BMO U.S. Dollar MasterCard®

Warning

This card is no longer offered by the provider.
Please click below to see the other rewards cards available.

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First year rewards (up to)

Gift card
Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
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Cash advance: 22.99%
Balance transfer: 22.99%
%
Purchase interest rate
Cash advance: 22.99%
Balance transfer: 22.99%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
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Insurance
Benefits
Miscellaneous insurance items for purchases on your credit card. Miscellaneous
  • Zero liability
  • Extended warranty
  • Purchase assurance

Card details

Network: MasterCard
Provider: Bank of Montreal
Card type:

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $35
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate: 19.99%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 22.99%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: 22.99%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: Any amount
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income: Any amount
  • Be a permanent Canadian resident
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)

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For a limited time, get a free $100 e-gift card when your application is approved.

Until December 31st, you could get a 0% promotional annual interest rate for 6 months on balance transfers.

First year annual fee waived + earn 10% cash back on everyday purchases for the first 3 months (up to $200).

First annual fee waived + earn up to 20,000 Aventura Points with your welcome offer (up to $400 in value towards your next flight).

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  • Conveniently pay for U.S. purchases in U.S. dollars - with no costly exchange rate surprises
  • Get free extended warranty and purchase protection: Items bought with your credit card are automatically insured against theft for 90 days. And you save the cost of buying extended warranty insurance - you're already covered.1
  • Enjoy free Zero Dollar Liability protection from both theft and fraudulent use of your credit card3
  • Get a rebate on our low annual fee ($35): If your annual BMO U.S. Dollar MasterCard purchases total US$1,000 or more, the annual fee for the next year will be rebated to your credit card2