earning points at the regular earn rate of 1 point per $1 in purchases. BMO Rewards points will not be posted to an Account that is not in good standing when the purchases are made or when a statement is issued, or to an Account that is not open when the statement is issued.
  49. As an introductory feature, primary cardholders that add a supplementary card to their account will receive a 25% bonus earn rate to their existing card accelerator. This benefit will be available for transactions made both by the primary customer and its authorized user(s). The benefit will be present in the account until BMO communicates to the primary cardholder that the benefit will be discontinued. Refer to the following eligibility criteria for supplementary cardholders: Authorized User is at least 13 years of age; Primary account must be activated before authorized user is added; Authorized User must have a Canadian address where they can receive correspondence if required; Authorized User is not being requested in the name of the primary cardholder; Authorized User is not already on the account; Account has less than 9 Authorized Users; Authorized User being added is not in a Business Name. This offer is subject to change.
  50. Customers will be eligible to receive a $200 statement credit each year (annual period starts on January 1st of every year). The Account will be credited within two statement cycles after making a purchase that is equal to or greater than the total amount of the statement credit on the Account, provided the Account is open and in good standing at the time of payout. Statement credit is awarded at the account level once per year which means it may appear on either the primary or supplementary cardholder’s statement. This offer is subject to change.
  51. The earn rate for purchases at merchants not classified as air fare, hotel, car rental, gas, grocery, drugstore, or dining is 1 BMO Rewards point (as applicable) per $1 charged to the Account. For the accelerated earn rate, transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.
  52. Both primary and secondary cardholders must enroll for this benefit separately, through the Visa Infinite Privilege website or through the Visa Infinite Privilege Concierge, and must have a valid Visa Infinite Privilege card linked to their Priority Pass membership at all times. Six lounge visits are complimentary per membership year for the enrolled cardholder to use for themselves or for their guests. Membership includes access to any airport lounge participating in Priority Pass’ lounge access program – membership value of $99 USD. To access a lounge, cardholder must show a valid Priority Pass membership card. All additional visits beyond the complimentary visits are subject to a fee of $32 USD per person per visit. Applicable lounge access charges will be billed to the Visa Infinite Privilege card connected to cardholder’s Priority Pass membership. Priority Pass membership will be cancelled if your Visa Infinite Privilege card is cancelled, or is no longer linked to your Priority Pass membership. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. To view a full list of participating airport lounges, their facilities, opening times and restrictions cardholders can visit www.prioritypass.com. Enrolled cardholders are subject to Priority Pass’ Terms and Conditions and the individual lounge operators'; terms of use for the participating lounges visited, available at www.prioritypass.com. Priority Pass’ Terms and Conditions will be sent to cardholder upon enrolment. The Airport Lounge Access services are provided by Priority Pass and neither Visa nor the Issuer is responsible for any claims or damages arising from use of the Airport Lounge services. Visa reserves the right to modify or cancel this offer at any time and without notice.
  53. You must be an eligible Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege Airport Benefits & Services. Visa Infinite Privilege Airport offer is subject to availability. Discounts and benefits are non-transferable. Discounts cannot be combined with any other offer or discount. Benefits and services only apply to select Canadian airports. Visa reserves the right to modify or cancel this offer at any time and without notice. For more information please visit www.visainfinite.ca/privilege.
  54. For full program terms and conditions please visit www.visaluxuryhotelcollection.com. When you book through the Visa Infinite Luxury Hotel Collection you will automatically enjoy the following seven exclusive benefits: Best Available Rate Guarantee, automatic room upgrade upon arrival when available, 3PM check-out when available, complimentary continental breakfast, free in-room internet, $25 food or beverage voucher, VIP Guest Status.
  55. The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Privilege Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Privilege Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Privilege Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite Privilege card.
  56. Offers are available to Visa Infinite and Visa Infinite Privilege cardholders only. Limit of 6 tickets per cardholder, and tickets are subject to availability. Go to visainfinite.ca for tickets, which may be refunded, at the cardholder’s request, up to 4 days before the event date. Cancellations made less than 4 days prior to the event date are non-refundable. Events may be modified or cancelled, by Visa, in whole or in part at any time, for any reason, without prior notice or liability to any person. Advertised chefs and sommeliers may change without notice. Seating requests and special dietary restrictions and allergies will be considered when requested at booking, but cannot always be accommodated. Please drink responsibly. Venues are not conducive to young children.
