亮点简述
- 消费返现比例不错， 类别比较多
- 想有 Visa Infinite Privilege 权益
发卡银行：BMO
结算通道：VISA
卡片种类：信用卡
年费：$499; 副卡年费 $75
消费返还的是 bmo points, 以固定比例折现 150 points = $1 (每个bmo points 大概 0.67 cent)
开卡奖励
目前 welcome bonus 是 90,000 points
- 前三个月消费 $6000 🉐️ 50,000 points
- 首年消费 $100,000 🉐️ 40,000 points
申请门槛： 个人年收入 15万 或者 家庭年收入 20万
日常消费
⚠️ 累积的是 bmo points 合现金大概 0.67 cents
5X: 吃饭、加油、买菜、药店、旅行 (每日历年，上限十万消费)
1X: 其他消费
另外， 如果添加副卡， 那么消费所得积分 再乘以 1.25
福利 & 保险
- $200 Annual Lifestyle Credit
分两次白送 $200
- Visa Infinite Privilege 福利
具体可参考 博客总结 点我
旅行相关福利
- Out-of-Province/Country Emergency Medical Insurance
- Common Carrier Insurance
- Car Rental Collision/Loss Damage Insurance
- Trip Cancellation/Trip Interruption Insurance
- Flight Delay and Baggage Insurance for baggage delay, loss, theft or damage
购物相关福利
- 手机保险 Mobile Device Insurance
Enjoy peace of mind with Mobile Device Insurance, which provides coverage of up to $1,000 in the event your mobile device is lost, stolen or accidentally damaged.
- Purchase Security Insurance
Get up to 120 days of coverage against theft or damage of covered items from date of purchase
Extended Warranty Insurance, which triples the original manufacturer’s warranty to a maximum of 2 additional years
