Below are the best credit card offers from BMO, Bank of Montreal:
Here is a table summarizing the different offers. For more details, read on or click on the name of a card.
BMO Cash Back Credit Cards
BMO® CashBack® World Elite®* Mastercard®*
The BMO® CashBack® World Elite®* Mastercard®* is one of the best cash back Mastercard credit card in Canada.
For a limited time, you will earn up to 10% cash back on select purchases for the first 3 months (that’s up to $260 cash back). Besides, the 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.
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 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 0.99% introductory rate on balance transfers for nine months.
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 annual fee is waived in the first year!
In addition, if you sign up for this exclusive offer before March 28, 2023, you can save 25 cents per litre of gas purchased from Shell from May 1, 2023 to September 30, 2023 (on the next 10 fill-ups of up to 50L per transaction).
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.
In addition, if you sign up for this exclusive offer before March 28, 2023, you can save 25 cents per litre of gas purchased from Shell from May 1, 2023 to September 30, 2023 (on the next 10 fill-ups of up to 50L per transaction).
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.
Also, you can get a 0.99% introductory rate on balance transfers for 9 months (a 2% fee applies to balance amount transferred).
BMO Rewards Credit Cards
BMO eclipse Visa Infinite* Card
When you sign up for our exclusive offer for the BMO eclipse Visa Infinite* Card, you can earn up to 70,000 BMO Rewards points and have the $120 annual fee waived for the first year:
- 40,000 points after $3,000 in purchases in the first three months
- 30,000 points at annual renewal if you have made $25,000 in purchases with the card in the first 12 months
Plus, you’ll get a $50 annual lifestyle credit – per calendar year – to spend however you want.
With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar 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.
BMO Ascend World Elite Mastercard
The BMO Ascend World Elite Mastercard is one of the best travel points World Elite Mastercard credit cards in Canada. With our exclusive offer, you can get up to 70,000 Welcome Bonus Points:
- 40,000 points when you spend $3,000 in the first 3 months
- 2,500 points per month after $2,000 in monthly purchases from the 4th to the 15th month, up to 30,000 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 the following:
- 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 your points for travel purchases on the BMO Rewards website (flights, hotels, car rentals, all-inclusive).
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 90,000 BMO Rewards points:
- 50,000 points when you spend $6,000 in the first 3 months
- 40,000 points twelve months after the Credit Card account open date after you spend a minimum of $100,000 within the first twelve months
Plus, you’ll get a $200 annual lifestyle credit – per calendar year – to spend however you want. 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.
BMO® Rewards® Mastercard®*
The BMO® Rewards® Mastercard®* is one of the best no-fee credit cards in Canada. For a limited time, you can get a welcome bonus of 15,000 points.
Also, you can get a 0.99% introductory interest rate on balance transfers for 9 months.
Students
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® AIR MILES® Mastercard®* For Students
With this offer for the BMO AIR MILES® Mastercard® for Students , you earn 800 AIR MILES Bonus Miles after $1,000 in card 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.
Costco
Like many Mastercard credit cards, BMO credit cards are accepted at Costco.
The three best BMO credit cards for shopping at Costco are:
- BMO® AIR MILES® World Elite®* Mastercard®*
- BMO® CashBack® World Elite®* Mastercard®*
- BMO Ascend World Elite Mastercard
You can choose to earn AIR MILES rewards miles, cash back or travel points!
BMO Business Credit Cards
BMO Rewards® World Elite®* Business Mastercard®*
The BMO Rewards® World Elite®* Business Mastercard®* is one of Canada’s best Business travel Mastercard credit cards. You can earn up to 70,000 points as a welcome bonus:
- 50,000 points after you spend $5,000 in the first 3 months
- 20,000 points after you spend $35,000 in the first twelve months
Plus, there is no annual fee for the first year! And you’ll get two complimentary airport lounge visits each year.
You can also enjoy a 0% introductory interest rate on balance transfers for nine months (with a 3% transfer fee).
With BMO World Elite Business Mastercard, you earn 4 points for every dollar you spend on:
- gas purchases
- office supply purchases
- cell phone/internet payments
And 1.5 points for every dollar spent, including at Costco.
You can use your points for travel purchases on the BMO Rewards website (flights, hotels, car rentals, all-inclusive). Finally, you can combine the points you earn with the other two BMO Rewards cards to save even more on your travel.
With the BMO World Elite Business Mastercard, you get premium insurance:
- 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®† World Elite®* Business Mastercard®*
The BMO AIR MILES World Elite Business Mastercard is great for AIR MILES Collectors who wish to separate their personal and business spending.
You can get a welcome bonus of 3,000 AIR MILES Bonus Miles after $5,000 in card purchases ($310 value). 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 get premium insurance:
- 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 Canada’s best business cash-back Mastercard credit cards.
You can get 10% cash back for three months on:
- gas purchases
- office supply purchases
- cell phone/internet payments
After that, you’ll get 1.5% on these purchases and 1.75% at Shell.
You can also enjoy a 0% introductory interest rate on balance transfers for nine months (with a 3% transfer fee).
