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
Welcome Offer: 2,000 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 Shell AIR MILES World Mastercard
Welcome Offer: No welcome offer with this card. Just a really high earn rate.
Earn Rate: 1.25 Miles for every $1 spent at Shell locations in Canada. 1 Mile for every $15 spent everywhere else.
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 Shell CashBack World Mastercard
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 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: $15,000
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: 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: $15,000
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 $15,000
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: $0
Min. Income Required $15,000
BMO Shell Cashback Mastercard
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: 800 AIR MILES Bonus Miles.
Earn Rate: 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
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 $15,000
Student Cards
BMO No-Fee Cashback Mastercard For Students
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 No-Fee Air Miles Mastercard For Students
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: 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 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
Business Credit Cards
BMO Rewards Business Mastercard
Welcome Offer: Get 35,000 points (after you spend $5,000 in the first 3 months) + first year’s annual fee waived.
Interest Rate: 14.99% Purchases, 22.99% Cash Advances
Earn Rate: Earn 3 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments. 1.5 BMO Rewards points everywhere else.
Annual Fee: $120
BMO Air Miles Business Mastercard
Welcome Offer: 3,000 Bonus Air Miles + the first year’s annual fee waived
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: 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
Welcome Offer: Get 6% cash back on gas, office supplies and cell phone/internet bills for 4 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