Foreign transaction fee
What's the foreign transaction fee?
2.5% on purchases made in a foreign currency.
Issuer source Verified 2026-06-19
What this card covers — foreign transaction fee, rental car, trips, purchases, and your phone. Each answer links to the issuer's own benefit guide. Last verified 2026-06-19.
What's the foreign transaction fee?
2.5% on purchases made in a foreign currency.
Is rental car (CDW/LDW) coverage included?
Auto Rental Collision/Loss Damage Waiver is included. Charge the full rental to the Card and decline the agency's CDW; coverage applies to eligible vehicles up to the benefit guide's rental-period limit.
Is trip cancellation covered?
Trip Cancellation insurance is included for eligible prepaid travel charged to the Card when a covered reason prevents departure.
Is trip interruption covered?
Trip Interruption insurance is included for covered reasons that cut a trip short.
Are new purchases protected against theft or damage?
Purchase Protection covers eligible items against theft or damage for 90 days; Extended Warranty doubles the manufacturer's warranty per the benefit guide.
Is my phone covered (mobile device insurance)?
Mobile Device Insurance is not a standard benefit on this card per the benefit guide — confirm current terms with BMO.
Not insurance advice
CURATED, NOT EXHAUSTIVE. These card benefit + insurance summaries are hand-entered for the most popular Canadian cards to answer common 'is the rental car / trip / phone covered?' questions. Coverage is governed solely by the issuer's official Certificate of Insurance / benefit guide — figures here are representative phrasing, not a contract, and many benefits require charging the full purchase to the card and meeting age/eligibility/holiday-vs-business conditions. Always confirm against the linked issuer source before relying on a benefit. Do NOT treat as a live feed. Refresh on the same discipline as scripts/refresh-card-data.md: re-verify each entry against the issuer page, bump lastVerified, and correct anything that changed.