Best BMO Credit Cards in Canada - September 2026

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*

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*

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.

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.

With this offer for the BMO VIPorter World Elite Mastercard, you get up to 70,000 VIPorter points and a round-trip companion pass. Plus, you pay no annual fees for the first year and receive $1,000 in eligible spending towards your VIPorter status.

Here’s how to get your full welcome bonus:

• 20,000 points after $5,000 in purchases within the first 110 days of account opening
• 20,000 points, a round-trip companion pass, and $1,000 in eligible spending towards your VIPorter status after $9,000 in purchases within the first 180 days of account opening
• 30,000 points after $18,000 in purchases within the first 365 days of account opening

So, to get the full welcome bonus of 70,000 VIPorter points, you’ll need to spend $18,000 in the first year.

With the BMO VIPorter World Elite Mastercard, you earn 3 points per dollar at Porter and 2 points per dollar on gas, transportation, grocery, restaurant and hotel purchases. And 1 point per dollar on all other purchases, including Costco.

With the BMO VIPorter World Elite Mastercard, you and up to 8 companions travelling on the same booking enjoy Porter travel benefits such as:

• On free checked bag
• 1 complimentary carry-on bag on all Porter fare types
• Free PorterClassic seat selection
• Priority security screening.
• Priority rebooking on another flight in case of a delay
• Exclusive check-in.
• Early boarding

Additionally, as a BMO VIPorter World Elite Mastercard holder, your VIPorter points do not expire, and you automatically receive VIPorter Horizon Grand Traveller status. You also earn $1 in eligible spending towards your Porter status for every $25 spent.

You can also earn one round-trip companion pass per year if you spend $50,000 on your BMO VIPorter World Elite Mastercard during your membership year.

Finally, you are covered by a wide range of insurance policies:

• 21-day out-of-province or country emergency medical insurance
• Trip Cancellation/Interruption/Delay insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary insurance
• Purchase Protection
• Extended warranty insurance

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

With this offer for the BMO VIPorter Mastercard, you’ll earn up to 40,000 VIPorter points and a 35% off flight voucher. Plus, you pay no annual fee for the first year.

Here’s how to get your full welcome bonus:

• 10,000 points after $3,000 in purchases within the first 110 days of account opening
• 15,000 points and a 35% off flight voucher after $6,000 in purchases within the first 180 days of account opening
• 15,000 points after $10,000 in purchases within the first 365 days of account opening

So, to get the full welcome bonus of 40,000 VIPorter points, you’ll need to spend $10,000 in the first year.

With the BMO VIPorter Mastercard, you earn 2 points per dollar at Porter and 1 point per dollar on gas, transportation, grocery, restaurant and hotel purchases. And 0.5 points per dollar on all other purchases, including Costco.

With the BMO VIPorter Mastercard, you and up to 8 companions travelling on the same booking enjoy Porter travel benefits such as:

• Priority rebooking on another flight in case of a delay
• Exclusive check-in.
• Early boarding

Additionally, as a BMO VIPorter Mastercard holder, your VIPorter points do not expire and you automatically receive VIPorter Passport Grand Traveller status. You also earn $1 in eligible spending towards your Porter status for every $25 spent.

Finally, you are covered by a wide range of insurance policies:

• 8-day out-of-province or country emergency medical insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary 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.

BMO CashBack^® World Elite^®* Mastercard^®* is one of Canada’s best cash back Mastercard credit cards.

Right now, you can get up to $650 in value, including $40 cash back each month in your first year. Plus, you won’t have to pay the $139 annual fee in the first year.

Additionally, you benefit from a 0% introductory interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

With the BMO CashBack^® World Elite^®* Mastercard^®*, you get great cash back rates in the categories that matter 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*
• 1% cash back on all other purchases, with no limit on the amount of cash back you can earn*

You also enjoy practical benefits like free membership in Mastercard Travel Pass provided by DragonPass, free roadside assistance services, discounts on car rentals with National, Alamo and Enterprise, as well as comprehensive travel and purchase insurance coverage.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

The BMO CashBack Mastercard is a no-annual-fee, cash-back credit card. With the BMO CashBack Mastercard, you can earn 5% cash back for the first three months. This represents a maximum welcome bonus of $125 :

• 5% cash back on up to $500 in eligible grocery purchases, for a $25 bonus
• 5% cash back on up to $500 in eligible recurring bill payments, for a $25 bonus
• 5% cash back on up to $1,500 in all other eligible purchases, for a $75 bonus

Then you get a cash back rate of:

• 3% cash back on grocery purchases, including at Walmart Supercenters
• 1% cash back on recurring bill payments

You can also get a 0.99% welcome interest rate on balance transfers for nine months.

Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.

The BMO^MD Preferred Rate Mastercard^MD* is an excellent option for those who want to reduce interest charges or pay off a balance faster.

With this offer, you get a 0% introductory interest rate on balance transfers for 18 months, with a 2% transfer fee and no annual fee for the first year.

The card also offers one of BMO’s lowest interest rates, at 13.99% on purchases, which may be appealing if you occasionally carry a balance on your card.

With the BMO^MD Preferred Rate Mastercard^MD*, you also get:

• Extended warranty insurance and purchase protection insurance*
• The option to add another cardholder for free*
• Zero Liability Protection, which protects you against unauthorized transactions*
• A card accepted at more than 30 million merchants worldwide*
• Three months of Instacart+ membership plus a $5 monthly Instacart credit with an eligible card*

With this offer for the BMO Blue Rewards World Elite Mastercard, you can get up to $1,600 in value. In addition, you pay no annual fee in the first year.

Here’s how to get your full welcome offer:

• 45,000 points after $5,000 in purchases within the first 110 days after account opening
• 20,000 points after $10,000 in purchases within the first 180 days after account opening
• 35,000 points after $20,000 in purchases within the first 365 days after account opening

So, to get your full welcome offer, you’ll need to spend $20,000 in the first year.

With the BMO Blue Rewards World Elite Mastercard, you earn 10 points per dollar at participating Blue Rewards partners and 2 Points for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchase (including Costco). And 1 point per dollar for all other purchases. The 10-point rate applies on up to $25,000 in net purchases per calendar year at partners, and the 2-point rate on up to $500 per category, per statement cycle.

You can also take advantage of a 0% introductory interest rate on balance transfers for 12 months, with a 2% balance transfer fee.

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 of up to $5 million for 15 days*

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.