BMO
Earn up to 200,000 points, get up to $2,300 in value, no annual fee the first year on select cards. Enjoy 0% balance transfer rates and travel rewards.
Overview of the BMO Rewards Credit Card Offers
BMO offers a diverse selection of rewards credit cards such as the BMO eclipse rise Visa, BMO eclipse Visa Infinite, and BMO Ascend World Elite Mastercard. Applicants can enjoy welcome offers like up to 200,000 points, 0% balance transfer rates for 12 months, and waived annual fees in the first year for select cards. Most cards feature 21.99% purchase interest rates and 23.99% for cash advances. Income requirements vary depending on the card, with higher-tier cards demanding $80,000+ annual income. These cards are geared for users who want to maximize everyday returns and travel benefits.
Jak złożyć wniosek krok po kroku
- Choose your desired BMO Rewards credit card based on benefits and your income qualification.
- Gather your personal, employment, and financial information for the application.
- Visit the official BMO credit card application page online.
- Complete the online application form carefully, ensuring accuracy.
- Submit your application and await approval. You may be contacted for further verification.
Key Pros of BMO Rewards Cards
BMO Rewards cards come with lucrative welcome bonuses—up to 200,000 points or a $2,300 value for the top-tier cards. Users can also benefit from 0% interest introductory balance transfer rates and annual fee waivers in the first year, which are valuable for both new and frequent cardholders. These cards are packed with flexible redemption options—points can be used for travel, merchandise, or investments.
A Couple of Cons to Consider
Although the welcome offers are attractive, the typical purchase rate of 21.99% can be steep if you carry a balance. Higher-end cards require a significant annual income or spending level ($80,000–$150,000 or more), limiting eligibility for some applicants. After the first year, the annual fees for premium cards, particularly the Privilege card, can be substantial.
Nasz ostateczny werdykt
BMO’s suite of rewards credit cards are standouts for Canadians seeking value, flexibility, and strong travel perks—especially with timely promotions and waived first-year fees. However, potential applicants should weigh ongoing rates and eligibility requirements to find the best fit. Overall, BMO Rewards cards are a compelling option for boosting your everyday spending power.