  57. Eligible Visa Infinite and Visa Infinite Privilege cardholders must be legal drinking age to participate in this benefit. Reservations are mandatory for the wineries that are flagged by a star [*] on visainfinite.ca/privilege. Please contact the winery directly for reservations, hours of operation, blackout dates and other details. Tours, tastings, selection of merchandise, including wine, may be subject to availability. Eligible Visa Infinite and Visa Infinite Privilege must be presented at winery and used for any program-related purchases. Wine experiences may be modified or cancelled, by Visa or wineries, in whole or in part at any time, for any reason, without prior notice or liability to any person. Please drink responsibly. Venues are not conducive to young children.
  58. You must be an eligible Canadian Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege Troon® Golf Benefit. The Visa Infinite Privilege Troon Golf Benefit may be cancelled if your Visa Infinite Privilege card is cancelled. By reserving through Troon, the cardholder consents to be bound by all the terms and conditions, as stated herein through the Visa Infinite Privilege Troon Golf Benefit, as well as the Troon Rewards® Terms and Conditions and the Troon Privacy Policy. Troon, Visa and its Issuers, or any of its Concierge providers, are not responsible for any claims or damages arising from this offer. Troon and Visa reserve the right to modify or cancel this benefit at any time without notice.
  59. Pay with Points is one of the redemption options available to BMO Rewards cardholders. Cardholders can visit bmorewards.com to redeem their points to cover transactions made in the last 30 days by the primary cardholder. The cardholder is required to have enough points for $1 minimum redemption. Redemptions can be made for the full amount of the transaction or only a portion. Pay with Points won’t be available for transactions posted to the account for more than 30 days. Transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.
  60. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the BMO eclipse Visa Infinite Privilege* Card Certificates of Insurance booklet that is sent to new cardholders. Out-of-Province/Country Emergency Medical Insurance provides coverage for the first 22 consecutive days of each trip for cardholders under the age of 65, or for the first 3 consecutive days of each trip for cardholders age 65 or older. All Insurance coverages are provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  61. BMO eclipse Visa Infinite applications must be received between October 19, 2020 and December 6, 2022 (the “Offer Period”) to be eligible for this offer. 25,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. 25,000 BMO Rewards welcome bonus points will be credited to your Collector Account within three (3) business days following the qualifying $3,000 spend. Receive an additional 15,000 BMO Rewards points anniversary bonus twelve (12) months after the Credit Card account open date if your account is in good standing at the time you qualify for the anniversary bonus. The primary cardholder annual fee of $120 will be rebated in the first year and will appear as a fee and a credit on the primary cardholders first statement. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. Offer does not apply to the Additional Card annual fee. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.
  62. The accelerated earn rate is 5 BMO Rewards points (as applicable) per $1 charged to the Account for purchases made in Canada at merchant locations classified as gas, grocery, transit, and dining. Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery”, “dining”, or “transit” category. The accelerated earn rate applies to the first $50,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, which can be calculated from January 1st to December 31st each year. Once the combined cardholder spend exceeds this threshold, they will continue earning points at the regular earn rate of 1 point per $1 in purchases. BMO Rewards points will be posted to the primary cardholder’s account, provided the Account is open and in good standing when the purchases are made and when the statement is issued.
  63. As an introductory feature, primary cardholders that add a supplementary card to their account will receive a 10% bonus earn rate to their existing card accelerator. This benefit will be available for transactions made both by the primary cardholder and its authorized user(s). Refer to the following eligibility criteria for supplementary cardholders: Authorized User is at least 13 years of age; primary account must be activated before Authorized User is added; Authorized User must have a Canadian address where they can receive correspondence if required; Authorized User is not being requested in the name of the primary cardholder; Authorized User is not already on the account; account has less than 9 Authorized Users; Authorized User being added is not in a Business Name. This offer is subject to change.
  64. Customers will be eligible to receive a $50 statement credit each year (annual period starts on January 1st of every year). The Account will be credited within two statement cycles after making a purchase that is equal to or greater than the total amount of the statement credit on the Account, provided the Account is open and in good standing at the time of payout. Statement credit is awarded at the account level once per year, meaning it may appear on either the primary or supplementary cardholder’s statement. This offer is subject to change.
  65. The earn rate for purchases at merchants not classified as gas, grocery, transit, or dining is 1 BMO Rewards point (as applicable) per $1 charged to the Account. For the accelerated earn rate, transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.
