The days of “one-size-fits-all” credit cards are over. This week, BMO Bank of Montreal introduced a new MasterCard that enables Canadians to choose a reward program, special features, rate plan, and the card design. The “Mosaik MasterCard” offers 900 potential combinations. It also permits cardholders to re-build their cards by changing the features as their needs change without having to replace the card or apply for a new one. Some of individual features include the “AIR MILES Reward Program,” “CashBack Reward Program,” travel protection, travel medical, concierge service and either a standard or low interest rate. Existing BMO Bank of Montreal MasterCard cardholders will not need to re-apply to benefit from “Mosaik MasterCard” as their current card accounts have already been converted. All of the new rewards and special features will be automatically available, but current cardholders can keep their existing options if they find they already suit their needs. In addition, current account details, such as card numbers and credit limits, will remain the same. For more information: www.bmo.com/mosaik.