Best BMO Credit Cards

Best For Lifestyle & Travel

BMO eclipse Visa Infinite* Card

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on BMO's website

Welcome Offer: Welcome offer: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year - that's a $570 value in your 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

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BMO eclipse Visa Infinite Privilege* Card

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on BMO's website

Welcome Offer: Get up to 90,000 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 Ascend™ World Elite™* Mastercard®*

BMO World Elite Mastercard

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on BMO's website

Welcome Offer: Get up to 60,000 points and the annual fees waived in the first year for the primary and authorized users*. Get complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.

Earn Rate: 5x the points for every $1 spent on eligible travel purchases,* 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,* 1 point for every $1 spent everywhere else.

Annual Fee: $150

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

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

BMO® AIR MILES®† World Elite® Mastercard®

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on BMO's website

Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year*.

Earn Rate: Get 3x the Miles for every $12 spent at participating AIR MILES Reward Partners* Get 1 Mile for every $12 in credit card purchases.*

Annual Fee: $120

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

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)

Earn Rate: Earn more cash back on the categories that mean the most: - 5% on groceries* - 4% on transit including ride sharing, taxis and public transportation* - 3% on gas and electric vehicle charging* - 2% on recurring bill payments like your monthly phone bill or favorite streaming service*

Annual Fee: $120

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

Balance Transfers: 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.‡

Earn Rate: Get 1% cash back on all purchases.

Annual Fee: $0

Min. Income Required: No minimum required.

BMO Rewards® Mastercard

bmo rewards mastercard

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on BMO's website

Welcome Offer: Get 10,000 points when you spend $1,000 in the first 3 months.*

Balance Transfers: Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.†

Earn Rate: get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!

Annual Fee: $0

Min. Income Required: No minimum required.

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BMO AIR MILES®† Mastercard®*

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 and 2x the Miles for every $25 spent at any eligible grocery store*.
  • Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred*

Annual Fee: $0

Min. Income Required: No minimum required.

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BMO Preferred Rate MasterCard®*

bmo preferred rate mastercard

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on BMO's website

Welcome Offer: Get a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee and we'll waive the $20 annual fee for the first year*

Interest Rate: Purchases: 12.99%, Balance transfers and access cheques: 12.99%, Cash advances: 15.99%

Annual Fee: $20

Min. Income Required No minimum required.

Student Cards

BMO CashBack® MasterCard®*(Student)

bmo cashback mastercard

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on BMO's website

Welcome Offer: Get 5% cash back in your first 3 months*

Earn Rate: Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*

Annual Fee: $0

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

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® 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. 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®*

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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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