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-
5X points on groceries, gas, pharmacy, dining and transit
-
$200 Annual Credit
-
Access to VIP Lounges
Learn More
- Welcome offer: Get up to 90,000 points*
- Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
- Get 1 BMO Reward for every $1 spent on everything else*
- Get a $200 annual lifestyle credit to spend however you want*
- Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
- Earn 25% more points when you add an authorized user to your account*
- Mobile Device Insurance that covers you for up to $1,000*
- Pay with Points by browsing your recent transactions & redeem your points for as little as $1
- Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
- Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*
*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
Annual Fee
- Primary card $499
- Additional card $99
Annual Income Required
- Individual $150,000
- Household $200,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 23.99 %
- Balance Transfer Rates —
Earning Rate
- Groceries5Points
- Gas5Points
- Dining and Food delivery5Points
Value
- Year 1 $1,022
- Year 2+ $421
Best For
Transfer Partners
- BMO Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
{"main":{"value":"146","welcome_bonus":"Up to 90,000 Points","estimated_value":1040.3,"mc_welcome_bonus_amount":"90000","minimum_spending":"$6,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"},{"term_id":787,"name":"Drugstores","slug":"drugstores","term_group":0,"term_taxonomy_id":787,"taxonomy":"mc_best_for","description":"","parent":0,"count":17,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":33,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":47,"filter":"raw","term_order":"0"},{"term_id":782,"name":"Travel","slug":"travel","term_group":0,"term_taxonomy_id":782,"taxonomy":"mc_best_for","description":"","parent":0,"count":42,"filter":"raw","term_order":"0"}],"annual_fee":"499","first_year_fee":false,"loyalty_slug":"bmo-rewards","card_slug":"bmo-eclipse-visa-infinite-privilege-card"},"advantages":{"has_lounge_access":true,"rewards_type":false,"loyalty_program":{"term_id":702,"name":"BMO Rewards","slug":"bmo-rewards","term_group":0,"term_taxonomy_id":702,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":5,"filter":"raw","term_order":"0"},"rewards_groceries":"5","rewards_gas_stations":"5","rewards_restaurants":"5","rewards_travel":"5","rewards_recurring_payments":"1","rewards_allspending":"1","annual_credit":"200","vip_salon":"240","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$99","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"23.99%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":true,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
BMO eclipse Visa Infinite* Card
Up to 70,000 Points
Ends Jul 31, 2023
First year value : $1,072
Best of February 2023
-
5X points on groceries, gas, dining and transit
-
$50 Annual Credit
-
Visa Infinite Benefits
Learn More
Best credit card for gas and transit in 2023
- Welcome offer: Get up to 70,000 points worth $467 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year – that’s a $637 value in your first year!*
- Earn 5x the BMO Rewards points on groceries, dining, gas and transit*
- Get 1 BMO Reward for every $1 spent on everything else*
- Get a $50 annual lifestyle credit to spend however you want*
- Earn 10% more points when you add an authorized user to your account*
- Mobile Device Insurance that covers you for up to $1,000*
- Pay with Points by browsing your recent transactions & redeem your points for as little as $1
*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
Annual Fee
- Primary card $120
- Additional card $50
Annual Income Required
- Individual $60,000
- Household $100,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 23.99 %
- Balance Transfer Rates —
Earning Rate
- Groceries5Points
- Gas5Points
- Dining and Food delivery5Points
Value
- Year 1 $1,072
- Year 2+ $365
Best For
Transfer Partners
- BMO Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
$750
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
{"main":{"value":"350","welcome_bonus":"Up to 70,000 Points","estimated_value":636.9,"mc_welcome_bonus_amount":"70000","minimum_spending":"$25,000","minimum_spending_timeframe_months":"12 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":33,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":47,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":17,"filter":"raw","term_order":"0"}],"annual_fee":"120","first_year_fee":true,"loyalty_slug":"bmo-rewards","card_slug":"bmo-eclipse-visa-infinite-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":70,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":702,"name":"BMO Rewards","slug":"bmo-rewards","term_group":0,"term_taxonomy_id":702,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":5,"filter":"raw","term_order":"0"},"rewards_groceries":"5","rewards_gas_stations":"5","rewards_restaurants":"5","rewards_travel":"1","rewards_recurring_payments":"1","rewards_allspending":"1","annual_credit":"50","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$50","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"23.99%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
5X points on travel purchases
-
Access to VIP Lounges
-
Accepted at Costco
Learn More
- Welcome offer: Get up to 70,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users.*
- 5x the points for every $1 spent on eligible travel purchases,* 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,* 1 point for every $1 spent everywhere else.*
- Now get the highest rewards points for travel of any premium flexible travel card in Canada!†
- Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
- Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
- Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
- Points you can use to cover all flight charges & taxes*
- Fly on any airline, with no blackout dates*
- Redeem your points at any time through the BMO Rewards center.
