Looking for the best BMO Rewards Credit Cards in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.
Compare the 5 cards in our selection below. Interested in a card? Click Read review to read our full analysis.
- Annual fee
- $120
- Our valuation
- $500Milesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 50,000 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Ends Nov 1, 2026
on Scotiabank's website
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 | |||
| $0 | |||
| $0 | |||
| $599 |
The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.
It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.
With the BMO eclipse Visa Infinite* Card, you also get:
- 5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
- 1 BMO Rewards point for every dollar spent on all other purchases*
- 10% more points when you add an authorized user to your account*
- Mobile device insurance offering coverage up to $1,000*
- The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
- Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*
- Annual fee
- $0 $120No annual fee the first year
- Our valuation
- $589Milesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 70,000 points
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
on BMO's website
The BMO Ascend World Elite Mastercard is one of the best World Elite Mastercard travel rewards credit cards in Canada. With our welcome offer, you can get up to 100,000 BMO Rewards points, for a total value of up to $1,600.
Plus, there’s no annual fee in the first year for the primary cardholder and additional cardholders, and you benefit from a 0% introductory interest rate on balance transfers for 12 months (with a 2% balance transfer fee).
With the BMO Ascend World Elite Mastercard, you get:
- 5 points per dollar on eligible travel*
- 3 points per dollar on eligible dining, entertainment, and recurring bill payments*
- 1 point per dollar on all other purchases*
The card also offers:
- 4 complimentary airport lounge accesses per year via Mastercard Travel Pass provided by DragonPass*
- comprehensive travel insurance, including emergency medical coverage up to $5 million for 21 days*
- A NEXUS statement credit in the first year*
- Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*
- Annual fee
- $0 $150No annual fee the first year
- Our valuation
- $820Milesopedia first-year estimate First-year valueWelcome bonus$670Annual fee rebated$150Total$820Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 100,000 points
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$670Annual fee rebated$150Total$820Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
on BMO's website
The BMO Ascend World Elite Business Mastercard is one of the best travel points-based Business Mastercard® credit cards in Canada. You can earn up to 100,000 points as a welcome bonus:
- 20,000 points on your first purchase within 75 days of account opening;
- 8,000 points per month when you spend at least $3,000 per monthly period, from the 3rd to the 12th month following account opening (for a total of 80,000 points).
Plus, there’s no annual fee for the first year! And you get 2 free annual visits to DragonPass airport lounges.
You can also benefit from a welcome interest rate of 0% on balance transfers for nine months (a 3% transfer fee applies).
With the BMO Ascend World Elite®* Business Mastercard, you earn 4 points for every dollar spent on:
- gas purchases
- office supplies
- cell phone/internet payments
And 1.5 points for every dollar you spend, including at Costco or for significant purchases at home improvement stores.
You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.
Additionally, you can combine the points earned with the two other BMO Rewards cards to save even more on your travel.
With the BMO Rewards® World Elite®* Business Mastercard® for Business, you benefit from various travel protections:
- Collision Damage Waiver Insurance
- Personal and Business Effects in a Rental Vehicle
- Accidental Death or Dismemberment in a Rental Vehicle
- Baggage and Personal Effects
- Baggage insurance in case of delay
- Flight Cancellation
- Trip Interruption or Delay
- Flight delay
- Common Carrier Accident
And for your purchases :
- Extended Warranty
- Purchase Protection
- Annual fee
- $0 $149No annual fee the first year
- Our valuation
- $819Milesopedia first-year estimate First-year valueWelcome bonus$670Annual fee rebated$149Total$819Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 100,000 points
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$670Annual fee rebated$149Total$819Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
on BMO's website
The new BMO eclipse rise Visa* Card is a no-annual-fee credit card with travel points, requiring no minimum income.
With this offer, you can earn up to 25,000 points as a welcome bonus:
- 20,000 points after $1,500 in purchases in the first 3 months
- 2,500 points when you redeem 12,000 points with the Pay with Points option over a 12-month period
- 2,500 points when you pay the balance on time for 12 months
What’s more, you can benefit from an interest rate of 0.99% on balance transfers for nine months (a 2% balance transfer fee applies).
With the new BMO eclipse rise Visa* Card, you earn :
- 5 points for every two dollars spent on recurring bill payments
- 5 points for every two dollars spent at the grocery store
- 5 points for every two dollars spent at restaurant and for takeaway
- 1 point per two dollars of purchases for all other purchase categories
You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.
The new BMO eclipse rise Visa* Card also offers:
- Mobile Device Insurance
- Purchase Protection
- Extended warranty insurance
Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.
- Annual fee
- $0
- Our valuation
- $168Milesopedia first-year estimate First-year valueWelcome bonus$168Total$168Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 25,000 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$168Total$168Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
on BMO's website
The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! By applying for this card, you can earn up to 200,000 BMO Rewards points:
- 80,000 points after $6,000 in purchases within the first 110 days of account opening
- 40,000 points after $40,000 in purchases within the first 180 days of account opening
- 80,000 points after $75,000 in purchases within the first 365 days of account opening
Additionally, you benefit from a 0% welcome interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.
Plus, you’ll receivea $200 anniversary credit to use as you wish!
As well as a membership to the Visa Airport Companion program with six complimentary visits per year to airport lounges.
With this Card, you can earn 5 BMO Rewards points per dollar spent on:
- Groceries
- Gas
- Drugstores
- Travel
- restaurants and bars
- Food delivery
And 1 BMO Rewards point per dollar spent everywhere else.
You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.
Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.
- Annual fee
- $599
- Our valuation
- $1,340Milesopedia first-year estimate First-year valueWelcome bonus$1,340Total$1,340Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 200,000 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,340Total$1,340Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Ends Oct 31, 2026
on BMO's website
Compare the terms specific to this selection
For BMO Rewards, compare fees, eligible transactions and the benefits you need. Where rewards points are offered, check redemption options, transfer possibilities and program conditions.
Assess costs beyond the welcome offer
When choosing a credit card in this category, distinguish temporary incentives from ongoing terms. Compare annual fees, transaction charges and benefit requirements.
Use the table for an initial comparison. Read the review of the card that interests you, then the issuer’s terms before applying.
Frequently asked questions — BMO Rewards
How do I compare cards in BMO Rewards?
Compare each offer using the same budget and spending needs. Then review detailed terms to check limits, exclusions and the benefits you can actually use.
How should I choose from the BMO Rewards selection?
Start with your spending and priorities, then compare fees and benefits relevant to your situation. The ranking helps identify options; the best choice can differ from person to person.
Can terms change after publication?
Yes. Offers, fees and eligibility requirements can change. Before applying, check the issuer’s terms linked from the application button, including dates and exclusions.
