Compare Credit Cards in Canada

Welcome offer: Get up to 120,000 points worth $800 in travel rewards and a $200 anniversary lifestyle credit when you reach your first anniversary

• 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 Anniversary 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*

• Welcome offer: Get up to 100,000 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.*
• Memorable journeys begin with our premium flexible travel credit card!
• Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
• 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)*

• Welcome Offer: Get up to 70,000 points worth $467 in travel rewards, a $50 anniversary lifestyle credit and the $120 annual fee waived in the first year – that’s a $637 value achieved by your first anniversary!
• 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 Anniversary 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

Welcome offer:

• Earn up to 100,000 BMO Rewards points in the first year – that’s a $669 value.
• In addition, the $149 annual fee is waived in the first year*!
• 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*

• 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 7 cents off per litre on all Shell^®± fuel*
• 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*

• 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
• 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

• Limited-time offer: Earn up to 3,000 bonus miles. That’s enough for $310 towards purchases with AIR MILES Cash!* Plus, get the $120 annual fee waived for the first year.

• Earn over 10x faster than other AIR MILES collectors*:
  • Get 3x the Miles for every $12 spent at participating AIR MILES Partners and
  • 2x the Miles for every $12 spent at any eligible grocery store*.
  • 2x the Miles for every $12 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers*
  • Plus, 1 Mile for every $12 that you spend with your credit card everywhere else*
• Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
• Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
• Use fewer miles with our exclusive 25% discount on an AIR MILES flight to any destination during the calendar year*.
• Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
• Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada

• 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 a year.*
• Get 4x the Miles when you use your card at participating AIR MILES partners
• Get 1 Mile for every $12 you spend*
• Get up to 7 cents off per litre on all Shell^®± fuel*
• 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)

Get up to 25,000 bonus points – that’s a $133 value in your first anniversary!*

• Get 20,000 points when you spend $1,500 in the first 3 months – that’s a $133 value!*
• Plus, earn up to 5,000 bonus points every year.
  • 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points
  • 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months
• Earn 5 points for every $2 spent on recurring bills, groceries, dining, and takeout*
• Get 1 point for every $2 spent on everything else!*
• Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
• 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
• Receive a discount on car rentals*
• Purchase Protection*
• Extended Warranty*

• 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*

• 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*

Welcome offer:

• Get 10% cash back on gas, office supplies and cell phone/internet bills for 3 months*
• 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*

• 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®*
• Get up to 7 cents off per litre on all Shell^®± fuel*
• You can now use your BMO Mastercard at Costco stores across Canada
• No annual fee*.

• Limited-time offer: Earn up to 1,500 AIR MILES bonus miles! That’s enough for $150 towards purchases with AIR MILES Cash.*

• Earn over 10x faster than other AIR MILES collectors*:
  • Get 3x Miles for every $25 spent at participating AIR MILES partners;
  • 2x Miles for every $25 spent at any eligible grocery store;
  • 2x Miles per $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers;
  • Plus, 1 Mile for every $25 that you spend with your credit card everywhere else.

• Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
• Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
• Purchase Protection and Extended Warranty*
• Zero Liability Protection
• No annual fee*.