BMO® Rewards® Mastercard®* Review
Welcome offer
Get 10,000 points when you spend $1,000 in the first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.
1 BMO Rewards pointFor every $1 spent and redeem them with our most flexible rewards program – merchandise, travel, pay with points and more.
Car rental discountUp to 25% off rentals at participating National Car Rental and Alamo Rent a Car location
BMO Rewards benefits- Redeem your BMO Rewards points using Pay with Points to cover eligible travel purchases like flights, hotels, car rentals, vacation packages, cruises and more.
- Treat yourself to something from their extensive catalogue, featuring hundreds of products and gift cards from top brands
- Save for the future by redeeming points for a contribution to a BMO savings or investment account
- Pay with Points. Let your points pick up the tab. Apply your points directly to eligible purchases
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
-
Balance protection(Optional)
No
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
No
-
Vehicle rental insurance
No
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Travel accident insurance
No
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Travel medical insurance
Yes
- Annual Fee: $0
- Additional Card Fee: $0
- Purchases Interest Rate: 20.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
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- Shop confidently with an extended warranty and purchase protection.
- Earn BMO Rewards points faster when you add an additional cardholder.
Security
- Zero Liability safeguards you if there is any monetary loss resulting from fraudulent card use.
- Mastercard Identity adds another layer of security to protect you when you shop online.
- BMO Alerts help confirm your transactions are really yours. They keep an eye on things like large purchases and suspicious activity.
Add ons
- BMO Roadside Assistance
- BMO Credit Card Balance Protection
BMO® Rewards® Mastercard®* is a no-fee, travel card that comes with an excellent offer for first-time buyers: 10.000 bonus air miles and a 0.99% introductory interest rate for the first 9 months. This card has a standard interest rate of 20.99%. If you're looking for a card that gives you discounts, rewards and insurance, then this is the right card for you.
With this card, you get 1 point for every $1 you spend on merchandise, donations, hotels, flights, investments and gift cards. Add to that the 10,000 bonus points and the 25% discount at both Alamo and National car rental agencies all across the globe and you've got a very good rewards card.
With BMO® Rewards® Mastercard®*, you can add unlimited cardholders with no extra fees. Additionally, you get purchase protection, travel accident insurance and extended warranty. An extra perk with this card is the 15% admission to all Cirque du Soleil tours in Canada and 20% in Las Vegas.
To stay safe, you can add features like credit alerts, roadside assistance and credit card balance protection.
Special Offer:
Life’s back in session. Enjoy it with an extra 10% back.*
Apply for a Tangerine Money-Back Credit Card by October 31, 2024 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
Always-On Offer:
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
No limit on the amount of Money-Back Rewards you can earn.
Change your 2% Money-Back Categories to suit your spending.
Balance transfer offer:
During your first 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months†.(with a 1% fee)
Earn 2% Money-Back Rewards on purchases in up to 3 categories of your choice with the Tangerine Money-Back Credit Card, and 0.50% Money-Back Rewards on all other purchases.
Tangerine Money-Back Features
- 2% Rewards in your chosen categories
- Get 0.50% money back on all other everyday purchases.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your everyday spending.
Optimizing your 2% Money-Back Categories to suit your everyday spending has never been easier. Choose your categories to earn the most money back.
Tangerine Money-Back Credit Card 2% Cash Back Categories:
- Grocery
- Furniture
- Restaurants
- Hotel-Motel
- Gas
- Recurring Bill Payments
- Drug Store
- Home Improvement
- Entertainment
- Public Transportation and Parking
Tangerine Money-Back Credit Card Fees:
- Annual: $0
- Balance transfer: 3% with $5 minimum
- Cash advance: $3.50 inside Canada, $5 outside Canada, plus 19.95% interest on overdue amounts
- Foreign transaction: 2.5% per transaction
- Missed or late payments: increased interest rates to 24.95% on all purchases
- Over limit: $25 (Tangerine does not allow you to go over your limit unless the transaction was pre-approved)
Tangerine Money-Back Credit Card Rewards Features
- Get 0.50% money back on all other everyday purchases.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your everyday spending.
Tangerine Money-Back Credit Card Insurance
- Purchase Assurance and Extended Warranty– For most new purchases made anywhere in the world using your Tangerine Money-Back Credit Card, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage:
- Purchase Assurance to automatically cover loss, theft or damage on most new insured items for 90 days from the date of purchase
- Extended Warranty which may double the period of repair services to a maximum of one year
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Mastercard® accepted worldwide at more than 24 million locations in over 210 countries
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•7.99% introductory interest rate on purchases for the first 6 months (20.99% after that)
• Cash back on everyday spending with no annual fee
• 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
• 0.5% cash back on all other eligible everyday purchases
Make everyday purchases quickly and safely with just a tap of your contactless-enabled Mastercard or device
Tangerine World Mastercard Review 2024
Special Offer:
Apply for a Tangerine World Mastercard® by October, 2024 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.
Always-On Offer:
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
No limit on the amount of Money-Back Rewards you can earn.
Change your 2% Money-Back Categories to suit your spending.
Author Bio
Mohamed Konate is a personal finance expert and blogger with years of experience in the Canadian financial industry. As a former financial services professional at major institutions, he developed a deep understanding of the financial challenges facing everyday Canadians. Passionate about helping others achieve financial success, Mohamed shares his insights and knowledge on this blog. He holds a Bachelor and a Master in Business Administration from universities in Quebec.
