In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points ($300 value) in a year.

Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada.

Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases.

$10 per month of credit card membership ($120 annually).

A total of $540 in value in your first year.

Welcome Offer: Get 35,000 points ($250 value) + the $150 annual fee waived in the first year.

Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus four annual complimentary passes ($140 value/year).

Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases.

Get 2 points for every $1 spent everywhere else.

You could get a 0% promotional annual interest rate (“AIR”)† for 10 months on balance transfers✪ completed within 90 days of account opening, with a fee of 3% of the amount advanced (minimum fee of $7.50.

Low interest rate of 12.99% after promotional period ends.

No annual fee.