The best BMO credit cards – May 2026

Q: What are the best BMO cashback 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.

Q: What is the interest rate on the best low-rate BMO credit card?

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 Rewards Mastercard and the BMO CashBack Mastercard offer a promotional rate of 0.99% for balance transfers

Q: Does BMO Bank of Montreal offer Visa Infinite credit cards?

Yes, BMO has two Visa Infinite credit cards:- BMO eclipse Visa Infinite* Card; - BMO eclipse Visa Infinite Privilege* Card; These two 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:- Visa Infinite Luxury Hotel Collection; - Visa Infinite Concierge; - Visa Infinite Insurance;

The best BMO credit cards – May 2026

Below are the best credit card offers from BMO, Bank of Montreal:

The Best BMO cash back credit cards
The Best BMO VIPorter credit cards
The Best BMO Travel credit cards
The Best BMO Student Credit cards
The Best BMO credit cards for Costco
The Best BMO credit cards for Small Business
The Best BMO credit cards for balance transfers

Here is a table summarizing the different offers. For more details, read on or click on the name of a card.

BMO Rewards Travel Credit Cards

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 welcome offer, you can earn up to 100,000 BMO Rewards points.

These points have a value of approximately $650 to $700, according to our estimate, and can be applied to your travel expenses.

Plus, there is no annual fee for the first year for the primary cardholder and additional cardholders.

You can also take advantage of a 0% introductory interest rate on balance transfers for 12 months, with a 2% balance transfer fee.

With the BMO Ascend World Elite Mastercard, you get:

5 points per dollar on eligible travel*
3 points per dollar on eligible dining, entertainment, and recurring bill payments*
1 point per dollar on all other purchases*

You can use BMO Rewards points for your travel (flights, hotels, car rentals, packages, etc.) or for rewards and gift cards on the BMO Rewards platform.

The card also offers:

4 complimentary airport lounge accesses per year via Mastercard Travel Pass provided by DragonPass*
comprehensive travel insurance, including emergency medical coverage up to $5 million for 21 days*

Finally, enjoy six months of Instacart+ membership and a $10 monthly Instacart credit when you sign up with your eligible BMO credit card.*

BMO eclipse Visa Infinite* Card

By subscribing to our offer for the BMO eclipse Visa Infinite* Card, you can receive an exclusive welcome offer of up to 80,000 BMO Rewards points, as well as a waiver of the $120 annual fee for the first year.*

In addition, you will benefit from a $50 annual lifestyle credit. You also have a monthly statement credit for streaming services for the first year.*

With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar spent on:

groceries*
food delivery or takeout*
ridesharing*
public transit*
gas*

And 1 BMO Rewards point per dollar spent everywhere else. Plus, if you add a supplementary card to your account, you’ll earn 10% more points*.

You can use BMO Rewards points for travel (flights, hotels, car rentals, packages, etc.) or for rewards and gift cards on the BMO Rewards platform.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card*.

BMO eclipse Visa Infinite Privilege* Card

The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! By applying for this card, you can earn up to 200,000 BMO Rewards points:

80,000 points after $6,000 in purchases within the first 110 days of account opening
40,000 points after $40,000 in purchases within the first 180 days of account opening
80,000 points after $75,000 in purchases within the first 365 days of account opening

Additionally, you benefit from a 0% welcome interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

Plus, you’ll receivea $200 anniversary credit to use as you wish!

As well as a membership to the Visa Airport Companion program with six complimentary visits per year to airport lounges.

With this Card, you can earn 5 BMO Rewards points per dollar spent on:

Groceries
Gas
Drugstores
Travel
restaurants and bars
Food delivery

And 1 BMO Rewards point per dollar spent everywhere else.

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

BMO eclipse rise Visa* Card

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:

20,000 points after $1,500 in purchases in the first 3 months
2,500 points when you redeem 12,000 points with the Pay with Points option over a 12-month period
2,500 points when you pay the balance on time for 12 months

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 :

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 spent at restaurant and for takeaway
1 point per two dollars of purchases for all other purchase categories

The new BMO eclipse rise Visa* Card also offers:

Mobile Device Insurance
Purchase Protection
Extended warranty insurance

Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.

BMO VIPorter Mastercard credit cards

BMO VIPorter World Elite Mastercard

BMO VIPorter Mastercard

BMO CashBack Mastercard credit cards

BMO CashBack® Mastercard®* World Eliteᴹᴰ*

BMO CashBack^® World Elite^®* Mastercard^®* is one of Canada’s best cash back Mastercard credit cards.

Currently, for a limited time, you could receive up to $480 in cash back in the first year. In fact, you will receive $40 in cash back for each monthly period in which you make $2,000 in purchases on your card.

