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Ranking Every Canadian Credit Card (From GOOD to TRASH!)If the lead account is joint, and both accountholders have a BMO Credit Card, the rebate will be applied to the BMO Credit Card with the higher annual fee. Welcome offer: Get up to 5% cash back in your first 3 months and a % introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee. A joint bank account is an account in which two or more people have ownership rights over the same account. This includes the right for all account holders to.