Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- creditcardGeniusWhen you are approved for this card you will be given a free SPC membership that gives you all those same discounts, and you will be rewarded with cash back rewards with every purchase you make – 1% cash back to be exact. Plus, as a welcome bonus, you can earn 4% cash back for the first 4 months you...
- GreedyRates Team, GreedyRates.caFor a credit card newcomer interested in utilizing rewards credit cards, there are few reasons not to add this excellent option to one’s wallet or purse.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 19.99% |
| Balance Transfer Interest Rate | 22.99% |
| Cash Advance Interest Rate | 22.99% |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee | 3% |
| Cash Advance Fee |
$3.50 $5.00 fee charged at a financial institution/ATM outside Canada. |
| Foreign Transaction Fee | 2.5% |
| Over Limit Fee | $29.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus |
Get up to 5% cash back on every credit card purchase in your first 3 months, up to a maximum of $2,000 ($100 cash back) in spendings. |
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
Exclusive SPC discounts from 10% to 15% at hundreds of your favourite stores. |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | No |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.
Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.
Use this card?
Help inform others by sharing your experience with BMO® SPC® CashBack® Mastercard®