 Hello everyone, this is Amit Dan and on this channel you find financial travel and more videos. If you like what you see Please do the thumbs up and consider subscribing. Thank you Hello everyone, this is Amit Dan of amitdan.com Today I'll have another episode of great card unboxing video and I'll be presenting the BMO ruse mastercard on this channel, I do financial travel and other videos and my Great card videos and any other videos. They're not affiliated unbiased and honest So the difference between my reviews and other big websites or any other reviews that those are affiliated and Biased opinions because they're working for the greater company. So basically they're going to hide important information From you so you can sign up using their websites or links so they can make some money off you But on this channel, I don't provide any affiliated link or I don't accept any money from credit card companies or any other companies So you are going to get totally honest opinion and then I'm going to give you Insights which will not get from anywhere else. So today I have the BMO viewers mastercard So let's take this card out of the envelope and then we'll talk about more about This card so the envelope came this way and I'm going to just take this out here. So let's Set this aside here and this is the Introductory letter and where the credit card is Stacked inside right here. So I'm gonna just leave this here for now and just let's look at some other literatures Came along with this great card. So you have the BMO viewers terms and conditions so Here they're just giving you information about, you know, how BMO viewers work and how to redeem and what to do in case of Debt or Canceling or withdrawing points. So I'm not going to be talking a lot about this So I'll just set it aside here and then we have here a certificate of insurance Literature. So this card is a free no annual free credit card. So they're Shouldn't be that many have free insurances provided. So let's just take a quick look here that you know what we have here Okay, so it looks like we have these Insurances which come with this free credit card. So these are purchase protection benefits extended warranty benefits and Looks like that's about it Okay, so let me just Go through quickly Extended warranty is just you know, you'll get another additional year after manufacturers warranty, which is usually one year So you get one plus one two years in total when you purchase anything with the credit card Or some like, you know items based on their terms and conditions But this insurance is very common. Usually it comes with any paid or free credit card. So That's what we have here and purchase protection benefit right here and this is another Insurance usually it comes free. So this is you know, you get coverage for 90 days from the data purchase and It gives you protection from Thift damage or a loss of items. So you have to just you know read the Details on these if you would like to use these insurances and then purchase protection exclusion limitation Extended warranty. Okay. So I don't see anything else to mention here. So I'm just going to be setting this aside So these are very basic common insurances which come along with any other credit card Then we have a literature for BMO Rewards points how it works now the BMO Rewards structure Or the BMO Rewards points for this card, which is a no annual freight card and the BMO World Elite Mastercard Which is a hundred dollar NO3. You aren't the same reward. It's the same reward, but just different weird structures So the reason I have this card because I canceled my BMO World Elite Mastercard Which has a hundred fifty dollars NO3 and I asked them to convert it to this free no annual freighter because I don't want to lose my Credit availability. So let's open this up and see what we have here So I have it here So it just talks about what you can do with your BMO Rewards and this card earns one point for every dollar you spend Okay And these are like an additional option You can add it to your card Roadside assistance and freight card balance protection and then added benefit is extended warranty purchase protection, which I already mentioned and The common mastercard worldwide security and protection. Okay Don't have anything else here Zero liability protection lost and stolen freight cars. So this is very common all freight cars combined resolution and All other information so they haven't provided much information here. So the way the BMO Rewards work for this card is that you get one BMO point for each dollar and the redemption rate for BMO point is One dollar four hundred forty points when you redeem for travel expenses So if you do the math or calculations the way it works here is that you're going to get point seven cent for each dollar spent So it's not even one cent for dollars. So this card has a very low rate of return and I don't recommend this card no annual fee card to anyone because You can get better a no annual fee card from other Crater companies some of the examples are which can be in many of yours. We were split in a power plus master card blue sky credit card from American Express and then we got simply cash card, which is a few one from American Express Tangerine money back credit card. So These are the some free credit cards and then another credit card If you're looking at the RBC, RBC Rewards Visa credit card, so that's another card You can look at for a no annual fee Great card the full name of the RBC card is RBC Rewards Plus Visa card Which earns one RBC points per dollar on selected categories. So there's no point having this card If you're looking for a free credit card, so that's the honest opinion, but now Let's open up the card and see how it looks. So here is the envelope and here's the standard welcome there and We have here some other information We have here some just a General information. I'll take out the card for you. I'll show you how it looks Nothing fancy. Just a simple card So here's what we have BMO Rewards master card Okay, I'll set it aside So that was the review and unboxing of the BMO Rewards Mastercard and again for a no annual to credit card They're better options than this because this is not even giving you one cent per dollar spent If you'd like to know more about other credit cards, just you know go to my YouTube channel and look under a credit card section and you'll see there are lots of videos and Also, you'll be seeing lots of travel videos on this channel because you know using viewers points and Miles I travel the world and then I document my travel which is this channel all about So that's all for now. If you like what you see, let's give it a thumbs up and subscribe Because there will be more videos coming up. So I'll see you shortly. Thank you