It comes with a welcome bonus of 115,000 points. You earn 1x on groceries and 3x at restaurants. Estimated first-year value is $998.
- Annual Fee
- $150
- Rewards rate
- 1x
- Welcome Bonus
- Up to 115,000 points
- 1st Year Value
- $998
BMO Rewards
Ends Jul 31, 2026
Pros
- Welcome bonus of 115,000 points
- 3x at restaurants
- Estimated 1st-year value of $998
Cons
- Requires good credit

