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2021’s Best BMO Credit Cards – Bank of Montreal

The Best BMO credit card to earn rewards every day

BMO eclipse Visa Infinite* Card

By applying for the New BMO eclipse Visa Infinite* Card, you can get up to 40,000 BMO Rewards points and the $120 annual fee waived in the first year.

  • 25,000 points after you spend a minimum of $3,000 within the first three months
  • 15,000 points twelve months after the Credit Card account open date

You will also receive a $50 statement credit each calendar year to spend however you want.

With the New BMO eclipse Visa Infinite* Card, you can earn 5x the BMO Rewards points for every $1 spent on:

  • Groceries
  • Dining
  • Food delivery
  • Gas
  • Transit

And 1 BMO Rewards point for every $1 spent on everything else.

Plus, if you add an authorized user to your account, you’ll earn 10% more points.

Regarding insurance, the New BMO eclipse Visa Infinite* Card includes:

  • Travel Emergency Medical Insurance
  • Rental Car Collision Loss/Damage Insurance
  • Travel Accident Insurance
  • Mobile device insurance
  • Purchase security insurance
  • Extended warranty

To apply for the new BMO eclipse Visa Infinite* Card, you must have a minimum $60,000 (individual) or $100,000 (household) annual income.

The Best BMO AIR MILES credit cards

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

With this exclusive offer for the BMO® AIR MILES® World Elite®* Mastercard®*, you can earn 3,000 AIR MILES Bonus Miles after $3,000 in Card purchases, representing a $310 cash value. Besides, the $120 annual fee is waived in the first year!

With this card, you earn 3 miles for every $12 spent at participating AIR MILES Partners.

Everywhere else, you’ll earn 1 Mile for every $12 spent, including at Costco and Walmart.

And it’s the only AIR MILES credit card in Canada to offer a 15% discount on AIR MILES flights within North America with no blackout periods.

The BMO® AIR MILES® World Elite®* Mastercard®* card also offers:

  • Premium insurance for your travels or purchases
  • Double the miles for car rentals with National or Alamo
  • Concierge services

BMO® AIR MILES® MasterCard®

With this exclusive offer for the BMO® AIR MILES® Mastercard®*, you earn 1,500 AIR MILES Bonus Miles after $1,000 in Card purchases, representing a $150 cash value. Besides, it’s a no-annual-fee credit card.

With the BMO® AIR MILES® Mastercard®*, you get 3x the Miles for every $25 spent at participating AIR MILES Partners. And 1 mile for every $25 you spend, Costco included.

And until May 31, 2021, you earn 5x AIR MILES Reward Miles on groceries at Sobeys, Safeway, Foodland & Participating Co-op’s, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry.

You can also get a 1.99% introductory interest rate on Balance Transfers for 9 months (1% fee applies to balance amounts transferred).

The Best BMO cash back credit cards

BMO® CashBack® World Elite®* Mastercard®*

The BMO® CashBack® World Elite®* Mastercard®* is one of the best Cash Back Mastercard in Canada.

Currently, you will get 10% cash back on all your purchases during the first 3 months for a limited time. Besides, the $120 annual fee is waived in the first year!

With the BMO® CashBack® World Elite®* Mastercard®*, you earn between 2% and 5% cash back on many spending categories:

  • 5% on grocery purchases (on the first $500 you spend monthly)
  • 4% on transit (on the first $300 you spend monthly)
  • 3% on gas and electric vehicle charging (on the first $300 you spend monthly)
  • 2% on recurring bill payments (on the first $500 you spend monthly)

Everywhere else, you’ll earn 1% cash back, including at Costco.

BMO® CashBack® Mastercard®*

The BMO® CashBack® Mastercard®* is a cash back credit card with no annual fee.

With the BMO® CashBack® Mastercard®*, you can earn 5% cash back for the first 3 months. It’s a maximum welcome bonus of $100.

Then you get:

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

Finally, you can also get a 1.99% introductory interest rate on Balance Transfers for 9 months.

