Best BMO Credit Cards – Bank of Montreal

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 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

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 World Elite Mastercard credit cards with travel points 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:

• 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.

BMO AIR MILES Credit Cards

BMO^® AIR MILES^® World Elite^®* Mastercard^®*

Thanks to this exclusive offer for the BMO® AIR MILES® World Elite Mastercard®*, you earn 2,000 miles after $3,000 in purchases, representing a cash value of $210.

Besides, the annual fee is waived in the first year! And until October 4, 2023, you can also get a samsung.ca promo code worth $518!

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 25% discount on one worldwide AIR MILES flight redemption during the calendar year

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 800 AIR MILES Bonus Miles after $1,000 in purchases, for a cash value of $80. Besides, it’s a no-annual-fee credit card.

And until October 4, 2023, you can also get a samsung.ca promo code worth $220!

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).

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 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

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 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 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 you spend, including at Costco or for significant purchases at home improvement stores.

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®* Mastercard®* for Business is particularly attractive to 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

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.

Awards earned in 2023

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

The BMO Ascend World Elite Mastercard is the best credit card for gas and transportation in 2023 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 5% on groceries, 4% on transit, 3% on gas and electric vehicle charging, 2% on recurring bills, and 1% on all other purchases.
• The minimum cash back redemption amount is $1
• Roadside assistance
• Accepted at almost every retailer worldwide

BMO^® AIR MILES^® World Elite^®* Mastercard^®*

The BMO^® AIR MILES^® World Elite Mastercard is the best AIR MILES credit card in 2023 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

Awards earned in 2022

BMO^® CashBack^® Mastercard^®*

The BMO^® CashBack^® Mastercard^®* is the Best No Annual Fee Cash Back Credit Card of 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 3% on groceries, 1% on recurring bill payments such as streaming services, subscriptions or monthly utilities and 0.5% on all other purchases
• The minimum cash back redemption amount is $1
• Accepted at almost every retailer

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

The BMO^® CashBack^® World Elite^®* Mastercard^®* is the Best Cash-Back Credit Card for Gas and Transportation in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 5% on groceries, 4% on transit, 3% on gas and electric vehicle charging, 2% on recurring bills, and 1% on all other purchases.
• The minimum cash back redemption amount is $1
• Roadside assistance
• Accepted at almost every retailer worldwide

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

The BMO CashBack^® Mastercard^®* for Students is Canada’s Best Cash Back Credit Card for Students in 2022.

• High cash back earning rate on everyday purchases: 3% on groceries, 1% on recurring bill payments such as streaming services, subscriptions or monthly utilities and 0.5% on all other purchases
• The minimum cash back redemption amount is $1
• Accepted at almost every retailer
• No minimum income required
• No annual fee

BMO^® AIR MILES^® World Elite^®* Mastercard^®*

The BMO AIR MILES World Elite Mastercard is the Best AIR MILES Credit Card in 2022 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

BMO eclipse Visa Infinite* Card

The BMO eclipse Visa Infinite* Card is the Best Travel Credit Card for Gas and Transportation in 2022 in Canada for these reasons:

• 5 points per dollar on gas and transit (= 3.33% in travel rewards)
• $50 Annual Credit on any purchase
• Accepted at almost every retailer