Plus, there is no annual fee for the first year!

Additionally, you benefit from a 0% introductory interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

With BMO CashBack^® World Elite^®* Mastercard^®*, you get between 2% and 5% cash back on many categories of purchases:

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. It is also one of the only credit cards in its category to offer a 2 additional years extended warranty.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

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. This represents a maximum welcome bonus of $125 :

5% cash back on up to $500 in eligible grocery purchases, for a $25 bonus
5% cash back on up to $500 in eligible recurring bill payments, for a $25 bonus
5% cash back on up to $1,500 in all other eligible purchases, for a $75 bonus

Then you get a cash back rate of:

3% cash back on grocery purchases, including at Walmart Supercenters
1% cash back on recurring bill payments

You can also get a 0.99% welcome interest rate on balance transfers for nine months.

Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.

Student

Costco

Like many Mastercard credit cards, BMO credit cards are accepted at Costco.

The two best BMO credit cards for Costco:

This gives you the choice between earning cash back or travel points!

BMO Credit Cards for Balance Transfer

BMO CashBack® Mastercard®* World Eliteᴹᴰ*

BMO CashBack^® World Elite^®* Mastercard^®* is one of Canada’s best cash back Mastercard credit cards.

Plus, there is no annual fee for the first year!

Additionally, you benefit from a 0% introductory interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

With BMO CashBack^® World Elite^®* Mastercard^®*, you get between 2% and 5% cash back on many categories of purchases:

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. It is also one of the only credit cards in its category to offer a 2 additional years extended warranty.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

BMO Ascend™ World Elite®* Mastercard®*

These points have a value of approximately $650 to $700, according to our estimate, and can be applied to your travel expenses.

Plus, there is no annual fee for the first year for the primary cardholder and additional cardholders.

You can also take advantage of a 0% introductory interest rate on balance transfers for 12 months, with a 2% balance transfer fee.

With the BMO Ascend World Elite Mastercard, you get:

5 points per dollar on eligible travel*
3 points per dollar on eligible dining, entertainment, and recurring bill payments*
1 point per dollar on all other purchases*

You can use BMO Rewards points for your travel (flights, hotels, car rentals, packages, etc.) or for rewards and gift cards on the BMO Rewards platform.

The card also offers:

4 complimentary airport lounge accesses per year via Mastercard Travel Pass provided by DragonPass*
comprehensive travel insurance, including emergency medical coverage up to $5 million for 21 days*

Finally, enjoy six months of Instacart+ membership and a $10 monthly Instacart credit when you sign up with your eligible BMO credit card.*

BMO Business Credit Cards

BMO® Ascend World Elite®<br>Business Mastercard®

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:

20,000 points on your first purchase within 75 days of account opening;
8,000 points per month when you spend at least $3,000 per monthly period, from the 3rd to the 12th month following account opening (for a total of 80,000 points).

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:

gas purchases
office supplies
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 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.

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:

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

Awards Earned

Here are the rewards earned in the Milesopedia Ranking of the Best Credit Cards in Canada:

Best Credit Card For Gas And Transit

Milesopedia's Best Credit Cards in Canada for 2024 - GasTransportation BestCreditCard Milesopedia 2024

The BMO eclipse Visa Infinite* Card is the best gas and transportation credit card in Canada in 2024 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

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 cashback 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.

Does the Bank of Montreal offer Porter credit cards?

Yes, the Bank of Montreal offers several Porter credit cards (BMO VIPorter Mastercard):

What's the best no-fee BMO credit card for students?

The best BMO credit card for students is the BMO Student Discount Mastercard. With this credit card from the Bank of Montreal, you’ll earn cash back and build your credit history. What’s more, it’s a credit card with no annual fee.

What is the interest rate on the best low-rate BMO credit card?

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 Rewards Mastercard and the BMO CashBack Mastercard offer a promotional rate of 0.99% for balance transfers

Can I have multiple BMO credit cards?

Yes, you can have multiple credit cards from the Bank of Montreal at the same time.

What is the best BMO credit card for travel?

BMO Bank of Montreal offers several cards for travel in North America and around the world.

Such as 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 5x 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 offer Visa Infinite credit cards?

Yes, BMO has two Visa Infinite credit cards:

These two 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:

Visa Infinite Luxury Hotel Collection
Visa Infinite Concierge
Visa Infinite Insurance

Which credit bureau does BMO verify?

BMO partners with Equifax to check your credit report.

Can I get a BMO Business credit card?

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.

How do I reach BMO Customer Service for a Mastercard credit card?

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.

How do I get cash back on a BMO credit card?

See our guide to getting your BMO credit card cash back.

What BMO banking packages are available?

You can view all BMO banking package offers here.