The Best BMO credit card for travel points

BMO® World Elite®* Mastercard®*

The BMO® World Elite®* Mastercard®* is one of the best Mastercard credit cards with travel points in Canada.

You can earn a welcome bonus of 30,000 points, which is a $210 value in travel rewards:

  • 25,000 points after $3,000 in Card purchases within the first 3 months
  • 5,000 points on your first anniversary (12 months after the account opening date)

Besides, the $120 annual fee is waived in the first year!

With the BMO World Elite Mastercard, you get 3 points for every dollar spent on:

  • Travel
  • Dining
  • Entertainment

And 2 points for every dollar you spend, Costco included!

You can redeem your BMO Rewards points on travel booked on the BMO Rewards website (flights, hotels, rental cars, all-inclusive).

The BMO® World Elite®* Mastercard®* also comes with:

  • 4 complimentary passes to airport VIP lounges
  • Premium insurance for your travels or purchases
  • Concierge services

Finally, you can combine the points you get with the two other BMO Rewards cards to save even more on your travels!

The Best no annual fee BMO credit card

BMO® Rewards® Mastercard®*

The BMO® Rewards® Mastercard®* is one of the best no-fee credit cards in Canada.

For a limited time, you can earn 10,000 points as a welcome bonus.

And you can also get a 1.99% introductory interest rate on Balance Transfers for 9 months.

The Best BMO credit cards for shopping at Costco

Like many Mastercard credit cards, BMO credit cards are accepted at Costco.

The three best BMO credit cards for shopping at Costco are:

You can choose to earn AIR MILES rewards miles, cash back or travel points!

BMO® IGA AIR MILES®† Mastercard®*

With this offer for the BMO® IGA AIR MILES®† Mastercard®*, you earn 800 AIR MILES Bonus Miles after $1,000 in Card purchases, representing an $80 cash value.

Besides, it’s a no-annual-fee credit card.

With the BMO® IGA AIR MILES®† Mastercard®*, you get 3x the Miles for every $25 spent at participating AIR MILES Partners. Including IGA. And 1 mile for every $25 you spend, Costco included.

And until May 31, 2021, you earn 5x AIR MILES Reward Miles on groceries at Sobeys, Safeway, Foodland & Participating Co-op’s, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry.

BMO® Sobeys AIR MILES® Mastercard®*

With this offer for the BMO® Sobeys AIR MILES® Mastercard®*, you earn 800 AIR MILES Bonus Miles after $1,000 in Card purchases, representing an $80 cash value.

Besides, it’s a no-annual-fee credit card.

With the BMO® Sobeys AIR MILES® Mastercard®*, you get 3x the Miles for every $25 spent at participating AIR MILES Partners. Including Sobeys. And 1 mile for every $25 you spend, Costco included.

And until May 31, 2021, you earn 5x AIR MILES Reward Miles on groceries at Sobeys, Safeway, Foodland & Participating Co-op’s, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry.

Shell AIR MILES® Mastercard

With this offer for the Shell AIR MILES® Mastercard, you earn 800 AIR MILES Bonus Miles after $1,000 in Card purchases, representing an $80 cash value.

Besides, it’s a no-annual-fee credit card.

With the Shell AIR MILES® Mastercard, you get 3x the Miles for every $25 spent at participating AIR MILES Partners. Including Shell. And 1 mile for every $25 you spend, Costco included.

And until May 31, 2021, you earn 5x AIR MILES Reward Miles on groceries at Sobeys, Safeway, Foodland & Participating Co-op’s, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry.

Shell CashBack Mastercard from BMO

With this offer for the Shell CashBack Mastercard, you earn a $50 cash back after the first purchase and 1% cash back for the first 6 months on all your purchases.

Besides, it’s a no-annual-fee credit card.

With the Shell CashBack Mastercard, you earn 1.5% cash back rewards on every dollar you spend at Shell locations in Canada

The Best BMO student credit card

BMO® CashBack® Mastercard®* for students

The BMO® CashBack® Mastercard®* for students is perfect for students. You can get 5% cash back in the first three months.

