rewardsno fee
3.6Rated by the CreditCardGuru Editorial Team A solid no-fee entry card with a clever habit-based bonus structure, but heavy spenders will outgrow its modest earn rates quickly.
At a glance
- Annual fee
- No annual fee
- Welcome bonus
- ~$175
- Foreign tx fee
- 2.5%
- Network
- VISA
- Rewards
- points
- Purchase APR
- 21.99%
Rewards & earn rates
| Recurring bill payments5 points per $2 spent | 2.5x |
| Groceries5 points per $2 spent | 2.5x |
| Dining, takeout & food delivery5 points per $2 spent | 2.5x |
| Everything else1 point per $2 spent | 0.5x |
Welcome offer: 25,000 bonus BMO Rewards points.
Pros & cons
Pros
- No annual fee with bonus categories on bills, groceries, and dining
- Annual bonus points reward good payment habits
- Good starter card for building credit
Cons
- Earn rates are effectively half of the eclipse Visa Infinite
- Weak 0.5x base earn on everything else
Perks & insurance
Key perks
- Up to 5,000 bonus points every year for paying on time and redeeming points
- Free BMO PaySmart installment plan for one purchase up to $1,000 every two years
- Three months of Instacart+ plus $5 monthly Instacart credit (enrollment required)
- 0.99% introductory balance transfer rate for 9 months (2% fee)
- Pay with Points on any purchase, starting at $1
Insurance
- Mobile device insurance
- Extended warranty insurance
- Purchase security insurance
Rates & fees
- Annual fee
- None
- Purchase interest
- 21.99%
- Cash advance
- 23.99%
- Foreign transactions
- 2.5%
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