- Best-in-class travel and medical insurance (unlimited trips per year)*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply
†Statement based on a comparison of the redeemable value of the non-promotional travel rewards points earned on premium flexible Canadian credit cards as of May 3, 2022. “Flexible” is defined as points earned when you purchase travel anywhere and “premium” refers to cards with an annual fee of ≤ $150 or has an income requirement of ≤ $150,000 annual individual income.
Annual Fee
- Primary card $150
- Additional card $50
Annual Income Required
- Individual $80,000
- Household $150,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 23.99 %
- Balance Transfer Rates —
Earning Rate
- Travel5Points
- Air Canada5Points
- Dining and Food delivery3Points
Value
- Year 1 $1,055
- Year 2+ $289
Best For
Transfer Partners
- BMO Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
21 day(s)
Travel medical insurance up to 64 years old
$2,000,000
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$200
Lost/Stolen Baggage Insurance
$750
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
{"main":{"value":"308","welcome_bonus":"Up to 70,000 Points","estimated_value":776.9,"mc_welcome_bonus_amount":"70000","minimum_spending":"$27,000","minimum_spending_timeframe_months":"15 month(s)","best_for":[{"term_id":38932,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":38932,"taxonomy":"mc_best_for","description":"","parent":0,"count":14,"filter":"raw","term_order":"0"},{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":27,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":33,"filter":"raw","term_order":"0"},{"term_id":38938,"name":"VIP Lounges","slug":"lounges","term_group":0,"term_taxonomy_id":38938,"taxonomy":"mc_best_for","description":"","parent":0,"count":7,"filter":"raw","term_order":"0"},{"term_id":782,"name":"Travel","slug":"travel","term_group":0,"term_taxonomy_id":782,"taxonomy":"mc_best_for","description":"","parent":0,"count":42,"filter":"raw","term_order":"0"}],"annual_fee":"150","first_year_fee":true,"loyalty_slug":"bmo-rewards","card_slug":"bmo-ascend-world-elite-mastercard"},"advantages":{"has_lounge_access":true,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":70,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":702,"name":"BMO Rewards","slug":"bmo-rewards","term_group":0,"term_taxonomy_id":702,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":5,"filter":"raw","term_order":"0"},"rewards_groceries":"1","rewards_gas_stations":"1","rewards_restaurants":"3","rewards_travel":"5","rewards_recurring_payments":"3","rewards_allspending":"1","annual_credit":"","vip_salon":"160","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$50","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"23.99%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Featured
-
5% cash back on groceries
-
3% cash back on gas
-
Accepted at Costco
Learn More
- Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
- Earn more cash back on the categories that mean the most:
- 5% on groceries*
- 4% on transit including ride sharing, taxis and public transportation*
- 3% on gas and electric vehicle charging*
- 2% on recurring bill payments like your monthly phone bill or favourite streaming service*
- 1% unlimited cashback on all other purchases*
- Get the highest cash back earn rate on groceries in Canada.*
- Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
- Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
- Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*.
