Best For Rewards & Travel
BMO World Elite Mastercard
Welcome Offer: 35,000 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
Welcome Offer: 3,000 AIR MILES Bonus Miles + First Year Fee Waived
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
BMO Air Miles World Mastercard
Welcome Offer: No welcome offer for this card.
Earn Rate: 1 Mile for every $15 in credit card purchases. Earn 1.25x Miles at Shell and 1.5x Miles at National Car Rental and Alamo Rent A Car.
Annual Fee: $99
Min. Income Required: $60,000 personal or $100,000 household
Best For Cash Back
BMO CashBack World Elite Mastercard
Welcome Offer: 5% cash back in your first 3 months + First year fee waived.
Earn Rate: Get 1.5% cash back on all purchases.
Annual Fee: $120
Min. Income Required: $80,000 personal or $150,000 household
BMO CashBack World Mastercard
Welcome Offer: Free perks like roadside assistance.
Earn Rate: Get 1.25% cash back on all purchases. Earn 3% cash back on all Shell purchases.
Annual Fee: $79
Min. Income Required: $60,000 personal or $100,000 household
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
No Fees And/Or Low Interest
BMO Rewards Mastercard
Welcome Offer: 20,000 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: $0
BMO Air Miles Mastercard
Welcome Offer: 800 AIR MILES Bonus Miles + 1.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee
Earn Rate: Get 2x Miles for every $20 spent at participating AIR MILES Partners. Get 1 Mile for every $20 spent everywhere else.
Annual Fee: $0
Min. Income Required: $0
BMO IGA Air Miles Mastercard
Welcome Offer: 800 AIR MILES Bonus Miles.
Earn Rate: Get 2x Miles for every $20 spent at participating AIR MILES Partners or at IGA. Get 1 Mile for every $20 spent everywhere else.
Annual Fee: $0
Min. Income Required $0
BMO Shell Air Miles Mastercard
Welcome Offer: 800 AIR MILES Bonus Miles.
Earn Rate: 1.25x Miles on purchases at Shell locations in Canada. Get 1 Mile for every $15 spent everywhere else.
Annual Fee: $99
Min. Income Required $60,000 personal or $100,000 household
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
Secured & Reloadable Cards
BMO Reloadable Prepaid Travel Mastercard
Annual Fee: $6.95
Interest Rate No interest rates. This is a reloadable, secured credit card. You must prepay before you can spend.
Min. Income Required $0
Minimum Deposit: $100