Highlights
- Eligible Canadian dining, travel, grocery, drugstore, and gas spending that Visa codes correctly can earn up to 5 BMO Rewards points per $1.
- You receive a $200 Anniversary Lifestyle Credit each year, plus Visa Airport Companion membership and 6 complimentary lounge visits a year.
- The current welcome offer is up to 200,000 BMO Rewards points, plus a first-year NEXUS statement credit of up to $200.
- Coverage includes 22-day out-of-province/country emergency medical (3 days if you are 65 or over), trip cancellation/interruption, flight delay, baggage, rental-car, and mobile-device insurance.
Issuer: BMO
Network: Visa Infinite Privilege
Card type: Credit card
Annual fee: $599 for the primary card; $99 per additional card
Foreign transaction fee: 2.50%
Rewards come as BMO Rewards, and the redemption value changes by channel.
Related reading: 🇨🇦 BMO Rewards Points: How to Earn and Use Them
Welcome offer
[August 29, 2026 update] Up to 200,000 BMO Rewards points (apply by October 31, 2026):
- Complete at least $6,000 in eligible net purchases within the first 110 days: 80,000 BMO Rewards points.
- Complete at least $30,000 in eligible net purchases within the first 180 days: another 40,000 BMO Rewards points.
- Complete at least $75,000 in eligible net purchases within the first 365 days: another 80,000 BMO Rewards points.
- In the first year, a NEXUS application fee charged and posted to the primary card while the account is in good standing can receive one statement credit of up to $200. NEXUS approval is not required.
The offer does not apply to current or former cardholders who reopen an account during the offer period, or to existing BMO credit-card holders who switch into this card. Eligible net purchases exclude refunds, cash advances, cash-like transactions, interest, fees, and account adjustments. Points can take up to eight weeks to post after each condition, and the account must stay open and in good standing when they are issued. If you cancel within 365 days of opening, bonus points already earned may be cancelled.
Apply through the referral link 🔗
Everyday spending
5x: Spending in Canada that the Visa network codes correctly as dining earns 5 BMO Rewards points per $1. The first $25,000 in eligible spend each calendar year (January 1–December 31) qualifies; after that, this category earns only 1x.
5x: Spending in Canada that the Visa network codes correctly as travel airfare, hotels, and rental cars earns 5 BMO Rewards points per $1. The first $25,000 in eligible spend each year qualifies; after that, it earns only 1x.
5x: Spending in Canada that the Visa network codes correctly as grocery earns 5 BMO Rewards points per $1. The first $20,000 in eligible spend each year qualifies; after that, it earns only 1x.
5x: Spending in Canada that the Visa network codes correctly as gas earns 5 BMO Rewards points per $1. The first $15,000 in eligible spend each year qualifies; after that, it earns only 1x.
5x: Spending in Canada that the Visa network codes correctly as drugstore earns 5 BMO Rewards points per $1. The first $15,000 in eligible spend each year qualifies; after that, it earns only 1x.
1x: Other eligible purchases earn 1 BMO Rewards point per $1. Transfers, financial-institution cash withdrawals, quasi-cash/foreign currency, gambling, tax payments, and other categories listed in the terms do not earn accelerated points. Visa’s MCC decides the actual category.
After you add additional cards, BMO’s current terms list a 25% points-earning bonus on the existing accelerated spend for both the primary card and additional cards. This is an introductory feature, and BMO can end it after notice.
Benefits and insurance
- $200 Anniversary Lifestyle Credit
Complete one purchase of at least $200 in each account anniversary period to receive one $200 statement credit. The first anniversary period runs from the account-opening date to the first annual-fee renewal date. The credit posts within two billing cycles after the annual fee renews, and the account must be open and in good standing. You can receive it once per anniversary period. Switching away and back, or cancelling and reapplying, does not let you receive it twice in the same anniversary period.
- Visa Airport Companion lounge membership
The primary card and each additional card must be registered separately in the Visa Airport Companion app or website. Each registered cardholder gets 6 complimentary lounge visits per membership year, which they or a guest travelling with them can use. After those visits, each visit is US$32 per person (the amount can change). Membership and visits renew automatically on the registration anniversary. Participating lounges, hours, and usage limits follow DragonPass’s current information.
- Visa Infinite Privilege benefits
These include Priority Security Lane at select Canadian airports, parking and valet offers, Visa Infinite Luxury Hotel Collection, RSVP Rewards Diamond status, Dining Series, Wine Country, entertainment events, Troon Rewards Golf, and Concierge. Hotels, restaurants, wineries, events, and airport benefits all follow Visa’s enrolment, participating merchants, and then-current terms.
