BMO Rewards MasterCard review

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Advertiser Disclosure

Interest Rate: Purchases
19.99
Balance Transfer
22.99 (1.99% for the first 9 months)
Rewards
1 - 2 points
Signup Bonus
10000 points (after spending $1,000)


Am I eligible?


BMO Rewards MasterCard is typically available to those with good 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
Yes Have a minimum personal income of $15000.

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.

Details


Interest Rates
Regular APR Interest Rate 19.99%
Balance Transfer Interest Rate 22.99% (1.99% for the first 9 months)
Cash Advance Interest Rate 22.99%
Rates & Fees
Annual Fee $35.00
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 10000 points after spending $1,000

- On purchases within the first 3 months.

- In addition, earn 10,000 miles after your first card purchase.

Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 2 points per $1 spent

On purchases made at National Car Rental and Alamo Rent A Car.

Pharmacy No
Bills No
Additional Details


Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount Yes
Extended Warranty No
Purchase Protection No
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
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 $15,000 per year


Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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