Best For Lifestyle & Travel
BMO eclipse Visa Infinite* Card
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
BMO eclipse Visa Infinite Privilege* Card
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
Best For Rewards & Travel
BMO World Elite™* MasterCard®*
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
BMO AIR MILES®†World Elite®* MasterCard®*
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
Shell AIR MILES®†MasterCard® from BMO
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 $25Â in card purchases everywhere else
Annual Fee: $0
Min. Income Required $15,000
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) + 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
Shell CashBack World MasterCard® from BMO
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®*
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
BMO Rewards® MasterCard
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
BMO AIR MILES®†MasterCard®*
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
BMO IGA 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 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
Shell AIR MILES®†MasterCard® from BMO
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 $25Â in card purchases everywhere else
Annual Fee: $0
Min. Income Required $15,000
Shell CashBack MasterCard® from BMO
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®*
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®*
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)
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)
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®*
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 Rewards® Business Mastercard®*
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®*
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®*
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®*
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