BMO Digital bonus: is $1,500 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $25,000 for 90 days, the tier that adds the most.
Yearly rate on $25,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$359$4,000$400 bonus · 90 days
- +$494$25,000Best for you$750 bonus · 90 days
- +$488$50,000$1,000 bonus · 90 days
- +$477$100,000$1,500 bonus · 90 days
The math
Compared with leaving $25k at 4.15%
Keep $25,000 there until day 90 · Make 10 debit card purchases within 90 days. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Keep $25,000 there until day 90
- 2Make 10 debit card purchases within 90 days
- Ends
- Feb 1, 2027
- Where
- Nationwide
- Monthly fee
- None
- Closing early
- $50 within 90 days
- Cash stays
- About 90 days
- Bonus paid
- Usually within 14 days of finishing
- Credit check
- A ChexSystems inquiry (not your credit score)
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the BMO Digital bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $25,000 tier adds +$494: the $750 bonus, minus the $256 that cash would have earned in 90 days. The $50,000 tier adds +$488. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Keep $25,000 there until day 90; make 10 debit card purchases within 90 days. Open nationwide.
When does it end?
The offer ends Feb 1, 2027. The terms were last checked Oct 9, 2026.