- Car rental discounts
Prepaid Avis rentals booked with this Card can be up to 30% off the base rate, and non-prepaid bookings at least 10% off. Budget is up to 35% prepaid and at least 10% non-prepaid. The discount applies only to the base rate and is subject to booking, location, and rental-company terms.
Travel insurance
Official insurance certificate 🔗
- Out-of-Province/Country Emergency Medical Insurance
Canadian residents covered by a Canadian government health plan for the entire trip, with an account in good standing, can receive sudden, unforeseeable emergency medical coverage after leaving their home province or territory. If you are under 65 on the departure date, coverage is up to $5,000,000 per person per trip for the first 22 consecutive days. If you are 65 or over, the first 3 days are covered. The trip does not have to be charged to this Card. Pre-existing or unstable conditions and other medical limits can affect coverage. Contact the Operations Centre before treatment when you can.
- Trip Cancellation / Trip Interruption / Trip Delay
When you book, all or part of the trip cost including taxes must be charged to this Card, and the account must be in good standing. Cancellation for a covered reason listed in the certificate can reimburse non-refundable, non-transferable prepaid trip costs up to $2,500 per person per trip and $5,000 combined for all insured people. Interruption or delay after departure is up to $5,000 per person per trip and $25,000 combined. Accommodation and meals for a delayed return caused by a covered reason are up to $200 a day for up to 10 days per trip.
- Car Rental – Collision/Loss Damage Insurance
A Canadian-resident primary cardholder must sign a non-renewable agreement with a commercial rental company, charge the full rental including taxes to this Card, and decline the rental company’s CDW/LDW. You can rent only one vehicle at a time, for no more than 48 consecutive days. Coverage can include theft or damage to a rental with an MSRP of no more than $85,000, valid towing, and loss-of-use. It does not provide third-party liability, property-damage, or personal-injury liability coverage.
- Common Carrier Insurance
Canadian residents who charge the full common-carrier fare including taxes to this Card can receive up to $500,000 per person if they are accidentally injured while boarding, riding on, or leaving a licensed aircraft, bus, taxi, train, cruise, or similar common carrier, and the injury causes death or a specified loss of limb, sight, hearing, or speech listed in the certificate. Claim documents must show the fare was paid in full with this Card.
- Flight delay, baggage, and hotel burglary insurance
An eligible scheduled commercial flight delayed more than 4 hours can reimburse qualifying expenses up to $1,000 combined for all insured people per trip. If an airline or other common carrier delays baggage more than 4 hours, or the baggage is lost, stolen, or damaged, loss/theft/damage is up to $1,000 per person and $2,500 combined (maximum $500 per item). Outbound delayed baggage can be used to buy essentials within 36 hours of arriving at the destination, up to $500 per person and $1,000 combined; this does not apply on the return. If you charge the full travel-accommodation cost to this Card, personal property lost, stolen, or damaged in a burglary at the accommodation is covered up to $2,500 combined per occurrence. Keep the police and property burglary reports.
Purchase insurance
- Purchase Security Insurance
Canadian residents who charge the full purchase price of a personal item or gift to this Card, with an account in good standing, have worldwide coverage for theft or damage for the first 120 days from the purchase date. The insurer may repair, replace, or reimburse the purchase price. Purchase security and extended warranty share a lifetime maximum of $60,000 per account. Cash, tickets, animals and plants, consumables or perishables, online purchases not delivered and accepted, jewellery/furs in baggage not in your personal care, and items left behind are not covered.
- Extended Warranty Insurance
The payment rules are the same as purchase security, and the original manufacturer’s warranty must be valid in Canada. Coverage triples the original warranty, up to two extra years, and pays the lower of repair or replacement cost for items the original warranty covers. If the original warranty is longer than five years, you must register within one year of purchase. This benefit shares the $60,000 lifetime account maximum with purchase security.
- Mobile Device Insurance
Canadian residents who charge the full purchase price of a phone, smartphone, or tablet to this Card, or finance it through a fixed-term Canadian wireless contract and keep charging the monthly wireless bills to this Card, can have worldwide coverage for loss, theft, or accidental damage. Coverage for a device paid in full starts on day 121 and lasts up to two years. Coverage for a financed device starts with the first related transaction and lasts up to two years. Each claim is limited to $1,000, with at most one claim per account every 12 months and two claims every 48 months. Payment deducts 2% depreciation for each completed month and a 10% deductible. Repair or replacement must be approved first. Business, resale, used, or refurbished devices, accessories, batteries, and laptops are not covered.
