BMO Mosaik MasterCard

BMO Mosaik MasterCard

BMO Mosaik MasterCard
Summary: Flexible MasterCard that can have features added for additional fees

Description: 

With the Mosaik MasterCard by BMO (Bank of Montreal), you can customize the features you want to create your own "personalized" credit card. You can add the following features:

Rewards
Gold WestJet AIR MILES for $80/yr (1/$15 reward miles + 150 bonus)
Silver AIR MILES for $35/yr (1/$20 reward miles + 100 bonus)
Bronze AIR MILES for no fee (1/$40 Reward Miles)

1% CashBack for $49/yr (1 CashBack point for every $1 in card purchases)
0.5% CashBack for no fee (1 CashBack point for every $2 in card purchases)

Interest Rate
No Fee Rate Plan interest rate of 18.5% for No Fee
Low Rate Plan interest rate of 11.4% for $25/yr

You can also choose from 6 different credit card designs.

Insurance Benefits
Gold Total Travel Protection (under age 65 only) for $99/yr (includes Gold Travel protection and Gold Medical Protection)
Gold Travel Protection for $69/yr (Silver Travel Protection benefits plus trip cancellation insurance baggage and personal effects insurance and more)
Silver Travel Protection for $29/yr (Includes collision damage waiver insurance, unexpected return home insurance and more.)

Gold Medical Proection for $89/yr (Trips up to 31 days)
Silver Medical Protection for $49/yr (Trips up to 17 days)
Get comprehensive out-of-Canada medical coverage that protects you and your family throughout the year. Covers up to $1 million in eligible expenses.

All BMO Mosiak MasterCards include Extended Warranty coverage. Balance protection can be added for an additional fee.

Overview

Version:
Standard
Credit required:
Good
Card Type:
MasterCard
Reward Program: 
Air Miles
Issuer: 
BMO
Minimum Income Note: 
Not Specified
 

Annual Interest Rates

Interest Rate: 
18.5%
Cash Advance: 
18.5%
Balance Transfer: 
18.5%
Grace Period: 
19 days
Minimum Payment: 
2% of outstanding balance
 

Annual Fees

Annual Fee: 
$0
Supplemental Cards: 
$0
 

Balance Protection

Insurance Plan: 
Balance Insurance
Age to Qualify: 
Under 65
Monthly Premium: 
$0.94 (per $100 of outstanding balance)
Maximum Benefit: 
$10000
 

Rewards

Varies depending on option selected (see description)
Travel / Vacation: 
Yes*
Cash Back: 
Yes*
Merchandise: 
Yes*
Groceries: 
Yes*
Vehicle Rebates: 
No
Charitable Donations: 
No
Health Care: 
No
Financial Products: 
No

Benefits

Car Rental Insurance: 
Yes*
Extended Warranty: 
Yes
Travel Accident Insurance: 
Yes*
Travel Medical Insurance: 
Yes*
Trip Cancellation Insurance: 
Yes*
Flight Delay Insurance: 
Yes*
Baggage Insurance: 
Yes*
Road Insurance: 
No
Balance Protection Insurance: 
Yes*
Indicates restrictions or additional fees may apply. Check the credit card's web site or fine print for more information.
 
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