Respond by December 20, 2013, to take advantage of this preapproved offer2

Please complete the form below. All fields are mandatory unless indicated otherwise.



* required fields

First Name*
Last Name*
Street Number*
Street Name/Rural Route*
Apt/Suite
City*
Province/Territory*
Postal Code* 
Date of Birth*
Home Telephone*
Email Address
Occupation Type*
Personal Gross Monthly Income
Personal Other Monthly Income
Source of Other Income
Other Household Monthly Income
Source of Household Income
AIR MILES Collector Number
If you are not already an AIR MILES collector,
you will be enrolled in the program.
BMO AIR MILES
MasterCard
Annual fee$03
Interest rate19.9%3
Reward rate1/$20 AIR MILES4
Offer500 AIR MILES
Reward Miles2

BMO MasterCard Interest Rate and Fee Information

The section below contains important information about the preapproved BMO MasterCard. To take advantage of this preapproved offer, you must review and agree to all terms. Please review the entire section and confirm that you have read and understand the interest rate and fee information by checking the box provided.

Important information about BMO MasterCard cards

The following provides important information about BMO MasterCard®* cards. The charges, fees and pricing listed are valid as of August 16, 2013 unless otherwise noted, and are subject to change.

Annual interest rate or rates
These interest rates are in effect from the date your account is activated.
AIR MILES®† cards, CashBack® cards:
Purchases & Fees: 19.9%
Cash Advances: 19.9%
Balance Transfers: 19.9%

Interest-free grace period

 21 days
You will benefit from an interest-free grace period of at least 21 days if you pay off your balance in full by the payment due date. We don’t charge interest on purchases and fees appearing on your account statement for the first time if you pay your new balance in full by the payment due date. There is no interest-free period on cash advances, including cash-like and gaming transactions, and balance transfers.

Minimum payment

 2% or $10
Your minimum payment will be the greater of 2% of the outstanding balance shown on your account statement, or $10. You must pay the full amount of the new balance if it is $10 or less. If the new balance exceeds your credit limit or if there is an amount past due on your account statement, you must pay the greater of:
  • The minimum payment described above plus the past due amount, or
  • The amount by which your new balance exceeds your credit limit.

Foreign currency conversion

 Canadian dollar:
The exchange rate for converting foreign currency transactions to Canadian dollars is the rate charged to us by MasterCard International ("MCI") plus 2.5%. The exchange rate for converting refunds of foreign currency transactions to Canadian dollars is the rate charged to us by MCI minus 2.5%. We make the conversion on the date the transaction or refund is posted to your account. U.S. dollar: The exchange rate for converting non-U.S. dollar transactions to U.S. dollars is the rate charged to us by MasterCard International ("MCI") plus 2.5%. The exchange rate for converting refunds of non-U.S. dollar transactions to U.S. dollars is the rate charged to us by MCI minus 2.5%. We make the conversion on the date the transaction or refund is posted to your account.

Annual fees

 Annual fees are to be charged within the first two monthly statements following the opening of your new account, regardless of whether or not the card has been activated, and annually on your statement anniversary date.
Annual card fees:
AIR MILES World MasterCard $99.00
CashBack World MasterCard $79.00
AIR MILES MasterCard, CashBack MasterCard No fee
Additional card annual fee:
AIR MILES World MasterCard $15.00 per card
CashBack World MasterCard $15.00 per card
All other Cards No fee

Other fees

 The following fees are charged on the day the transaction or activity takes place:
Charge for dishonoured payment from or to your account (Amount of dishonoured payment will be subject to the applicable interest rate from the date such payment is reversed.) $40.00
Charge for Book of Personalized MasterCard Cheques $10.00
Replacement Copy of Statement or Sales Slip $5.00
Cash-like and gaming transactions:
Wire transfers, money orders, travellers cheques, foreign currency, bets and betting, off-track betting, race track wagers, casino gaming chips and lottery tickets $2.75
Cash advance fees – Automated teller machine (ATM) network:
Bank of Montreal ATM $1.50
Interac®§§ Network in Canada $2.75
Cirrus®* Network in U.S. $3.50
Cirrus®* Network outside Canada and U.S. $4.50
Cash advance fees – Other:
Bank of Montreal branch and Telephone Banking $3.00
MasterCard financial institution in Canada $4.00
MasterCard financial institution in U.S. $5.00
MasterCard financial institution outside Canada and U.S. $6.00
The following fees, if applicable, are charged on your statement date:
Over limit fee: $29.00
BMO MasterCard balance insurance:
Monthly premium $0.94 per $100 of your outstanding balance, plus applicable taxes
 

Your account statements

We’ll provide you an account statement every month, unless you have a monthly outstanding balance of less than $10 and no payments or transactions have been posted to your account and no interest or fees have been charged to your account. In such case, we will send you an account statement every three months.

Determination of Interest

To calculate interest charges on cash advances, we multiply the daily closing balance of your cash advances by the daily cash advance interest rate, which is equal to the annual cash advance interest rate divided by 365. To calculate interest charges on purchases and fees, we multiply the daily closing balance of your purchases and fees by the daily purchase interest rate, which is equal to the annual purchase interest rate divided by 365.

Contact us

For additional information concerning your BMO MasterCard account, please call the BMO MasterCard Customer Contact Centre at 1-800-263-2263. TTY (for the deaf and hearing impaired): 1-866-859-2089.

† Plus applicable taxes. ‡ Supplier fees for each change or cancellation to your travel arrangements may also apply and will be displayed at the time of booking based on your specific travel reservation. ®/™ Registered trade-marks of Bank of Montreal. ™*/®* Trade-marks/registered trade-marks of MasterCard International Incorporated. ®† Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and Bank of Montreal. ®§§ Trade-mark of Interac Inc. Used under license.

Interest Rate & Fees (PDF, 20 KB)
Terms and Conditions (PDF, 28 KB)

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