The Best BMO Credit Cards – April 2025

BMO CashBack Mastercard credit cards

BMO CashBack^® World Elite^®* Mastercard^®*

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

Right now, for a limited time, you’ll get up to 10% cash back for the first 3 months, for a maximum return of $260 on $2,600 in purchases.

You’ll also receive an additional $75 bonus if you spend at least $25,000 in the first year.

Plus, there is no annual fee for the first year!

With BMO CashBack® World Elite®* Mastercard®*, you get between 2% and 5% cash back on many categories of purchases:

• 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.

Finally, it is one of the only credit cards in its category to offer an extended warranty of 2 additional years.

BMO^® CashBack^® Mastercard^®*

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. 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 0.99% introductory rate on balance transfers for nine months.

BMO VIPorter Mastercard credit cards

BMO VIPorter World Elite Mastercard

With this offer for the BMO VIPorter World Elite Mastercard, you’ll earn up to 70,000 VIPorter points and a round-trip companion pass. Moreover, you pay no annual fee for the first year and receive $1,000 in eligible expenses for 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 VIPorter spending 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:

• 1 complimentary checked bag
• 1 complimentary carry-on bag on all Porter fare types
• Free PorterClassic seat selection
• Priority security
• Priority re-accommodation for flight delays
• Dedicated check-in
• Early boarding

Also, as a BMO VIPorter World Elite Mastercard cardholder, your VIPorter points never expire, and you automatically earn VIPorter Venture Avid Traveller Elite Status. And you’ll earn $1 of Avid Traveller Qualifying Spend for every $25 in eligible credit card spend.

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

BMO VIPorter Mastercard

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 re-accommodation for flight delays
• Dedicated check-in
• Early boarding

Also, as a BMO VIPorter Mastercard cardholder, your VIPorter points don’t expire, and you automatically have VIPorter Passport Avid Traveller Elite Status. And you’ll earn $1 of Avid Traveller Qualifying Spend for every $25 in eligible credit card spend.

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

BMO Rewards Credit Cards

BMO eclipse Visa Infinite* Card

When you sign up for our exclusive offer on the BMO eclipse Visa Infinite* Card, you can earn up to 70,000 BMO Rewards points as well as a $120 annual fee waiver for the first year:

• 40,000 points after $3,000 in purchases in the first three months
• 2,500 points each month after $2,000 in purchases, from month 4 to month 15 (for a total of 30,000 points)

Moreover, you’ll receive a $50 anniversary credit to use as you wish!

With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar spent on:

• Groceries
• restaurants, bars
• Food delivery
• Gas
• local transport

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.

You can use BMO Rewards points for all travel purchases made through theagency or website of your choice (airline tickets, hotels, car rentals, all-inclusives, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

BMO Ascend™ World Elite^®* Mastercard^®*

The BMO Ascend World Elite Mastercard is one of the best World Elite Mastercard credit cards with travel points in Canada. With our exclusive offer, you can get up to 100,000 bonus points:

• 55,000 points after $4,500 in Card purchases in the first 3 months
• 3,750 points per month after $2,500 in monthly purchases from the 4th to the 15th month (up to 45,000 points)

Plus, the annual fee is waived in the first year for both the primary cardholder and authorized users.

With the BMO Ascend World Elite Mastercard, a premium credit card from BMO, you get:

• 5 points per dollar on travel purchases
• 3 points per dollar on dining purchases
• 3 points per dollar for entertainment purchases
• 3 points per dollar on recurring bill payments

And 1 point for every $1 spent everywhere else, including at Costco. You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (flights, hotels, car rentals, all-inclusive resorts, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

The BMO Ascend World Elite Mastercard also offers:

• Four annual complimentary passes to airport VIP lounges
• Excellent Premium insurance for your travels or purchases
• a premium concierge service

BMO eclipse Visa Infinite Privilege* Card

The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! With this card, you can earn up to 120,000 BMO Rewards points:

• 50,000 points when you spend $6,000 in the first 3 months
• 30,000 points after $30,000 in card purchases in the first six months
• 40,000 points at annual card renewal if you have made $75,000 in card purchases in the first 12 months

Plus, you’ll receivea $200 anniversary credit to use as you wish!

As well as a Visa Airport Companion membership with 6 complimentary airport lounge visits per year.

With this Card, you earn 5 BMO Rewards points per dollar of purchases for:

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

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

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (flights, hotels, car rentals, all-inclusive resorts, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

BMO eclipse rise Visa* 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 theagency or website of your choice (airline tickets, hotels, car rentals, all-inclusives, 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

BMO AIR MILES Credit Cards

BMO AIR MILES World Elite Mastercard

With this exclusive offer for the BMO AIR MILES World Elite Mastercard, earn up to 7,000 bonus AIR MILES:

• 3,000 miles after $4,500 in purchases in the first 110 days
• 2,000 additional miles after $10,000 in total purchases (including the $4,500 from the previous condition) within 180 days
• 2,000 additional miles after $20,000 in total purchases (including all expenses under the previous conditions) in the first year

What’s more, you pay no annual fee for the first year. This is the highest offer ever seen for this card! Plus, save up to 32¢/L at Shell for a limited time only!