Also, this card comes with 90 days of protection for your purchases and an extended warranty of one year!

BMO eclipse Visa Infinite Privilege* Card

The new BMO eclipse Visa Infinite Privilege* Card is a high-end metal card.

By applying for this card, you can get up to 50,000 BMO Rewards points:

  • 35,000 points after you spend a minimum of $5,000 within the first three months
  • 15,000 points twelve months after the Credit Card account open date

You will also receive a $200 statement credit each calendar year to spend however you want.

As well as a Priority Pass membership with 6 airport lounge visits per year.

With this card , you can earn 5 BMO Rewards points for every $1 in purchases:

  • Groceries
  • Gas
  • Drugstores
  • Travel purchases
  • Dining
  • Food delivery

And 1 BMO Rewards point for every $1 spent on everything else.

The Best BMO credit cards for Small Business

BMO Rewards® Business Mastercard®*

The BMO Rewards® Business Mastercard®* is one of the best Business Mastercard credit cards with travel points in Canada.

You can earn a welcome bonus of 50,000 points after $5,000 in Card purchases. Besides, the $120 annual fee is waived in the first year!

With the BMO Rewards® Business Mastercard®*, you get 3 points for every dollar you spend on:

  • gas
  • office supplies
  • cell phone/internet payments

And 1.5 points for every dollar you spend, Costco included!

You can redeem your BMO Rewards points on travel booked on the BMO Rewards website (flights, hotels, rental cars, all-inclusive).

Finally, you can combine the points you get with the two other BMO Rewards cards to save even more on your travels!

With the BMO Rewards® Business Mastercard®*, you are eligible to benefit from the following insurance benefits for your travels:

  • Collision Damage Waiver
  • Car Rental Personal Effects & Business Property
  • Car Rental Accidental Death & Dismemberment
  • Baggage & Personal Effects
  • Baggage insurance in case of delay
  • Trip Cancellation Insurance
  • Trip Interruption/Trip Delay
  • Departure flight delay insurance
  • Common Carrier Insurance

And for your purchases:

  • Extended Warranty
  • Purchase Protection

BMO® AIR MILES® Business Mastercard®*

The BMO® AIR MILES® Business Mastercard®* is particularly attractive for AIR MILES collectors who want to split personal and business expenses.

You can get a welcome bonus of 3,000 AIR MILES Bonus Miles after $5,000 in card purchases ($310 value). In addition, the $120 annual fee is waived in the first year!

You earn 1 AIR MILES Reward Mile on every $10 you spend, Costco included. And 1.25X the Miles at Shell.

With the BMO® AIR MILES® Business Mastercard®*, you are eligible to benefit from the following insurance benefits for your travels:

  • Collision Damage Waiver
  • Car Rental Personal Effects & Business Property
  • Car Rental Accidental Death & Dismemberment
  • Baggage & Personal Effects
  • Baggage insurance in case of delay
  • Trip Cancellation Insurance
  • Trip Interruption/Trip Delay
  • Departure flight delay insurance
  • Common Carrier Insurance

And for your purchases:

  • Extended Warranty
  • Purchase Protection

BMO® AIR MILES® No-Fee Business® Mastercard®*

The BMO® AIR MILES® No-Fee Business® Mastercard®* is the only no-fee Business Mastercard for AIR MILES collectors.

For a limited time, you can earn a Welcome Bonus of 1,000 AIR MILES after $2,500 in Card purchases, a value of $105.

You earn 1 AIR MILES Reward Mile on every $20 you spend, including at Costco. And 1.25X the Miles at Shell.

BMO CashBack® Business Mastercard®*

The BMO CashBack® Business Mastercard®* is one of the best Business Mastercard credit cards for cash back in Canada.

You can get 10% cash back for three months on:

  • gas
  • office supplies
  • cell phone/internet payments

After that, you’ll get 1.5% on these purchases and 1.75% at Shell.

More Offers from BMO

You may be interested in these BMO credit cards offers:

Frequent Asked Questions about BMO credit cards

Here are some frequently asked questions in the milesopedia community about BMO credit cards in Canada.