Snapshot

BMO Cash Back Mastercard
BMO Cash Back Mastercard
Amex Optima Card
Amex Optima Card
IssuerBMO (US)American Express
NetworkMastercardAmerican Express
Card MaterialPlasticPlastic
Annual Fee$0.00$49.00
Base Rate1.00%0.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee3%2.7%
LifecycleAvailableActive

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate1.0% (base)0.0% (base)
Telecommunications5.0%0.0% (base)
Cell phone5.0%0.0% (base)
cable/satellite TV5.0%0.0% (base)
Gas Stations3.0%0.0% (base)
Restaurants3.0%0.0% (base)
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR20.24% - 27.24%14.99% - 14.99%
Cash Advance APR29.24%28.74%
Penalty APRN/A29.99%
Late Fee$40$40
Balance Transfer Feeundefined% (min $0)N/A

Insurance & Protections

Auto RentalSecondary
Baggage Delay
Baggage Loss
Cell Phone ProtectionUp to $600 per claim, subject to $50 deductible (Max $1,000/year)
Extended WarrantyDoubles original warranty up to 1 additional year
Purchase Protection
Return Protection
Trip Cancellation Interruption
Trip Delay
Tsa Precheck Global Entry

Usability & Experience

Digital WalletN/AN/A
Instant Card Number
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard