Best BMO Credit Cards – Bank of Montreal – September 2024

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 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 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
• 30,000 points at annual renewal if you have made $25,000 in purchases with the card in the first 12 months

What’s more, 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
• 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.

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 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 travel rewards credit card with no minimum income required.

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 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points
• 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months

Moreover, you can get a 0.99% introductory interest rate on Balance Transfers for 9 months (a 2% fee applies to balance amounts transferred).

With the new BMO eclipse rise Visa* Card, you get :

• 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 in dining and takeout purchases
• 1 point per two dollars 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.

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®*, you can earn 3,000 miles after $3,000 in purchases, representing a cash value of $315.

Get 25¢ per liter off your next eight fill-ups (maximum 50 L) at Shell, plus automatic rebates of 7¢ per liter on Shell V-Power® NiTRO+ premium fuel or 2¢ per liter on other types of fuel. These savings can amount to as much as $128 in fuel.

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

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.

And it’s the only AIR MILES credit card in Canada to offer a 25% discount on one worldwide AIR MILES flight redemption 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®*, you earn 1,500 AIR MILES Bonus Miles after $1,000 in Card purchases, a $150 cash value. Besides, it’s a no-annual-fee credit card.

Get 25¢ per liter off your next eight fill-ups (maximum 50 L) at Shell, plus automatic rebates of 7¢ per liter on Shell V-Power® NiTRO+ premium fuel or 2¢ per liter on other types of fuel. These savings can amount to as much as $128 in fuel.

With the BMO® AIR MILES® Mastercard®*, you get 3x the Miles for every $25 spent at participating AIR MILES Partners. Plus, you’ll earn 2X miles for every $25 spent at any eligible grocery store, wholesale club (warehouse like Costco) and alcohol 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 travel rewards credit card with no minimum income required.

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 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points
• 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months

Moreover, you can get a 0.99% introductory interest rate on Balance Transfers for 9 months (a 2% fee applies to balance amounts transferred).

With the new BMO eclipse rise Visa* Card, you get :

• 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 in dining and takeout purchases
• 1 point per two dollars 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.

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 Rewards^® World Elite^®* Business Mastercard^®*

The BMO World Elite®* Business Mastercard®* is one of Canada’s best travel points Mastercard for Business credit cards. You can earn up to 100,000 points as a welcome bonus:

• 20,000 points when you make your first purchase with your card in the first 75 days after the account open date;
• 8,000 points per month when you spend at least $3,000 per month within month 3 and 12 after the account open date (for a total of 80,000 points).

Plus, the annual fee is waived for the first year! And you get 2 free visits a year to DragonPass airport lounges.

You can also enjoy a 0% introductory interest rate on balance transfers for nine months (with a 3% transfer fee).

With the BMO World Elite®* Business Mastercard®*, you earn 4 points per dollar spent on:

• gas purchases
• office supply purchases
• 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 (flights, hotels, car rentals, all-inclusive resorts, 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 World Elite®* Business Mastercard®*, you get many travel insurance coverages:

• 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 Business Mastercard is one of Canada’s best cashback Mastercard business 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

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 travel rewards credit card with no minimum income required.

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 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points
• 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months

Moreover, you can get a 0.99% introductory interest rate on Balance Transfers for 9 months (a 2% fee applies to balance amounts transferred).

With the new BMO eclipse rise Visa* Card, you get :

• 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 in dining and takeout purchases
• 1 point per two dollars 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.

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 Credit Card For Gas And Transit in 2024 in Canada 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 2024 in Canada for these reasons:

• AIR MILES benefits for Cardmembers when booking flight rewards
• Rewards earned with everyday purchases (AIR MILES partners)
• Full travel insurance
• Accepted at almost every retailer