Best BMO Credit Cards

Best For Rewards & Travel

BMO® World Elite™* MasterCard®*

BMO World Elite Mastercard

Apply Now

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

Read review

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

BMO® AIR MILES®† World Elite® Mastercard®

Apply Now

on BMO's website

Welcome Offer: 2,000 AIR MILES Bonus Miles + First Year Fee Waived (offer valid until Oct 31, 2020).

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

Read review

Shell AIR MILES®† MasterCard® from BMO

Apply Now

on BMO's website

Welcome Offer: Get 950 AIR MILES Bonus Miles!* That’s enough for $100 towards purchases with AIR MILES Cash. Get 5x the Miles at Shell until December 31, 2020.

Earn Rate: Always get 2x the miles at participating AIR MILES Partners (2 Miles for every $20 spent). 1 Mile for every $20 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

Apply Now

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

Read review

BMO Shell CashBack World Mastercard®

Apply Now

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

Apply Now

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

Read review

BMO Rewards® MasterCard

bmo rewards mastercard

Apply Now

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

Read review

BMO® AIR MILES®† MasterCard®*

bmo air miles mastercard

Apply Now

on BMO's website

Welcome Offer: Get 950 AIR MILES Bonus Miles!* That’s enough for $100 towards purchases with AIR MILES Cash.

Earn Rate: Get 5x the Miles at Shell until December 31, 2020. 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

Read review

BMO® IGA AIR MILES®† MasterCard®*

Apply Now

on BMO's website

Welcome Offer: Get 950 AIR MILES Bonus Miles!* That’s enough for $100 towards purchases with AIR MILES Cash.

Earn Rate: Get 5x the Miles at Shell until December 31, 2020. 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 $15,000

Read review

Shell AIR MILES®† MasterCard® from BMO

Apply Now

on BMO's website

Welcome Offer: Get 950 AIR MILES Bonus Miles!* That’s enough for $100 towards purchases with AIR MILES Cash. Get 5x the Miles at Shell until December 31, 2020.

Earn Rate: Always get 2x the miles at participating AIR MILES Partners (2 Miles for every $20 spent). 1 Mile for every $20 in card purchases everywhere else

Annual Fee: $0

Min. Income Required $15,000

BMO Shell Cashback Mastercard®

Apply Now

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®*

Apply Now

on BMO's website

Welcome Offer: Get 950 AIR MILES Bonus Miles! That’s enough for $100 towards purchases with AIR MILES Cash.

Earn Rate: Get 5x the Miles at Shell until December 31, 2020. Get 2x Miles for every $20 spent at Sobeys or any participating Air Miles partners. Get 1 Mile for every $20 spent everywhere else.

Annual Fee: $0

Min. Income Required $15,000

BMO® Preferred Rate MasterCard®*

bmo preferred rate mastercard

Apply Now

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

Apply Now

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

Apply Now

on BMO's website

Welcome Offer: Get 950 AIR MILES Bonus Miles!* That’s enough for $100 towards purchases with AIR MILES Cash.

Earn Rate: Get 5x the Miles at Shell until December 31, 2020. 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: None

US Dollars

BMO® U.S. Dollar MasterCard®*

Apply Now

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

Apply Now

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®*

Apply Now

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®*

Apply Now

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. Get 5x the Miles at Shell until December 31, 2020. Use any BMO AIR MILES credit card with your AIR MILES Collector Card when you pay for gas or shop in store.

Annual Fee: $120

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

Apply Now

on BMO's website

Welcome Offer: 1,000 Bonus Air Miles

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®*

Apply Now

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

Do you live in Canada?

Get updates on the best new products and offers for Canadians.