MastercardFX: 2.5%No Annual Fee
BMO
BMO Rewards Mastercard
BMO Rewards
First Year Bonus
~$200
Welcome Bonus
10,000 pts
Annual Fee
$0
Spend Required
$1,000 (3 mo)
Apply via rebate portal
Get notified when this offer goes elevated
We'll email you if BMO Rewards Mastercard runs a higher-than-normal welcome bonus.
Data verified Apr 1, 2026
Welcome bonus
Total: 10,000 pts
1
10,000 pts
Spend $1,000 in the first 3 months
Earn rates
3x
travel, dining & entertainment
1x
everywhere else
Points value: ~0.7¢/pt for travel
Lounge access
No lounge access
Additional perks
- ✓No annual fee
- ✓Redeem for travel, gift cards, or statement credits
Insurance coverage
Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkMastercard
Annual fee$0
Foreign fee2.5%
Income req.None stated
ProgramBMO Rewards
