Best BMO Credit Cards

Best For Lifestyle & Travel

BMO eclipse Visa Infinite* Card

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on BMO's website

Welcome Offer: Get up to 40,000 points and the $120 annual fee waived in the 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: Get a $50 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.

Annual Fee: $120

Min. Income Required $60,000 personal or $100,000 household

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BMO eclipse Visa Infinite Privilege* Card

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on BMO's website

Welcome Offer: Get up to 50,000 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

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Best For Rewards & Travel

BMO World Elite™* MasterCard®*

BMO World Elite Mastercard

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on BMO's website

Welcome Offer: 40,000 Points + First year fee waived

Earn Rate: 3 BMO Rewards points for every $1 spent on eligible travel, dining and entertainment. 2x points for everything else.

Annual Fee: $150

Min. Income Required: $80,000 personal or $150,000 household

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BMO AIR MILES®† World Elite®* MasterCard®*

BMO® AIR MILES®† World Elite® Mastercard®

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on BMO's website

Earn Rate: 1 Mile for every $10 in credit card purchases. Earn twice on purchases at AIR MILES partners.

Annual Fee: $120

Min. Income Required $80,000 personal or $150,000 household

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Shell AIR MILES®† MasterCard® from BMO

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on BMO's website

Welcome Offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*

Earn Rate: Always get 3x the miles at participating AIR MILES Partners. 1 Mile for every $25 in card purchases everywhere else

Annual Fee: $0

Min. Income Required $15,000

Best For Cash Back

BMO CashBack® World Elite®* MasterCard®*

BMO CashBack World Elite Mastercard

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on BMO's website

Welcome Offer: 10% cash back in your first 3 months (up to $2,000 in total purchases) + first year fee waived (offer valid until Oct. 31, 2020)

Earn Rate: Get 1.5% cash back on all purchases.

Annual Fee: $120

Min. Income Required: $80,000 personal or $150,000 household

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Shell CashBack World MasterCard® from BMO

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on BMO's website

Welcome Offer: No welcome offer with this card, but you get free Roadside Assistance year-round.

Earn Rate: Get 3% cash back on all purchases at Shell locations. 1.25% cash back everywhere else.

Annual Fee: $79

Min. Income Required: $60,000 personal or $100,000 household

No Fees And/Or Low Interest

BMO CashBack® MasterCard®*

bmo cashback mastercard

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on BMO's website

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: $0

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BMO Rewards® MasterCard

bmo rewards mastercard

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on BMO's website

Welcome Offer: 15,000 BMO Rewards welcome points + 1.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee

Earn Rate: 1 BMO Rewards point for every $1 spent.

Annual Fee: $0

Min. Income Required: $15,000

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BMO AIR MILES®† MasterCard®*

bmo air miles mastercard

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on BMO's website

Welcome Offer: GGet 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

Min. Income Required: $0

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BMO IGA AIR MILES®† MasterCard®*

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on BMO's website

Welcome Offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*

Earn Rate: Get 3x Miles for every $25 spent at participating AIR MILES Partners or at IGA. Get 1 Mile for every $25 spent everywhere else.

Annual Fee: $0

Min. Income Required $15,000

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Shell AIR MILES®† MasterCard® from BMO

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on BMO's website

Welcome Offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*

Earn Rate: Always get 3x the miles at participating AIR MILES Partners. 1 Mile for every $25 in card purchases everywhere else

Annual Fee: $0

Min. Income Required $15,000

Shell CashBack MasterCard® from BMO

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on BMO's website

Welcome Offer: $50 in cash back rewards + introductory cash back rate of 1% for the first 6 months.

Earn Rate: 1.5% cash back on purchases at Shell locations in Canada. Get 0.5% back everywhere else.

Annual Fee: $0

Min. Income Required $15,000

BMO Sobeys AIR MILES®† MasterCard®*

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on BMO's website

Welcome Offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*

Earn Rate: Get 3x Miles for every $25 spent at Sobeys or any participating Air Miles partners. Get 1 Mile for every $25 spent everywhere else.

Annual Fee: $0

Min. Income Required $15,000

BMO Preferred Rate MasterCard®*

bmo preferred rate mastercard

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on BMO's website

Welcome Offer: 3.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee.

Interest Rate: Purchases: 12.99%, Balance transfers and access cheques: 12.99%, Cash advances: 12.99%

Annual Fee: $20

Min. Income Required Personal $15,000

Student Cards

BMO CashBack® MasterCard®*(Student)

bmo cashback mastercard

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on BMO's website

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 3% cash back on grocery purchases, 1% cash back on recurring bill payments, 0.5% cash back on all other purchases.

Annual Fee: $0

Min. Income Required: None

BMO AIR MILES®† MasterCard®* (Student)

bmo air miles mastercard

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on BMO's website

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

Min. Income Required: None

US Dollars

BMO U.S. Dollar MasterCard®*

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on BMO's website

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®*

bmo prepaid travel mastercard

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on BMO's website

Credit Limit: $100 - $10,000

Annual Fee: $6.95

Min. Income Required: $0

Min. Deposit: $100

Business Credit Cards

BMO Rewards® Business Mastercard®*

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on BMO's website

Welcome Offer: Get 50,000 points after you spend $5,000 in the first 3 months

Earn Rate: 3 BMO Rewards Points for every $1 you spend on gas, office supplies and cell phone/internet bill payments. 1.5 points on everything else.

Annual Fee: $120

Requirements: Be an owner of a for-profit business that operates in Canada. No bankruptcy in the last 7 years. Be the age of majority in your Province or Territory.

BMO® AIR MILES®† Business® Mastercard®*

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on BMO's website

Welcome Offer: 3,000 Bonus Air Miles - that’s enough for $310 towards your purchases with AIR MILES Cash!

Interest Rate: 19.99% Purchases, 22.99% Cash Advances

Earn Rate: 1.25 Miles for every $1 spent at Shell locations in Canada. 1 Mile for every $10 spent everywhere else.

Annual Fee: $120

BMO® AIR MILES®† No-Fee Business® Mastercard®*

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on BMO's website

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.

Annual Fee: $0

BMO CashBack® Business Mastercard®*

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on BMO's website

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

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