Offer Terms
* Terms and conditions apply.
- Terms and conditions apply.
- Subject to approval.
How it Works
- 1.Sign in or create a new FinlyWealth account.
- 2.Click the offer link provided in order to be redirected to the merchant's page.
- 3.Make sure to add your Interac e-Transfer email to your Finly profile for us to process payments.
- 4.Complete your application or purchases in one go.
- 5.Once approved, we should receive a confirmation within 3-10 business days depending on the merchant. Please note that this timeline can be much longer depending on the nature of your transaction and how the merchant processes approvals. Your cashback profile will reflect that as soon as we receive a status update.
- 6.Cash back payments are generally processed within 3-5 business days of receiving transaction confirmations, however it may vary depending on processing times.
Card Details
Info
Card Type | Credit |
Reward Type | Cash Back |
Our Rating | 4/5 |
Institution | BMO |
Fees & Rates
Annual Fee | $120 (first year waived) |
Interest Rates | Purchase: 21.99% Cash Advance: 23.99%□ Balance Transfer: 23.99% □ Cash advance rate for Quebec residents is 21.99% |
Eligibility
Credit Score Estimate | Excellent |
Annual Income | Personal: $80,000 Household: $150,000 |
Bonuses
Welcome Bonus | 10% cash back in your first 3 months up to $200 |
Description | Get up to 10% cash back in your first 3 months with an incremental cashback value of $194 |
Rebate Timeline
Posting Time
30-45 days from application submission
Locking Time
45 days from application approval
Application Submitted
You submitted your application
Pending Verification
BMO determines your eligibility
Expected: 30 daysFinal Approval
Rebate is approved
Expected: 15 daysPayments & Privacy
- •We take privacy serious and believe in keeping your information the way it's meant to be - private. We ask for minimal information to reduce exposure and secure any personal information stored using the latest industry standards.
- •Payments are sent via Interac e-Transfer to an email address of your choice which can be saved and modified on your account. If your Interac requires a password to accept payments, one will be provided to you through email, otherwise the cash payment will be auto-deposited into your account.
Helpful Tips
Don't switch devices
Making sure to complete the process in one go without switching devices will help to avoid unforeseen tracking issues.
Avoid cookie or ad blockers
Most of our tracking process is done through browser cookies, hence blocking them would introduce potential tracking issues. Don't use incognito mode either.
Read eligibility criteria
It's generally recommended to read and understand the eligibility criteria before you apply for a financial product.
User Reviews
See our full list of reviews on Trustpilot
Footnotes:
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.