Grocery stores

Get an introductory interest rate of 2.99% with a 0% balance transfer fee for the first 6 months (22.99% thereafter; $49 annual fee).

• Get 2% cash back on groceries, food delivery and food subscription services, and drugstore purchases
• Get 2% cash back on gas, electric vehicle charging, and public transit such as bus, taxi, and rideshare trips
• Get 2% cash back on eligible recurring bill payments such as utilities and the gym
• Get 2% cash back on eligible subscriptions such as video streaming services or music streaming
• Get 1% cash back on all other eligible purchases, with no cash back limit
• New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery^¹.
• New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)^¹.

Welcome offer: Get up to $650 in value including $40 cash back each month in your first year. Plus we’ll waive the $120 annual fee in the first year.
Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*

• Earn more cash back on the categories that mean the most:
  • 5% on groceries*
  • 4% on transit including ride sharing, taxis and public transportation*
  • 3% on gas and electric vehicle charging*
  • 2% on recurring bill payments like your monthly phone bill or favourite streaming service*
  • Unlimited 1% cash back on all other purchases*.
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
• Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
• Complimentary Roadside Assistance Program*
• Extended Warranty Plus*
• Purchase Protection Plus*
• BMO CashBack World Elite Travel and Medical Protection*
• Shop, eat and relax with our partners to receive offers when you travel and make purchases with your BMO World Elite Mastercard outside Canada.

This product is not available for Quebec residents.

Welcome offer:

• Earn 20% cashback† for your first 3 months on up to $500 spend on eligible gas, groceries, drugstore purchases and pre-authorized payments.

Earn:

• 4% cash back on eligible restaurant, bar and coffee shop purchases up to $5,000 spend per year^†.
• 1.5% cash back on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year^†.
• 0.5% cash back on all other credit card purchases with no limit on how much you can earn^†.

Other features:

• Purchase Security and Extended Protection Insurance.^† Protect your purchases with double the manufacturer’s warranty, up to one additional year.
• Get cash back when you send a Global Money Transfer and pay with your Visa* Card.^†
• Send money abroad for no fee with your Simplii Visa using Simplii Global Money Transfer.
• No annual fee

Welcome offer: Get up to $1,800 in value, including 40,000 VIPorter points and a 35% off flight voucher†. Plus, the annual fee is waived in the first year†.

• Earn 2 points for every $1 spent on Porter purchases
• Earn 1 point for every $1 spent on gas and transportation
• Earn 1 point for every $1 spent on groceries and dining
• Earn 1 point for every $1 spent on hotel accommodations
• Earn 0.5 points for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Passport)
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No expiration of VIPorter points.
• Earn $1 of Qualifying Spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 8-day out-of-province or country emergency medical insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary insurance

Purchasing insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Get even more benefits: You may qualify for the BMO VIPorter World Mastercard tier of this card – which has the same fees and rates, but also includes experiences available only to World Mastercard cardholders.*

Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend, and pay no annual fee in your first year.*

• Earn 3 points for every $1 spent on Porter purchases*
• Earn 2 points for every $1 spent on gas and transportation
• Earn 2 points for every $1 spent on groceries and dining
• Earn 2 points for every $1 spent on hotel accommodations
• Earn 1 point for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Venture)
• One round-trip companion pass per year†
• 1 complimentary checked bag*
• 1 complimentary carry-on bag on all Porter fare types*
• Free PorterClassic seat selection*
• Priority security*
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No expiration of VIPorter points.
• Earn $1 of qualifying spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 21-day out-of-province or country emergency medical insurance
• Trip Cancellation/Interruption/Delay insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary insurance

Purchasing insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
• Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
• Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.

Earn up to 25,000 bonus points:

• Earn 20,000 points when you spend $1,500 in purchases within the first three months, a value of $133*
• Plus, earn up to 5,000 bonus points every year:
  • 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points*
  • 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months*
• Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout*
• Then get 1 point for every $2 spent on everything else!*
• Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Get a 0.99% introductory interest rate on Balance Transfers for 9 months (2% fee applies to balance amounts transferred*)
• Mobile Device Insurance that covers you for up to $1,000*
• Pay with Points by browsing your recent transactions and redeem your Points for as little as $1*
• Receive a discount on car rentals*
• Purchase Protection*
• Extended Warranty*

• No annual fee
• Get a $20 Tim Hortons digital gift card after your first purchase*
• Earn 15 points for every dollar you spend at Tim Hortons by presenting your Tims Rewards card
• Earn 5 points for every dollar spent on groceries, gas, electric vehicle charging, public transit, cabs and carpooling services
• Earn 0.5 points for every dollar spent on all other purchases
• Up to one year extended warranty
• Full integration into the Tim Hortons app
• Annual interest rate for purchases: 20.99% to 26.99% (20.99% to 24.99% for residents of Quebec)
• Annual interest rate for cash advances: 22.99% to 27.99% (22.99% to 24.99% for residents of Quebec)

• No annual fee
• Get a $20 Tim Hortons digital gift card after your first purchase*
• No credit history is required
• Earn 12 points for every dollar spent at Tim Hortons
• Earn 2 points for every dollar spent on groceries, gas, electric vehicle charging and public transit
• Earn 0.25 points for every dollar spent on all other purchases
• Up to one year extended warranty
• Full integration into the Tim Hortons app
• Earn Tims Rewards^™ points wherever you shop*
• Annual interest rate for purchases: 20.99% to 26.99% (20.99% to 24.99% for residents of Quebec)
• Annual interest rate for cash advances: 22.99% to 27.99% (22.99% to 24.99% for residents of Quebec)

• Up to 2% cash back on groceries, gas, electric vehicle charging and recurring payments. And 0.5% everywhere else
• Earn additional cash back at over 10,000 Neo network partners
• No annual fee
• Secured option to build credit history

• Up to 5% cashback on groceries, 4% on recurring payments, 3% on gas, electric vehicle charging, and 1% everywhere else
• Mastercard World Elite travel benefits including collision coverage for car rentals, comprehensive travel insurance and a subscription to DragonPass
• Instant credit limit up to $30,000
• Earn additional cash back at over 10,000 Neo network partners
• Annual fee of $125
• Secured option to build credit history

• During your first 3 months of membership with the SimplyCash^® Card from American Express, you can earn a bonus of 5% cash back on all your purchases (up to $2,000 in purchases). This offer is in addition to your everyday cash back rates. That's up to $100 in bonus cash back.
• Earn 2% cash back on eligible purchases at Canadian gas stations, 2% cash back on eligible purchases at Canadian grocery stores (up to $300 cash back per year), and 1.25% cash back on all other eligible purchases.
• Access events and special offers curated for Cardmembers with Amex Experiences^TM
• Insurance coverage and 24/7 Customer Service

Apply with confidence!

• See if you’ll be approved before you apply – with no impact to your credit score.*
• When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
• Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
• A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
• Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.