- Complimentary Roadside Assistance Program*
- Extended Warranty Plus*
- Purchase Protection Plus*
- BMO CashBack World Elite Travel and Medical Protection*
- Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information *Terms and conditions apply †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of June 1, 2022
Annual Fee
- Primary card $120
- Additional card $50
Annual Income Required
- Individual $80,000
- Household $150,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 23.99 %
- Balance Transfer Rates —
Earning Rate
- Groceries5%
- Local Transport4%
- Gas3%
Value
- Year 1 $920
- Year 2+ $420
Best For
Transfer Partners
- Cashback
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
8 day(s)
Travel medical insurance up to 64 years old
$2,000,000
8 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$200
Lost/Stolen Baggage Insurance
$750
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
{"main":{"value":"200","welcome_bonus":"Up to $260 cash back","estimated_value":380,"mc_welcome_bonus_amount":"260","minimum_spending":"$2,600","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":27,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":47,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":17,"filter":"raw","term_order":"0"}],"annual_fee":"120","first_year_fee":true,"loyalty_slug":"cashback","card_slug":"bmo-cashback-world-elite-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash Back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cashback","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":50,"filter":"raw","term_order":"0"},"rewards_groceries":"5","rewards_gas_stations":"3","rewards_restaurants":"1","rewards_travel":"1","rewards_recurring_payments":"2","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$50","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"23.99%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
4X points on gas, office supplies, cell phone and internet bills
-
Access to VIP Lounges
-
Accepted at Costco
Learn More
- Welcome Offer: Get up to 70,000 BMO Rewards points in the first year.
- Plus, we’ll waive the $149 annual fee for the first year!
- Earn 4 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments*
- Earn 1.5 BMO Rewards points for every $1 you spend*
- Enjoy VIP Airport Lounge Access at more than 400+ airports worldwide. You’ll get two complimentary lounge visits each year.
- Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*
- You can now use your BMO Mastercard at Costco stores across Canada
- Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
- Our Liability Waiver Program protects your business against employee card abuse*
- 25 payment grace days*
*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
Annual Fee
- Primary card $149
- Additional card $0
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 17.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
Earning Rate
- Telecom/Internet4Points
- Gas4Points
- Office Supplies4Points
Value
- Year 1 $996
- Year 2+ $231
Best For
Transfer Partners
- BMO Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
{"main":{"value":"335","welcome_bonus":"Up to 70,000 Points","estimated_value":695.9,"mc_welcome_bonus_amount":"70000","minimum_spending":"$5,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":794,"name":"Cellphone \/ Internet subscriptions","slug":"cell-internet","term_group":0,"term_taxonomy_id":794,"taxonomy":"mc_best_for","description":"","parent":0,"count":6,"filter":"raw","term_order":"0"},{"term_id":788,"name":"Office supplies","slug":"office","term_group":0,"term_taxonomy_id":788,"taxonomy":"mc_best_for","description":"","parent":0,"count":9,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":47,"filter":"raw","term_order":"0"}],"annual_fee":"149","first_year_fee":true,"loyalty_slug":"bmo-rewards","card_slug":"bmo-rewards-business-mastercard"},"advantages":{"has_lounge_access":true,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":70,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":702,"name":"BMO Rewards","slug":"bmo-rewards","term_group":0,"term_taxonomy_id":702,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":5,"filter":"raw","term_order":"0"},"rewards_groceries":"1.5","rewards_gas_stations":"4","rewards_restaurants":"1.5","rewards_travel":"1.5","rewards_recurring_payments":"1.5","rewards_allspending":"1.5","annual_credit":"","vip_salon":"80","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"17.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
BMO AIR MILES®† World Elite®* Mastercard®*
3,000 miles
Ends Jul 31, 2023
First year value : $686
Best of February 2023
-
3X miles at participating AIR MILES partners
-
Premium Insurance
-
Accepted at Costco
Learn More
Best AIR MILES Credit Card in 2023
- Limited time offer: Get 3,000 AIR MILES Bonus Miles! That’s enough for $310 towards your purchases with AIR MILES Cash!
- Plus, get $120 annual fee waived for the first year.*
- Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $12 spent at any eligible grocery store*.
