Exclusive Offer for Credit Karma members

BMO Preferred Rate Mastercard®*

Canada’s best introductory balance transfer rate and term.5

Welcome offer:

Get a 0% introductory interest rate on balance transfers for 9 months 18 months with a 1% transfer fee and we’ll waive the $29 annual fee for the first year.1a,b,c,d,e,f,g

Our lowest interest rate of 13.99% on purchases.2

Free extended warranty and purchase protection.3

Zero Dollar Liability: protects you from unauthorized use of your credit card.

Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.4

$29 $02

13.99%2

15.99%2

Annual fee
(Waived in first year)

Purchases

Cash advances

Digital features and security at your fingertips

Give your financial health a boost with online and mobile banking tools. Enjoy more control over your credit card and a better understanding about how you're using it.

Can't find your card? No worries, you can lock it, unlock it or report it lost or stolen at any time.

Stay on top of your spending with a personalized look at your money. 

Log in to your mobile or online banking for free, 24/7 access to CreditView. 

Resolve an issue with your statement or reset your PIN directly  from your mobile app. 

BMO Preferred Rate Mastercard®*

$29 $02

13.99%2

15.99%2

Annual fee

(Waived in first year)

Purchases

Cash advances