Discover the top BMO credit cards that offer exceptional rewards, low interest rates, and exclusive benefits. Whether you’re seeking travel perks or cash back, BMO has a card tailored to your financial needs. Explore your options today to maximize your spending power.
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 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:
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.
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:
Finally, you can also get a 0.99% introductory rate on balance transfers for nine months.
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:
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:
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:
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.
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:
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.
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:
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:
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.
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:
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:
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:
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:
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:
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.
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:
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 :
The new BMO eclipse rise Visa* Card also offers:
With this exclusive offer for the BMO AIR MILES World Elite Mastercard, earn up to 7,000 bonus AIR MILES:
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:
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.
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!
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.
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 collect AIR MILES miles (for discount on gas at Shell, for example), cash back or travel points!
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:
And for your purchases:
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:
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:
And 1.5 points for every dollar you spend, including at Costco or for significant purchases at home improvement stores.
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:
And for your purchases :
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.
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:
After that, you’ll get 1.5% on these purchases and 1.75% at Shell.
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.
Here are the awards received in the Milesopedia ranking of the best credit cards in Canada in 2024:
The BMO eclipse Visa Infinite* Card is the best gas and transportation credit card in Canada in 2024 for these reasons:
The BMO AIR MILES World Elite Mastercard is the best AIR MILES credit card in Canada for these reasons:
Here are some frequently asked questions in the milesopedia community about BMO credit cards in Canada.
The two BMO cash back credit cards are:
You could apply for the BMO CashBack® World Elite®* Mastercard®* which is one of BMO’s best 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 could apply for the BMO CashBack® Mastercard®*, one of BMO’s best cashback credit cards with no annual fee. This BMO credit card offers up to 3% cash back and no annual fee.
Yes, the Bank of Montreal offers several AIR MILES credit cards:
Yes, the Bank of Montreal offers several Porter credit cards (BMO VIPorter Mastercard):
You could sign up for the BMO® AIR MILES® World Elite®* Mastercard®*, 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 could apply for the BMO AIR MILES Mastercard®*, the best BMO AIR MILES credit card with no annual fee.
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 second-best BMO credit card for students is the BMO® CashBack® Mastercard®*. With this credit card from the Bank of Montreal, you’ll earn cash back and build your credit history. In addition, these are credit cards with no annual fee.
BMO offers several cards with low interest rates.
First, the BMO Preferred Rate Mastercard has an interest rate of 12.99% on purchases. And frequently, this BMO credit card offers a promotional rate on balance transfers.
Then, depending on promotions, the BMO AIR MILES Mastercard, BMO Rewards Mastercard and BMO CashBack Mastercard offer a promotional rate of 0.99% for balance transfers.
Yes, you can have several Bank of Montreal credit cards at the same time. For example, the BMO AIR MILES World Elite Mastercard (one of the best BMO credit cards for AIR MILES members) and the BMO Rewards Mastercard (one of the best credit cards offering BMO Rewards points). BMO eclipse Visa Infinite* Card (one of the best credit cards offering BMO Rewards points).
BMO Bank of Montreal offers several cards for travel in North America and around the world. First, the BMO® AIR MILES® World Elite Mastercard®* (one of the best AIR MILES credit cards).
Next, BMO Bank of Montreal has cards offering 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).
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.
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.
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 benefit from numerous advantages reserved for Visa Infinite credit card holders:
BMO partners with Equifax to check your credit report.
If you’re a professional, self-employed or small business owner, you can get a BMO credit card for business. See this article for details on how to apply for a BMO Business Credit Card.
When you apply for your BMO AIR MILES credit card, provide your AIR MILES membership number. If you haven’t done so, you’ll need to call BMO to request that your BMO credit card be linked to your AIR MILES account.
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 the Bank of Montreal at 1 800 361-3361.
See our guide to getting your BMO credit card cash back.
You can view all BMO banking package offers here.
Savings are here (if you don’t see the sign-up form, please click here):