Travel Rewards
US Dollar Cards
BMO U.S. Dollar Mastercard
BMO Bank of Montreal
Welcome Bonus:
Shop in U.S. dollars and skip exchange-rate surprises.
Secure RateBuddy connection · Application completed on BMO Bank of Montreal’s site
Annual Fee
$49
Purchase APR
21.99%
Cash Advance
23.99%
RateBuddy Verdict
The Good
- Allows you to make purchases and pay your statement directly in U.S. funds, bypassing daily currency exchange fluctuations.
- The U.S. $49 annual fee is automatically rebated if your purchases total U.S. $3,000 or more in a year.
- Allows you to add an additional cardholder to the account completely free of charge.
The Trade-offs
- Does not earn any cash back, travel points, or standard rewards on your daily spending.
- Does not include any travel or emergency medical insurance, which is a downside for cross-border travelers.
Rewards & Earnings
Base Rate
0%
Rewards Summary:
Base Earn: None; This card is designed strictly to facilitate U.S. dollar transactions and avoid foreign exchange conversion fees.
Welcome Bonus Details
Shop in U.S. dollars and skip exchange-rate surprises.
Features & Benefits
Extended Warranty Insurance
Doubles manufacturer warranty up to 1 year
Purchase Security Insurance
Covered against theft or damage for the first 90 days
Insurance Coverage
Purchase Security: 90 days; Extended Warranty: +1 Year; Travel/Medical: Not Included
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 23.99% |
| Annual Fee | $49 |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Travel Rewards
US Dollar Cards
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