- Earn 1 reward mile for every $12 in credit card purchases, everywhere you spend*
- Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
- Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
- Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
- Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
- BMO AIR MILES World Elite Travel and Medical Protection*
- BMO Concierge Service
- Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
*Terms and conditions apply BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
Annual Fee
- Primary card $120
- Additional card $50
Annual Income Required
- Individual $80,000
- Household $150,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 23.99 %
- Balance Transfer Rates —
Earning Rate
- AIR MILES partners0.25mile
- All Spending0.08mile
- Groceries0.08mile
Value
- Year 1 $686
- Year 2+ $101
Best For
Transfer Partners
- AIR MILES
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
15 day(s)
Travel medical insurance up to 64 years old
$2,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$200
Lost/Stolen Baggage Insurance
$750
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
{"main":{"value":"394","welcome_bonus":"3,000 miles","estimated_value":465,"mc_welcome_bonus_amount":"3000","minimum_spending":"$3,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":38932,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":38932,"taxonomy":"mc_best_for","description":"","parent":0,"count":14,"filter":"raw","term_order":"0"},{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"},{"term_id":787,"name":"Drugstores","slug":"drugstores","term_group":0,"term_taxonomy_id":787,"taxonomy":"mc_best_for","description":"","parent":0,"count":17,"filter":"raw","term_order":"0"},{"term_id":38938,"name":"VIP Lounges","slug":"lounges","term_group":0,"term_taxonomy_id":38938,"taxonomy":"mc_best_for","description":"","parent":0,"count":7,"filter":"raw","term_order":"0"},{"term_id":782,"name":"Travel","slug":"travel","term_group":0,"term_taxonomy_id":782,"taxonomy":"mc_best_for","description":"","parent":0,"count":42,"filter":"raw","term_order":"0"}],"annual_fee":"120","first_year_fee":true,"loyalty_slug":"air-miles-en","card_slug":"bmo-air-miles-world-elite-mastercard"},"advantages":{"has_lounge_access":true,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":70,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":743,"name":"AIR MILES","slug":"air-miles-en","term_group":0,"term_taxonomy_id":743,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":9,"filter":"raw","term_order":"0"},"rewards_groceries":"0.08","rewards_gas_stations":"0.08","rewards_restaurants":"0.08","rewards_travel":"0.08","rewards_recurring_payments":"0.08","rewards_allspending":"0.08","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$50","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"23.99%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":true,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
4X miles at participating AIR MILES partners
-
Virtual health care offered by Maple
-
Accepted at Costco
Learn More
- Welcome offer: Get 3,000 AIR MILES Bonus Miles when you spend a minimum of $5,000 in the first three months. Plus, we’ll waive the $149 annual fee for the first year!
- No annual fee for the first year*.
- Get 4x the Miles when you use your card at participating AIR MILES partners
- Get 1 Mile for every $12 you spend*
- You can now use your BMO Mastercard at Costco stores across Canada
- Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*
- 25 payment grace days*
- Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
Legal
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information *Terms and conditions apply
Annual Fee
- Primary card $149
- Additional card $0
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
Earning Rate
- AIR MILES partners0.33mile
- All Spending0.08mile
- Groceries0.08mile
Value
- Year 1 $715
- Year 2+ $72
Best For
Transfer Partners
- AIR MILES
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
{"main":{"value":"347","welcome_bonus":"Up to 3,000 miles","estimated_value":494,"mc_welcome_bonus_amount":"3000","minimum_spending":"$5,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":38932,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":38932,"taxonomy":"mc_best_for","description":"","parent":0,"count":14,"filter":"raw","term_order":"0"},{"term_id":788,"name":"Office supplies","slug":"office","term_group":0,"term_taxonomy_id":788,"taxonomy":"mc_best_for","description":"","parent":0,"count":9,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":47,"filter":"raw","term_order":"0"}],"annual_fee":"149","first_year_fee":true,"loyalty_slug":"air-miles-en","card_slug":"bmo-air-miles-business-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":70,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":743,"name":"AIR MILES","slug":"air-miles-en","term_group":0,"term_taxonomy_id":743,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":9,"filter":"raw","term_order":"0"},"rewards_groceries":"0.08","rewards_gas_stations":"0.08","rewards_restaurants":"0.08","rewards_travel":"0.08","rewards_recurring_payments":"0.08","rewards_allspending":"0.08","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"19.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
No annual fee
-
3% cash back on groceries
-
Accepted at Costco
Learn More
- Welcome offer: Get 5% cash back in your first 3 months*
- Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
- Now earn the highest cash back on groceries in Canada without paying an annual fee!†
- Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred*
- No annual fee*.
