BMO® SPC® Air Miles® Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
19.99%
Balance Transfer
22.99%
Rewards
1 Mile
Signup Bonus
400 miles (after spending $1,000)


9.6/10
Informr score
The BMO® SPC® Air Miles® Mastercard® currently has an Informr score of 9.6 out of 10. This score is based on our evaluation of 2 sources including reviews from users and the web's most trusted critics.

Am I eligible?


BMO® SPC® Air Miles® Mastercard® is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada

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...


creditcardGenius

A no fee card that gives you reward miles and extra discounts at stores thanks to the free SPC membership it comes with.

- creditcardGenius
GreedyRates.ca

The BMO SPC MasterCard is the best option for Canadian students looking to build a credit history and earn the richest credit card rewards in the marketplace right now.

- GreedyRates Team, GreedyRates.ca

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%

Maximum

Cash Advance Fee $3.50

$5.00 fee charged at a financial institution/ATM outside Canada.

Foreign Transaction Fee 2.5%

Transactions made in a foreign currency will be converted and posted to your account in Canadian currency.

Over Limit Fee $29.00
Late Payment Fee $0.00
Promotions
Sign up bonus 400 miles after spending $1,000

- On purchases within the first 3 months.

- Get 400 Bonus Miles after your first credit card purchase.

- Save 3¢ per litre at Shell until October 31, 2019.

Rewards
All Purchases 1 mile for $20 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Get double the Miles on every purchase at participating AIR MILES Partners

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 Apple Pay
Additional Benefits

Exclusive SPC discounts from 10% to 15% at hundreds of your favourite stores.

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
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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.

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Critic Reviews


creditcardGenius

This card could be the right student credit card for you

creditcardGenius

A no fee card that gives you reward miles and extra discounts at stores thanks to the free SPC membership it comes with.

Read full review

A no fee card that gives you reward miles and extra discounts at stores thanks to the free SPC membership it comes with.

Read full review

Less

GreedyRates.ca

Best credit card option for students

GreedyRates.ca

The BMO SPC MasterCard is the best option for Canadian students looking to build a credit history and earn the richest credit card rewards in the marketplace right now.

Read full review

The BMO SPC MasterCard is the best option for Canadian students looking to build a credit history and earn the richest credit card rewards in the marketplace right now.

Read full review

Less

User Reviews


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