BMO · Mastercard
BMO Preferred Rate Mastercard
Balance transfer · Low interest
Annual fee$29First year free
Foreign transaction fee2.5%
Purchase rate13.99%
Income requirementNot stated
Welcome offer
Verified · Oct 110% on balance transfers for the first 18 billing periods, first year free
Earn 0% on balance transfers made within 18 billing periods of opening the account (3% fee); the first year's annual fee is refunded.
- Minimum spend
- —
- Apply by
- Not stated
Checked on October 11, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $29, first year free
- Foreign transaction fee
- 2.5%
- Purchase rate
- 13.99%
- Cash advance rate
- 15.99%
- Income requirement
- Not stated
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
I have tracked this card's welcome offer since October 11, 2026, and it has not changed. Each time it changes, the old offer will be struck through and kept here.
- Now · Checked October 11, 20260% on balance transfers for the first 18 billing periods, first year freeAnnual fee $29 · First year free
Included insurance
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
Coverage amounts and number of days are as stated in the certificate of insurance.