• Get a $50 annual lifestyle credit to spend however you want
• Earn 10% more points when you add an authorized user to your account
• Mobile Insurance - $1,000
• Out-of-province/country emergency medical insurance
• Car rental collision and loss damage insurance

BMO Rewards points:

• Earn 5x the BMO Rewards points on groceries, dining in and out, gas and transit*
• Get 1 BMO Reward for every $1 spent on everything else*
• Get a $50 annual lifestyle credit to spend however you want*
• Earn 10% more points when you add an authorized user to your account*

Standard Annual Interest Rates of:

• 20.99% on Purchases
• 23.99% on Cash Advances (21.99% for Quebec residents)
• 23.99% on Balance Transfer

• Personal Income: $60,000
• Household Income: $100,000
• Credit Score: Good (660+)
• Canadian Resident
• Provincial Age of Majority

• Trip Cancellation - $2,500
• Complimentary membership in Mastercard Airport LoungeKey Experiences
• Trip Interruption - $2,000
• Travel Accident - $500,000
• 15% discount on North American AIR MILES flights

AIRMILES Rewards:

• 1 Mile for every $10 spent on all purchases

Standard Annual Interest Rates of:

• 19.99% on Purchases
• 22.99% on Cash Advance
• 22.99% on Balance Transfer

• Personal Income: $80,000
• Household Income: $150,000
• Credit Score: Excellent (740+)
• Canadian Resident
• Provincial Age of Majority

• Trip Cancellation - $2,500
• Complimentary membership in Mastercard Airport LoungeKey Experiences
• Trip Interruption - $2,000
• Accident - $500,000
• Emergency Medical - 21 days

BMO Rewards points:

• 3  points for every $1 spent on travel, dining, and entertainment (up to $50,000 annually combined)
• 2 points for every $1 spent

Standard Annual Interest Rates of:

• 19.99% on Purchases
• 22.99% on Cash Advannce
• 22.99% on Balance Transfer

• Personal Income: $80,000
• Household Income: $150,000
• Credit Score: Excellent (740+)
• Canadian Resident
• Provincial Age of Majority

• Trip Interruption - $2,000
• Travel Accident - $500,000
• Extended Warranty - 2 years
• Complimentary Lounge Key Mastercard Airport Experiences membership
• Complimentary roadside assistance

AIRMILES Rewards:

• 1.5% cash back on all purchases, no caps or category limits

Standard Annual Interest Rates of:

• 19.99% on Purchases
• 22.99% on Cash Advance

• Personal Income: $80,000
• Household Income: $150,000
• Credit Score: Excellent (740+)
• Canadian Resident
• Provincial Age of Majority

• Up to 25% off at National Car Rental and Alamo Rent A Car locations
• Purchase Protection - 90 days
• Extended Warranty - 1 year

BMO Cash Back Rewards:

• 3% cash back on groceries
• 1% cash back on recurring bill payments
• 0.5% cash back on all other purchases

Promotional Rates:

• 1.99% Balance Transfer promo for 9 months
• 1% fee on amount transferred

Standard Annual Interest Rates of:

• 19.99% on Purchases
• 22.99% on Cash Advance
• 22.99% on Balance Transfer

• Personal Income: $15,000
• Credit Score: Good (660+)
• Canadian Resident
• Provincial Age of Majority