BMO Credit Cards for Balance Transfer
BMO® Preferred Rate Mastercard®*
The BMO Preferred Rate Mastercard is a Bank of Montreal credit card that offers:
- 0.99% introductory interest rate on Balance Transfers for 9 months
- First-year annual fee waiver
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.
Frequently Asked Questions: BMO Credit Cards
Here are some frequently asked questions in the milesopedia community about BMO credit cards in Canada.
What are the best BMO cash back credit cards?
The two BMO cash back credit cards are:
You could apply for the BMO® CashBack® World Elite®* Mastercard®* which is one of the best BMO cash back credit cards. With this BMO credit card, you’ll get a welcome bonus and earn up to 5% cash back on your purchases.
If you don’t have the minimum income requirement, you may want to apply for the BMO® CashBack® Mastercard®* which is one of the best BMO cash back credit cards with no annual fee. This BMO credit card offers up to 3% cash back and has no annual fee.
Does the BMO Bank of Montreal offer AIR MILES credit cards?
Yes, the BMO Bank of Montreal offers several AIR MILES credit cards:
What is the Best BMO AIR MILES credit card?
You could apply for the BMO® AIR MILES® World Elite®* Mastercard®* which is the best BMO AIR MILES credit card. With this BMO AIR MILES credit card, you’ll get a welcome bonus and earn 1 mile for every $12 in Card purchases.
If you don’t have the minimum income requirement, you may want to apply for the BMO® AIR MILES® Mastercard®* which is the best BMO AIR MILES credit card with no annual fee.
What is the best BMO Student credit card?
There are two BMO student credit cards to choose from. First of all, the BMO® AIR MILES® Mastercard®* for Students is the best BMO credit card for students who are AIR MILES members.
The next best BMO credit card for students is the BMO® CashBack® Mastercard®* StudentBMO® CashBack® Mastercard®*. With this Bank of Montreal credit card, you can earn cash back and build your credit history. In addition, these are credit cards with no annual fee.
What is the best low interest rate BMO credit card?
BMO offre plusieurs cartes avec faible taux d’intérêt.
Tout d’abord, la Carte Mastercard BMO à taux préférentiel a un taux d’intérêt de 12,99 % sur les achats. Et fréquemment, cette carte de crédit BMO offre un taux promotionnel pour les transferts de solde.
Ensuite, en fonction des promotions, la Carte Mastercard BMO AIR MILES, la Carte Mastercard BMO Récompenses et la Carte Mastercard BMO Remises offrent un taux promotionnel de 0,99 % pour les transferts de solde
Can I have multiple BMO credit cards?
Yes, you can have several Bank of Montreal credit cards simultaneously. Such as the BMO® AIR MILES® World Elite®* Mastercard®* (one of the best BMO AIR MILES credit cards) and the BMO eclipse Visa Infinite* Card (one of the best credit cards offering BMO Rewards points).
What is the best BMO credit card for travel?
BMO Bank of Montreal offers several cards for travel in North America or worldwide. First, the BMO® AIR MILES® World Elite®* Mastercard®* (one of the best AIR MILES credit cards).
Second, BMO Bank of Montreal has cards that offer BMO Rewards points. Like the BMO eclipse Visa Infinite* Card (one of the best credit cards offering BMO Rewards points) and the BMO Ascend World Elite Mastercard.
These credit cards are perfect for travel and offer you premium insurance for your travels in North America or around the world and your daily purchases (extended warranty).
Which BMO credit card offers up to 5 times the points?
The BMO eclipse Visa Infinite* Card (one of the best credit cards offering BMO Rewards points) offers up to 5 times the points for your grocery purchases. Plus, this BMO credit card offers you an extended warranty on your purchases.
Can I apply for a card online with BMO?
Yes, you can apply for a card online with BMO. Simply click on the Apply Now button next to each BMO credit card on this page.
Does BMO Bank of Montreal have Visa Infinite credit cards?
Yes, BMO has two Visa Infinite credit cards:
Both of these BMO Visa Infinite credit cards offer BMO Rewards points.
With these Visa Infinite credit cards, you can enjoy many benefits reserved for Visa Infinite credit card holders:
- Visa Infinite Luxury Hotel Collection
- Visa Infinite Concierge
- Visa Infinite Insurance
Which credit bureau does BMO check?
BMO partners with Equifax to check your credit report.
Can I get a BMO Business credit card?
You can get a BMO Business Credit Card if you are a professional, a sole proprietor or a small business owner. Check out this article for more details on how to apply for a BMO Business Credit Card.
How do I link my BMO credit card to my AIR MILES account?
When you apply for your BMO AIR MILES credit card, provide your AIR MILES membership number. If you have not done so, you will need to call BMO and ask to link your BMO credit card to your AIR MILES account.
How do I contact BMO Mastercard Customer Service?
You can contact the Bank of Montreal and BMO Mastercard at 1-800-263-2263. However, if your request is for a lost or stolen card, call Bank of Montreal at 1-800-361-3361.
How do I get cash back on a BMO credit card?
See our guide to getting your BMO credit card cash back.