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: $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 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: Up to 30,000 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. 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: $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 $25 in card purchases 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
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: $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. Get 1 Mile for every $25 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
Min. Income Required: $15,000
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: New! Always get 3x the miles at participating* AIR MILES partners. That’s 3 Miles for every $25 you spend. Get 3x the Miles for every $25 spent at IGA. Get 1 Mile for every $25 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
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 $25 in card purchases 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
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. 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
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
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. 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
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 35,000 points and the $120 annual fee waived in the first year. That’s a total value of $295.*
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. 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: $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. 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