BMO
No annual fee, earn up to 5% cash back or 20,000 points welcome offer. 0.99% intro rate on balance transfers for 9 months. Great for rewards seekers.
BMO’s no annual fee credit cards deliver a compelling blend of $0 annual cost and valuable perks. Choose between two main options: the BMO CashBack Mastercard or the BMO eclipse rise Visa. Both cards offer attractive welcome bonuses for new cardholders.
Enjoy up to 5% cash back in the first 3 months on the CashBack Mastercard, or 20,000 points as a welcome offer with the eclipse rise Visa. The standard interest rate is 21.99% for purchases, while cash advances are generally at 23.99%. Both cards offer a 0.99% promotional interest rate on balance transfers for the first 9 months, with a 2% transfer fee.
応募方法：ステップバイステップ
To apply for a BMO no fee credit card, first gather your personal and financial info. Next, visit the BMO application portal and select your preferred card. Complete the required application fields and submit your request online. Then, await a quick decision, often provided instantly or within a day.
トッププロ
The key advantages include zero annual fees and valuable rewards like cash back or points. Flexibility in redeeming rewards—whether for cash, travel, or merchandise—makes these cards suitable for diverse needs. Moreover, the intro balance transfer rate of 0.99% is among the best.
考慮すべきデメリット
Although the cards come with strong benefits, high post-offer interest rates (21.99% for purchases) mean carrying a balance can be costly. The 2% balance transfer fee, though competitive, still means initial costs for transfers from other cards.
評決
BMO’s no fee credit cards are ideal for anyone looking for everyday convenience, rewards, and budget-friendliness. For those seeking zero annual costs without sacrificing earning potential, these are top choices in Canada.