With this card, you earn 3 miles for every $12 spent at participating AIR MILES Partners. Then, earn 2 miles for every $12 in purchases at any eligible grocery store and wholesale club (warehouse like Costco) or alcohol retailer (SAQ, LCBO, etc.). Everywhere else, you’ll earn 1 AIR MILES mile for every $12 in purchases, including Walmart.

What’s more, it’s the only AIR MILES credit card in Canada to offer a 25% discount on AIR MILES flights to any destination during the calendar year.

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

• 7 ¢/L discount on Shell V-Power fuel and 2 ¢/L discount on all other Shell fuels
• Excellent insurance for your travels and purchases
• 2X miles for car rentals with National or Alamo

BMO AIR MILES^®† Mastercard^®*

With this exclusive offer for the BMO AIR MILES Mastercard, earn 1,600 AIR MILES miles after $1,500 in purchases within the first 110 days of account opening. That’s a $160 cash value. Plus, save up to 32¢/L at Shell for a limited time only!

This credit card has no annual fee.

With the BMO® AIR MILES® Mastercard®*, you get 3x the Miles for every $25 spent at participating AIR MILES Partners.

Plus, you earn 2X miles for every $25 you spend at any eligible grocery store, wholesale club (warehouse like Costco) and liquor retailer*.

For everything else, you earn 1 AIR MILES for every $25 in purchases.

Students

BMO^® CashBack^® Mastercard^®* for students

The BMO CashBack Mastercard for students is ideal 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 AIR MILES^® Mastercard^® for Students

With this offer for the BMO® AIR MILES® Mastercard® for Students, you earn 800 AIR MILES miles after $1,000 in purchases. Besides, it’s a no-annual-fee credit card.

With this Card, you earn 3X miles for every $25 in purchases at participating AIR MILES Partners. And 1 mile for every $25 you spend, Costco included.

BMO eclipse rise Visa* 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 theagency or website of your choice (airline tickets, hotels, car rentals, all-inclusives, 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

Costco

BMO Business Credit Cards

BMO AIR MILES World Elite Business Mastercard

The BMO AIR MILES® World Elite Business Mastercard particularly rewards AIR MILES collectors who wish to separate their personal and business spending.

You can earn 3,000 AIR MILES Bonus Miles in your first year! In addition, there is no annual fee for the first year.

You earn 4x the Miles when you use your card at participating AIR MILES Partners. And 1 Mile for every $12 you spend everywhere else, including Costco.

With the BMO AIR MILES®† World Elite®* Business Mastercard, you benefit from various travel protections:

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

And for your purchases:

• Extended Warranty
• Purchase Protection

BMO World Elite^®* Business Mastercard^®*

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 theagency or website of your choice (airline tickets, hotels, car rentals, all-inclusives, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

You can also combine the points you earn with the other two BMO Rewards cards to save even more on your travels.

With the BMO Rewards® World Elite®* Business Mastercard® for Business, you benefit from various travel protections:

• Collision Damage Waiver
• Car Rental Personal Effects & Business Property
• Car Rental Accidental Death & Dismemberment
• Baggage & Personal Effects
• Baggage insurance in case of delay
• Flight Cancellation
• Trip Interruption/Trip Delay
• Flight delay
• 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 AIR MILES Mastercard for Business credit card with no annual fee.

For a limited time, you can earn 1,000 AIR MILES Bonus Miles!

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 Mastercard for Business is one of the best cashback Mastercard credit cards in Canada.

You can get a 10% discount for three months on purchases:

• gas purchases
• office supplies
• cell phone/internet payments

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

You can also benefit from a welcome interest rate of 0% on balance transfers for nine months (a 3% transfer fee applies).

BMO Credit Cards for Balance Transfer

BMO^® Preferred Rate Mastercard^®*

The BMO Preferred Rate Mastercard is a Bank of Montreal credit card that offers a 0.99% introductory interest rate on Balance Transfers for 9 months.

There is no minimum income requirement for this BMO credit card.

You can use this low-interest credit card at Costco because it is a Mastercard credit card.

Finally, you’ll receive insurance on purchases charged to your BMO Preferred Rate Mastercard.

BMO eclipse rise Visa* 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 theagency or website of your choice (airline tickets, hotels, car rentals, all-inclusives, 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

Awards earned

Best Credit Card For Gas And Transit

The BMO eclipse Visa Infinite* Card is the best gas and transportation credit card in Canada in 2024 for these reasons:

• 5x BMO Rewards points for every dollar spent on groceries, restaurants, gas and transportation
• $50 annual lifestyle credit to use as you wish
• Travel and purchase insurance
• Accepted at almost every retailer worldwide

Best AIR MILES Credit Card

The BMO AIR MILES World Elite Mastercard is the best AIR MILES credit card in Canada for these reasons:

• AIR MILES Cardholder benefits when booking airline awards
• Rewards earned with everyday purchases (AIR MILES partners)
• Gas discount at Shell
• Full travel insurance
• Accepted at almost every retailer