The BMO Mosaik MasterCard credit card is issued by Bank of Montreal (BMO). Cardholders can customize their
BMO Mosaik MasterCard by selecting features from a menu of options.
BMO Mosaik MasterCard: Standard Features
The standard features of this credit card include:
An interest rate of 18.5% on cash advances and balance transfers. This rate is, however, subjected to change.
19-day grace period, which might change to a minimum of 17 days.
Monthly premium of $0.94 per outstanding balance of $100.
Variable Features of the BMO Mosaik MasterCard
The BMO Mosaik MasterCard credit card is accepted worldwide and is known for its ‘personalized’ approach. Applicants can
select any feature from the list given below and create their very own BMO Mosaik MasterCard.
Interest Rate Options:
Interest rate charge of 18.5% with no annual fee.
Low interest rate of 11.4% with an annual fee of $25 per year.
Insurance Benefits:
Applicants have a variety of insurance benefits to choose from, including:
Gold Total Travel Protection: A combination Gold Travel protection and Gold Medical Protection can be
purchased by a cardholder whose age is below 65 years for $99 per year.
Silver Travel Protection: Insures collision damages and unexpected homecoming. This is priced at $29 per year.
Gold Travel Protection: This has all the features of Silver Travel Protection along with the added advantage of trip
cancellation insurance.
Gold Medical Protection: This covers trips of up to 31 days and can be purchased for $89 per year.
BMO Mosaik MasterCard: Types of Reward Programs
For every credit card transaction, card holders earn reward miles that can be exchanged for a variety of rewards. An applicant
can choose from:
Gold WestJet Air Miles: Available at an annual fee of $80. This reward gives the card holder a reward mile for every card
transaction worth $15. A card holder gets an introductory bonus of 150 reward miles.
Silver Air Miles: Priced at $35 per year, this reward program offers one reward mile for every $20 spent through the credit
card. It also offers an added bonus of 100 reward miles.
Bronze Air Miles: This program is available free of cost and awards one reward mile against a transaction of $40.
Any Canadian within the age bracket of 18 to 65 years with a steady source of income and good credit history can qualify for
this card. The best way to choose the best BMO Mosaik MasterCard program is to visit www3.bmo.com/mosaik
‘BMO (Bank of Montreal)’ and ‘BMO Mosaik MasterCard’ are trademarks of BMO financial group, who can be found at www4.bmo.com