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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. In addition, the $120 annual fee is waived in the first year!

With the BMO® AIR MILES® World Elite®* Mastercard®*, you get 1 mile for every $10 you spend, Costco included.

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:

  • 2 complimentary passes to airport VIP lounges
  • 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 $20 you spend, Costco included.

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 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 get a welcome bonus of 40,000 points (285$ travel value):

  • 30,000 points after you spend a minimum of $3,000 within the first 3 months
  • an additional 10,000 BMO Rewards points anniversary bonus, 12 months after the Credit Card account open date

In addition, 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 offers:

  • 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 BMO cash back credit cards

BMO® CashBack® World Elite®* Mastercard®*

The BMO® CashBack® World Elite®* Mastercard®* is one of the best Mastercard credit cards with cash back in Canada.

With the BMO® CashBack® World Elite®* Mastercard®*, you get 1.5% on all your purchases, Costco included, with no annual limit.

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

And this card has premium insurance.

BMO® CashBack® Mastercard®*

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

With this card, you can get 5% cash back in your 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 no annual fee BMO credit card

BMO® Rewards® Mastercard®*

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

For a limited time, you can get a welcome bonus of 15,000 points.

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

The Best student BMO 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!

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!

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 get a welcome bonus of 50,000 points after $5,000 in card purchases ($350 travel value). In addition, 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 annual fee AIR MILES Business Mastercard.

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 credit cards

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