Travel Rewards
US Dollar Cards
BMO U.S. Dollar Mastercard
BMO Bank of Montreal
Current Welcome Offer
Shop in U.S. dollars and skip exchange-rate surprises.
Annual Fee
$49
Purchase APR
21.99%
Cash Adv. APR
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 0.00%
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
Additional Perks
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Insurance Coverage
Purchase Security: 90 days; Extended Warranty: +1 Year; Travel/Medical: Not Included
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 23.99% |
| Annual Fee | $49 |
| Income Required | No specific requirement listed. |