Your rates at a glance
| Annual fee, footnote Asterisk* | Intro Purchase APR, footnote Asterisk* | Balance Transfer APR, footnote Asterisk* |
|---|---|---|
| $0 | 0% introductory APR on purchases for 15 months from account opening date. After that, a variable APR applies, currently 17.24% - 25.24%, based on your creditworthiness. | 0% introductory APR, footnote 1,1 on balance transfers for 15 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 17.24% - 25.24%, based on your creditworthiness. |
Annual fee, footnote Asterisk*
Intro Purchase APR, footnote Asterisk*
0% introductory APR on purchases for 15 months from account opening date. After that, a variable APR applies, currently 17.24% - 25.24%, based on your creditworthiness.
Balance Transfer APR
0% introductory APR, footnote 1,1 on balance transfers for 15 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 17.24% - 25.24%, based on your creditworthiness.
footnote Asterisk*Access the Summary of Credit Terms to learn more about rates and fees.
Additional features
Enjoy access to unique experiences across the globe with Priceless® Cities, exclusive for Mastercard cardholders.
Pay with your smartphone using Apple Pay®, Google PaytrademarkTM and Samsung PaytrademarkTM.
Stay on top of your credit card account with BMO Card Monitor.
BMO PaySmart Trademark Installment Plans
Manage your credit card
Make the most of your credit card by taking advantage of special features and money management tools.
All your banking in one app
Check your balance, pay your bills and track your spending all in one place.
BMO Total Look
Get a consolidated view of your BMO and non-BMO financial information with a personalized command center.
BMO Card Monitor
Keep your card on your radar with custom controls and notifications.
Credit Card FAQs
Have questions? That’s what we’re here for.
Get started
- Activate your cardTo activate your credit card sign in to BMO Digital Banking. From the Account summary screen, select your credit card, click on “Manage card” and “Activate your card”.You can also call to activate. To activate your Platinum, Platinum Rewards, Cash Back, and Boost Secured Card, call 1-855-825-9237. To activate your Premium Rewards or Premier Services Premium Rewards card, call 1-855-825-9238.
Manage your payments and rewards
- You can request to transfer balances from credit card accounts that you have with other credit card issuers. By submitting your Balance Transfer request you agree that the terms and conditions of your Cardholder Agreement apply to all balances transferred. Please refer to the Summary of Credit Terms for important information about rates and fees.
- Certain terms, conditions, and exclusions apply. Extended Warranty, Master RoadAssist® and MasterRental® are underwritten by New Hampshire Insurance Company, an AIG company. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Mastercard Guide to Benefits for more information.
- Pay only for purchases that you have authorized on your Mastercard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Learn more: http://www.mastercard.us/zero-liability.html.
- Coverage provided under a group insurance policy issued by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. Coverage for a stolen or damaged eligible cellular wireless telephone is subject to terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $400 per claim for Platinum Credit Card, and $600 per covered card per 12-month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per covered card per 12-month period. The monthly bill associated with the phone must be paid with the eligible card for coverage to be effective. Refer to the Mastercard Guide to Benefits for more information.
- BMO PaySmart installment plans allow cardholders to repay specific eligible purchases in equal monthly payments over a defined repayment schedule. When you create a PaySmart Plan, it will be subject to a fixed monthly fee of up to 1%. The exact fee will be based on the purchase amount and the duration of the plan, which will be disclosed when the plan is created. The monthly plan fee will remain the same until the PaySmart Plan is paid in full. Review the Terms and Conditions.
- Access Summary of Credit Terms for rate and fee information.
- Apple and Apple Pay ® are trademarks of Apple Inc., registered in the U.S. and other countries.
- Google Play and the Google Pay are trademarks of Google LLC.
- Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks or their respective owners.
- Mastercard, the Mastercard Brand Mark, Mastercard Tap & Go ®, Mastercard ® I D Theft Protection trademark, Master RoadAssist ®, MasterRental ®, Mastercard Identity Check trademark, and the circles design are trademarks of Mastercard International Incorporated.