Best BMO Credit Cards

Best For Rewards & Travel

BMO World Elite Mastercard

BMO World Elite Mastercard

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on BMO’s website

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

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BMO AIR MILES World Elite Mastercard

BMO® AIR MILES®† World Elite® Mastercard®

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on BMO’s website

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

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BMO Shell AIR MILES World Mastercard

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on BMO’s website

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

BMO CashBack World Elite Mastercard

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on BMO’s website

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

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BMO Shell CashBack World Mastercard

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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

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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.

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

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BMO Rewards Mastercard

bmo rewards mastercard

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on BMO’s website

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: $15,000

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BMO Air Miles Mastercard

bmo air miles mastercard

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on BMO’s website

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

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BMO IGA Air Miles Mastercard

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on BMO’s website

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

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BMO Shell Air Miles Mastercard

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on BMO’s website

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

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BMO Shell Cashback Mastercard

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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: 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

bmo preferred rate mastercard

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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 $15,000

Student Cards

BMO No-Fee Cashback Mastercard For Students

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 No-Fee Air Miles Mastercard For Students

bmo air miles mastercard

Apply Now

on BMO’s website

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

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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 Reloadable Prepaid Travel Mastercard

bmo prepaid travel mastercard

Apply Now

on BMO’s website

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

Apply Now

on BMO’s website

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

Apply Now

on BMO’s website

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

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 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

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