  66. The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite card.
  67. You must be an eligible Canadian Visa Infinite cardholder with a valid Visa Infinite card to take advantage of the Visa Infinite Troon Golf Benefit. The Visa Infinite Troon Golf Benefit may be cancelled if your Visa Infinite card is cancelled. By reserving through Troon, the cardholder consents to be bound by all the terms and conditions, as stated herein through the Visa Infinite Troon Golf Benefit, as well as the Troon Rewards® Terms and Conditions and the Troon Privacy Policy. Troon, Visa and its Issuers, or any of its Concierge providers, are not responsible for any claims or damages arising from this offer. Troon and Visa reserve the right to modify or cancel this benefit at any time without notice.
  68. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the BMO eclipse Visa Infinite* Card Certificates of Insurance booklet that is sent to new cardholders. Out-of-Province/Country Emergency Medical Insurance provides coverage for the first 15 consecutive days of each trip for cardholders under the age of 65. All insurance coverages are provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  69. 3x the Miles: BMO AIR MILES World Elite Mastercard cardholders will get 3 AIR MILES Reward Miles for every $12 in purchases at participating AIR MILES Partners. Participating AIR MILES Partners may be added or removed at any time without notice, visit airmiles.ca/BMOpartners for Partner details. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Miles awarded will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). The “3x the Miles” benefit is available on eligible purchases and may be withdrawn or changed at any time without notice.
  70. Earn 5% cash back on the first $500 you spend on grocery purchases per statement cycle period and 1% unlimited cash back thereafter. The 5% cash back includes the base earn rate of 1% cash back for card purchases (“Base Rewards”) and the bonus of 4% cash back for grocery purchases (“Bonus Rewards”). To earn Bonus Rewards, grocery purchases must be made at merchants classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411). In no event will BMO (“Bank of Montreal”) be liable or responsible for any claims with respect to a grocery purchase made to a merchant that is not classified by MCC 5411.
  71. Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of May 1, 2021.
  72. Earn 4% cash back on the first $300 you spend on ground transportation purchases per statement cycle period and 1% unlimited cash back thereafter. The 4% cash back includes the base earn rate of 1% cash back for card purchases (“Base Rewards”) and the bonus of 3% cash back for ground transportation purchases (“Bonus Rewards”). To earn Bonus Rewards, ground transportation purchases must be made through merchants classified by Mastercard's "Merchant Category Code" as "Transportation – Suburban and Local Commuter Passenger including Ferries" (MCC 4111), “Passenger Railways” (MCC 4112), “Taxicabs and Limousines” (MCC 4121), “Bus Lines” (MCC 4131) or “Transportation Services not elsewhere classified” (MCC 4789). In no event will BMO(“Bank of Montreal”) be liable or responsible for any claims with respect to a ground transportation purchase made to a merchant that is not classified by MCC 4111, MCC 4112, MCC 4121, MCC 4131 or MCC 4789.
  73. Earn 3% cash back on the first $300 you spend on automobile and vehicle fuel purchases per statement cycle period and 1% unlimited cash back thereafter. The 3% cash back includes the base earn rate of 1% cash back for card purchases (“Base Rewards”) and the bonus of 2% cash back for automobile and vehicle fuel purchases (“Bonus Rewards”). To earn Bonus Rewards, automobile and vehicle fuel purchases must be made through merchants classified by Mastercard's "Merchant Category Code" as "Service Stations" (MCC 5541), “Automated Fuel Dispenser” (MCC 5542) or “Electric Vehicle Charging” (MCC 5552). In no event will BMO(“Bank of Montreal”) be liable or responsible for any claims with respect to an automobile and vehicle fuel purchase made at a merchant that is not classified by MCC 5541, MCC 5542 or MCC 5552.
  74. Earn 2% cash back on the first $500 you spend in recurring bill payments per statement cycle period and 1% unlimited cash back thereafter. The 2% cash back includes the base earn rate of 1% cash back for card purchases (“Base Rewards”) and the bonus of 1% cash back for recurring bill payments (“Bonus Rewards”). Recurring bill payments are defined as payments made on a monthly or regular basis, and which are automatically billed by the merchant to your BMO CashBack World Elite Mastercard. Not all merchants offer recurring payments, and not all ongoing payments will be considered “recurring bill payments” and therefore may not earn Bonus Rewards. Please check with your merchant to see if your recurring payment qualifies. You will not earn the 1% bonus cash back on Recurring Bill Payments that are also eligible grocery, transit or gas and electric vehicle charging purchases as classified by Mastercard’s “Merchant Category Code” and are subject to the bonus capping rules of eligible grocery, transit or gas and electric vehicle charging purchases.