Get this card

BMO Rewards® Mastercard

BMO Rewards® Mastercard

Apply Now
Network Provider
Mastercard
Provider
BMO Bank of Montreal
Types
Rewards
Balance Transfer
Annual fee
$0
Purchase interest rate
20.99%
Cash advance rate
22.99% 21.99% for Quebec residents
Balance transfer rate
0.99% 22.99% after 9 months
Credit Needed
Good (650-749)

Card description

Welcome Offer: Get 10,000 points when you spend $1,000 in the first 3 months.*

  • Get a 0.99% introductory interest rate on balance transfers for 9 months*.   2% fee applies to balance amounts transferred*
  • Get 1 BMO Rewards point for every $1 spent*
  • Earn faster with additional cardholders
  • Get up to 25% off car rentals at National®#† Car Rental and Alamo®*‡ Rent A Car locations worldwide*
  • Extended Warranty*
  • Purchase Protection*

BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.

*Terms and conditions apply

Card Features

  • Extended Warranty
  • Purchase Protection
  • Rental Car Discounts
Apply Now

BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.

*Terms and conditions apply

1a) Subject to these Terms and Conditions, each balance transfer amount is eligible for a promotional interest rate of 0.99% provided that each balance transfer is posted to your BMO CashBack Mastercard account/BMO AIR MILES Mastercard account or BMO Rewards Mastercard account (the "Account") in the first 9 (nine) statement periods from the Account open date (“Promotional Period”) , and your Account remains in good standing. Offer is available to new customers only upon Account approval for applications submitted on or after September 2, 2022. Balances from other BMO credit card accounts are not eligible to be transferred. The promotional rate will no longer apply to your Account if you transfer into a card other than the BMO CashBack Mastercard or BMO Rewards Mastercard. Balance transfers apply to Canadian dollar amounts only.

b) Balance transfers do not qualify to earn loyalty rewards such as CashBack Rewards or BMO Rewards Points. Balance transfers are treated as cash advances and the promotional interest rate applies from the date the transactions are posted to your Account until the last day of the Promotional Period. After the Promotional Period expires, any remaining balance transfer amounts will be charged interest at the standard annual interest rate for cash advances. The promotional interest rate of 0.99% does not apply to purchases, fees, cash advances and other charges posted to your Account during the Promotional Period. Standard interest rates will continue to apply to those transactions. Please refer to your monthly statement for the interest rate applicable to your Account.

c) Each balance transfer is subject to a fee of 2% which will be charged to your account on the date the balance transfer is posted to your Account. For example, if an amount of $1,000 is transferred to your Account, you will be charged a fee of $20. You may request a balance transfer for as low as $100, as long as the transfer amount plus the fee, does not exceed the unused portion of the credit limit on your Account.

High praise for LowestRates.ca

January 24
Excellent and efficient
Excellent and efficient, friendly service.
Lola
January 24
choice!!!!!
choice!!!!!
chrischristoff
January 22
There service is great
There service is great, I have no complaints. 👌
HeronBeckford
January 21
Preparedness on behalf of contact team
Preparedness on behalf of contact team
TerryPetznick
January 20
Great customer service!
Great customer service!
Ron Zeraldo
January 17
Very prompt service and friendly staff
Very prompt service and friendly staff
Roberta Boswell-Gobay
January 13
Extremely quick and helpful response
Extremely quick and helpful response
KrisEggleton
January 12
Simple to use website.
Simple to use website. Range of prices for different companies . Very quick foll...
Roy Bucciol
January 11
Representative was very professional…
Representative was very professional and answered all my questions.
tek
January 6
Very professional and have patience…
Very professional and have patience answering my questions
ReynaldoBautista
January 5
timely response straitforward discussion.
timely response. straitforward discussion.
garnetmoore
December 31
Professional knowledgeable staff
Very quick response to my application. Professional knowledgeable staff. Smoot...
Jamie Hotrum
December 22
Barrett was extremely helpful and…
Barrett was extremely helpful and patient! I just moved back to Ontario and he h...
Leiah Otten
December 20
Great customer service.
Great customer service.
Narendra Naraine
December 15
Sara was very helpful but we could not…
Sara was very helpful but we could not find a match. Sara is very much a people ...
John Ross