Best For Lifestyle & Travel
BMO eclipse Visa Infinite* Card
Welcome Offer: Welcome offer: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year - that's a $570 value in your first year!*
Earn Rate: Earn 5x the BMO Rewards points on groceries, dining, gas and transit*. Get 1 BMO Reward for every $1 spent on everything else*
Perks: $50 annual lifestyle credit, $1000 mobile Device Insurance
Annual Fee: $120
Min. Income Required $60,000 personal or $100,000 household
BMO eclipse Visa Infinite Privilege* Card
Welcome Offer: Get up to 90,000 points.
Earn Rate: Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel. Get 1 BMO Reward for every $1 spent on everything else.
Perks: Get a $200 annual lifestyle credit to spend however you want. Mobile Device Insurance that covers you for up to $1,000. Pay with Points by browsing your recent transactions & redeem your points for as little as $1. Enjoy Priority PassTM membership and 6 lounge pass visits per year.
Annual Fee: $499
Min. Income Required $150,000 personal or $200,000 household
Best For Rewards & Travel
BMO Ascend™ World Elite™* Mastercard®*
Welcome Offer: Get up to 60,000 points and the annual fees waived in the first year for the primary and authorized users*. Get complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
Earn Rate: 5x the points for every $1 spent on eligible travel purchases,* 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,* 1 point for every $1 spent everywhere else.
Annual Fee: $150
Min. Income Required: $80,000 personal or $150,000 household
BMO AIR MILES®† World Elite®* Mastercard®*
Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year*.
Earn Rate: Get 3x the Miles for every $12 spent at participating AIR MILES Reward Partners* Get 1 Mile for every $12 in credit card purchases.*
Annual Fee: $120
Min. Income Required $80,000 personal or $150,000 household
Best For Cash Back
BMO CashBack® World Elite®* Mastercard®*
Welcome Offer: 10% cash back in your first 3 months (up to $2,000 in total purchases)
Earn Rate: Earn more cash back on the categories that mean the most: - 5% on groceries* - 4% on transit including ride sharing, taxis and public transportation* - 3% on gas and electric vehicle charging* - 2% on recurring bill payments like your monthly phone bill or favorite streaming service*
Annual Fee: $120
Min. Income Required: $80,000 personal or $150,000 household
No Fees And/Or Low Interest
BMO CashBack® Mastercard®*
Welcome Offer: 5% cash back in your first 3 months + 1.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee.
Earn Rate: Get 1% cash back on all purchases.
Annual Fee: $0
Min. Income Required: $15,000
BMO Rewards® Mastercard
Welcome Offer: Get 10,000 points when you spend $1,000 in the first 3 months.*
Earn Rate: 1 BMO Rewards point for every $1 spent.
Annual Fee: $0
Min. Income Required: $15,000
BMO AIR MILES®† Mastercard®*
Welcome Offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*
Earn Rate: Get 3x the Miles for every $25 spent at participating AIR MILES Partners. Use any BMO AIR MILES credit card with your AIR MILES Card when you shop at Sobeys, Safeway, Foodland & Participating Co-op’s, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry.*
Annual Fee: $0
Min. Income Required: $15,000
BMO Preferred Rate MasterCard®*
Welcome Offer: 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.
Interest Rate: Purchases: 1.99%, Balance transfers and access cheques: 12.99%, Cash advances: 15.99%
Annual Fee: $20
Min. Income Required Personal $15,000
Student Cards
BMO CashBack® MasterCard®*(Student)
Welcome Offer: Get 5% cash back in your first 3 months*
Earn Rate: Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
Annual Fee: $0
BMO AIR MILES®† MasterCard®* (Student)
Welcome Offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*
Earn Rate: Get 3x the Miles for every $25 spent at participating AIR MILES Partners*. Get 1 Mile for every $25 spent everywhere else*
Annual Fee: $0
US Dollars
BMO U.S. Dollar MasterCard®*
Welcome Offer: No welcome offer with this card. If you spend $1000+ USD in one year with the card, your annual fee is waived.
Annual Fee: $35
Min. Income Required $15,000
Secured & Reloadable Cards
BMO Prepaid Travel MasterCard®*
Credit Limit: $100 - $10,000
Annual Fee: $6.95
Min. Income Required: $0
Min. Deposit: $100
Business Credit Cards
BMO® AIR MILES®† No-Fee Business® Mastercard®*
Welcome Offer: Get 1,000 AIR MILES Bonus Miles - that’s enough for over $100 towards your purchases with AIR MILES Cash!*
Interest Rate: 19.99% Purchases, 22.99% Cash Advances
Earn Rate: 1.25x the Miles for every $20 spent at Shell locations in Canada. 1 Mile for every $20 spent everywhere else. Get topped-up to 5x the AIR MILES Reward Miles on groceries until May 31, 2021. Use any BMO AIR MILES credit card with your AIR MILES Card when you shop at Sobeys, Safeway, Foodland & Participating Co-op’s, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry.*
Annual Fee: $0
BMO CashBack® Business Mastercard®*
Welcome Offer: Get 10% cash back on gas, office supplies and cell phone/internet bills for 3 months
Interest Rate: 19.99% Purchases, 22.99% Cash Advances
Earn Rate: Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments. Get 1.75% back at Shell. Get 0.75% on all other purchases.
Annual Fee: $0