- FREE additional cards
- Extended Warranty*
- Purchase Protection*
*Terms and conditions apply
†Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of June 1, 2022
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $15,000
- Household $15,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 19.99 %
Earning Rate
- Groceries3%
- Recurring Payments1%
- All Spending0.5%
Value
- Year 1 $358
- Year 2+ $258
Best For
Transfer Partners
- Cashback
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"100","welcome_bonus":"Up to $100 cash back","estimated_value":100,"mc_welcome_bonus_amount":"100","minimum_spending":"$1,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"},{"term_id":787,"name":"Drugstores","slug":"drugstores","term_group":0,"term_taxonomy_id":787,"taxonomy":"mc_best_for","description":"","parent":0,"count":17,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":47,"filter":"raw","term_order":"0"},{"term_id":38931,"name":"Balance transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":38931,"taxonomy":"mc_best_for","description":"","parent":0,"count":10,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"bmo-cashback-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash Back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"},{"term_id":46408,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":46408,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":10,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cashback","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":50,"filter":"raw","term_order":"0"},"rewards_groceries":"3","rewards_gas_stations":"0.5","rewards_restaurants":"0.5","rewards_travel":"0.5","rewards_recurring_payments":"1","rewards_allspending":"0.5","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"19.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
No annual fee
-
3% cash back on groceries
-
Accepted at Costco
Learn More
- The best cash back credit card for students
- Welcome offer: Get 5% cash back in your first 3 months*
- Then get:
- 3% cash back on grocery purchases,
- 1% cash back on recurring bill payments
- 0.5% unlimited cash back on all other purchases!*
- Now earn the highest cash back on groceries in Canada without paying an annual fee!†
- Get cash back every time you spend, plus start building a healthy credit history
- Receive a discount on car rentals*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply
†Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of June 1, 2022
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
Earning Rate
- Groceries3%
- Recurring Payments1%
- All Spending0.5%
Value
- Year 1 $358
- Year 2+ $258
Best For
Transfer Partners
- Cashback
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"100","welcome_bonus":"Up to $100 cash back","estimated_value":100,"mc_welcome_bonus_amount":"100","minimum_spending":"$1,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"},{"term_id":787,"name":"Drugstores","slug":"drugstores","term_group":0,"term_taxonomy_id":787,"taxonomy":"mc_best_for","description":"","parent":0,"count":17,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":47,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"bmo-cashback-mastercard-for-students"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash Back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cashback","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":50,"filter":"raw","term_order":"0"},"rewards_groceries":"3","rewards_gas_stations":"0.5","rewards_restaurants":"0.5","rewards_travel":"0.5","rewards_recurring_payments":"1","rewards_allspending":"0.5","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
No annual fee
-
Free Supplementary Cards
-
Accepted at Costco
Learn More
- Get 10% cash back on gas, office supplies and cell phone/internet bills for 3 months*
- Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments*
- 1.75% cash back at Shell®*
- You can now use your BMO Mastercard at Costco stores across Canada
- No annual fee*.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information *Terms and conditions apply
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
Earning Rate
- Gas1.5%
- Recurring Payments1.5%
- Telecom/Internet1.5%
Value
- Year 1 $359
- Year 2+ $234
Best For
Transfer Partners
- Cashback
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"125","welcome_bonus":"Up to $125 cash back","estimated_value":125,"mc_welcome_bonus_amount":"125","minimum_spending":"$5,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":794,"name":"Cellphone \/ Internet subscriptions","slug":"cell-internet","term_group":0,"term_taxonomy_id":794,"taxonomy":"mc_best_for","description":"","parent":0,"count":6,"filter":"raw","term_order":"0"},{"term_id":788,"name":"Office supplies","slug":"office","term_group":0,"term_taxonomy_id":788,"taxonomy":"mc_best_for","description":"","parent":0,"count":9,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":27,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"bmo-cashback-business-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash Back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":75,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cashback","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":50,"filter":"raw","term_order":"0"},"rewards_groceries":"0.75","rewards_gas_stations":"1.5","rewards_restaurants":"0.75","rewards_travel":"0.75","rewards_recurring_payments":"1.5","rewards_allspending":"0.75","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"19.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
No annual fee
-
Purchase Insurance
-
Accepted at Costco
Learn More
- Limited time offer: Get 1,500 AIR MILES Bonus Miles!*
- That’s enough for $150 towards purchases with AIR MILES Cash*
- Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred*
- Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store*.
