BMO Preferred Rate Mastercard

Earn rates

No earn rates captured.

Welcome offer

Get a 0% introductory interest rate on Balance Transfers for 18 months

Bonus points

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Minimum spend

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Spend window

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Offer ends

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with a 2% transfer fee and we’ll waive the $29 annual fee for the first year.

Fees

Annual fee

$29

Additional card

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Foreign transaction fee

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Interest rates

Purchase APR

13.99%

Cash advance APR

15.99%

Balance transfer APR

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Grace period

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Rate effective date

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Benefits & insurance

Lounge access

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Insurance coverages

3

• Extended Warranty Insurance
• Purchase Security Insurance
• Credit Card Balance Protection

Redemption & eligibility

Reward currency

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Redemption options

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Transfer partners

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Min. personal income

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Min. household income

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You must meet minimum income requirements, be a Canadian citizen or permanent resident, and not have declared bankruptcy in the past seven years.