- Get 1 Mile for every $25 spent everywhere else*
- Purchase Protection and Extended Warranty*
- Zero Liability Protection
- No annual fee*.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $15,000
- Household $15,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 19.99 %
Earning Rate
- AIR MILES partners0.12mile
- All Spending0.04mile
- Groceries0.04mile
Value
- Year 1 $283
- Year 2+ $110
Best For
Transfer Partners
- AIR MILES
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"158","welcome_bonus":"1,500 miles","estimated_value":172.5,"mc_welcome_bonus_amount":"1500","minimum_spending":"$1,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":65,"filter":"raw","term_order":"0"},{"term_id":787,"name":"Drugstores","slug":"drugstores","term_group":0,"term_taxonomy_id":787,"taxonomy":"mc_best_for","description":"","parent":0,"count":17,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":47,"filter":"raw","term_order":"0"},{"term_id":38931,"name":"Balance transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":38931,"taxonomy":"mc_best_for","description":"","parent":0,"count":10,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"air-miles-en","card_slug":"bmo-air-miles-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":70,"filter":"raw","term_order":"0"},{"term_id":46408,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":46408,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":10,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":743,"name":"AIR MILES","slug":"air-miles-en","term_group":0,"term_taxonomy_id":743,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":9,"filter":"raw","term_order":"0"},"rewards_groceries":"0.04","rewards_gas_stations":"0.04","rewards_restaurants":"0.04","rewards_travel":"0.04","rewards_recurring_payments":"0.04","rewards_allspending":"0.04","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"19.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
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No annual fee
-
Free Supplementary Cards
-
Accepted at Costco
Learn More
- Get 1,000 AIR MILES Bonus Miles – that’s enough for $100 towards your purchases with AIR MILES Cash!*
- Use any BMO AIR MILES credit card with your AIR MILES Collector Card when you pay for gas or shop in store.*
- Earn 1 AIR MILES Reward Mile on every $20 you spend*
- Plus – earn 1.25X the Miles for every $20 you spend at participating Shell stations*
- You can now use your BMO Mastercard at Costco stores across Canada
Legal
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information *Terms and conditions apply
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 19.99 %
- Cash Advance Rates 22.99 %
- Balance Transfer Rates 22.99 %
Earning Rate
- All Spending0.05mile
- Groceries0.05mile
- Gas0.05mile
Value
- Year 1 $253
- Year 2+ $138
Best For
Transfer Partners
- AIR MILES
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"118","welcome_bonus":"1,000 miles","estimated_value":115,"mc_welcome_bonus_amount":"1000","minimum_spending":"$3,000","minimum_spending_timeframe_months":"3 month(s)","best_for":[{"term_id":788,"name":"Office supplies","slug":"office","term_group":0,"term_taxonomy_id":788,"taxonomy":"mc_best_for","description":"","parent":0,"count":9,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":27,"filter":"raw","term_order":"0"},{"term_id":786,"name":"Gas stations","slug":"gas","term_group":0,"term_taxonomy_id":786,"taxonomy":"mc_best_for","description":"","parent":0,"count":47,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"air-miles-en","card_slug":"bmo-air-miles-no-fee-business-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":740,"name":"Travel Rewards","slug":"travel-points-en","term_group":0,"term_taxonomy_id":740,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":70,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":743,"name":"AIR MILES","slug":"air-miles-en","term_group":0,"term_taxonomy_id":743,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":9,"filter":"raw","term_order":"0"},"rewards_groceries":"0.05","rewards_gas_stations":"0.05","rewards_restaurants":"0.05","rewards_travel":"0.05","rewards_recurring_payments":"0.05","rewards_allspending":"0.05","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"19.99%","mc_cash_advance_rates":"22.99%","mc_balance_transfer_rates":"22.99%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"21.99%","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Credit card