- No fee, Lifestyle, Rewards Get up to 25,000 bonus points in your first year.*
- Welcome offer: 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 - that's just 1,000 points per month!*
- 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months.*
- Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
- Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout.* Then get 1 point for every $2 spent on everything else!*
- 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
- Purchase Protection*
- Extended Warranty*
- Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- 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
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| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 21.99% | 23.99% (21.99% for Quebec residents) | 23.99% (21.99% for Quebec residents) |
|---|
BMO eclipse rise Visa* Card
- No fee, Lifestyle, Rewards Get up to 25,000 bonus points in your first year.*
- Welcome offer: 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 - that's just 1,000 points per month!*
- Full credit card details
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Annual Fee:
$0
APR:
21.99%
Balance Transfer:
23.99% (21.99% for Quebec residents)
Cash Advance:
23.99% (21.99% for Quebec residents)
Apply Now
on the BMO Bank of Montreal website
- Fee Rebate offer: Spend just $3,000 USD in one year on your card, and the annual fee for the following year is on us.*
- Free extended warranty and purchase protection.*
- Free extended warranty and purchase protection.* Zero Dollar Liability: protects you from unauthorized use of your credit card.*
- 24-hour, out-of-country emergency assistance with GlobalAssist™*
- Acceptance at over 30 million locations in the U.S., Canada and worldwide.
- Cash advances at over 1 million ATMs worldwide.
- 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
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| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $49 USD | 21.99% | 23.99% (21.99% for Quebec residents) | 23.99% (21.99% for Quebec residents) |
|---|
BMO U.S. Dollar Mastercard®*
- Fee Rebate offer: Spend just $3,000 USD in one year on your card, and the annual fee for the following year is on us.*
- Free extended warranty and purchase protection.*
- Free extended warranty and purchase protection.* Zero Dollar Liability: protects you from unauthorized use of your credit card.*
- 24-hour, out-of-country emergency assistance with GlobalAssist™*
- Full credit card details
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Annual Fee:
$49 USD
APR:
21.99%
Balance Transfer:
23.99% (21.99% for Quebec residents)
Cash Advance:
23.99% (21.99% for Quebec residents)
Apply Now
on the BMO Bank of Montreal website
- Get up to $650 in value including $40 cash back each month in your first year. Plus we’ll waive the $120 annual fee in the first year.1 Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
- 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*
- Plus, get 1% cash back on all other purchases* with no limit on how much cash back you can earn!
- Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool.*
- Purchase Protection*
- Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
- Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing – a $69/year value.
- BMO CashBack World Elite Travel and Medical Protection*, with 8-day out-of-province/out-of-country emergency medical benefits – up to $5 million in coverage, and more.
- Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.*
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- 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 January 4, 2023.
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| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $120 | 21.99% | 23.99% (21.99% for Quebec residents) | 23.99% (21.99% for Quebec residents) |
|---|
BMO CashBack® World Elite®* Mastercard®*
- Get up to $650 in value including $40 cash back each month in your first year. Plus we’ll waive the $120 annual fee in the first year.1 Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
- Earn more cash back on the categories that mean the most:
- 5% on groceries*
- 4% on transit including ride sharing, taxis and public transportation*
- Full credit card details
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Annual Fee:
$120
APR:
21.99%
Balance Transfer:
23.99% (21.99% for Quebec residents)
Cash Advance:
23.99% (21.99% for Quebec residents)
Apply Now
on the BMO Bank of Montreal website
- Get a 0% introductory interest rate on Balance Transfers for 9 months with a 0.99% transfer fee and we’ll waive the $29 annual fee for the first year.*
- Enjoy our lowest interest rate of 13.99% on purchases*
- Free extended warranty and purchase protection*
- Add another cardholder for free.*
- Zero Dollar Liability: protects you from unauthorized use of your credit card.*
- Zero Dollar Liability: protects you from unauthorized use of your credit card.*
- Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- 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
*Terms and conditions apply
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| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $29 | 13.99% | 15.99% | 15.99% |
|---|
BMO Preferred Rate Mastercard®*
- Get a 0% introductory interest rate on Balance Transfers for 9 months with a 0.99% transfer fee and we’ll waive the $29 annual fee for the first year.*
- Enjoy our lowest interest rate of 13.99% on purchases*
- Free extended warranty and purchase protection*
- Add another cardholder for free.*
- Full credit card details
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Annual Fee:
$29
APR:
13.99%
Balance Transfer:
15.99%
Cash Advance:
15.99%
Apply Now
on the BMO Bank of Montreal website
- Exclusive Offer: Get up to 5% cash back in your first 3 months. Plus, a $50 cash back bonus - that's up to $175 in cash back in your first year.*
- 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*
- Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account.*
- Extended Warranty*
- Purchase Protection*
- Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the car Rental Booking tool.*
- BMO Roadside Assistance
- †Based on a comparison of the non-promotional grocery rewards earn rate on cash back credit cards with no annual fee as of August 20, 2024.
- Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- 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 †Based on a comparison of the non-promotional grocery rewards earn rate on cash back credit cards with no annual fee as of August 20, 2024.
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| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 21.99% | 23.99% (21.99% for Quebec residents) | 23.99% (21.99% for Quebec residents) |
|---|
BMO CashBack® Mastercard®*
- Exclusive Offer: Get up to 5% cash back in your first 3 months. Plus, a $50 cash back bonus - that's up to $175 in cash back in your first year.*
- 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*
- Full credit card details
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Annual Fee:
$0
APR:
21.99%
Balance Transfer:
23.99% (21.99% for Quebec residents)
Cash Advance:
23.99% (21.99% for Quebec residents)
Apply Now
on the BMO Bank of Montreal website
- Welcome offer: Get 1,200 AIR MILES Bonus Miles!* That’s enough for $120 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.*
- Earn Miles over 10x faster than other AIR MILES collectors.*
- Get 3x the Miles for every $25 spent at participating AIR MILES Partners. Get 2x the Miles for every $25 spent at any eligible grocery store, wholesale club, membership-based retailer and alcohol retailer.*
- 2x the Miles for every $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.*
- Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both.*
- 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!
- Extended Warranty*
- Purchase Protection*
- Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- 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
View More
View Less
| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 21.99% | 23.99% (21.99% for Quebec residents) | 23.99% (21.99% for Quebec residents) |
|---|
BMO AIR MILES®† Mastercard®*
- Welcome offer: Get 1,200 AIR MILES Bonus Miles!* That’s enough for $120 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.*
- Earn Miles over 10x faster than other AIR MILES collectors.*
- Get 3x the Miles for every $25 spent at participating AIR MILES Partners. Get 2x the Miles for every $25 spent at any eligible grocery store, wholesale club, membership-based retailer and alcohol retailer.*
- Full credit card details
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Annual Fee:
$0
APR:
21.99%
Balance Transfer:
23.99% (21.99% for Quebec residents)
Cash Advance:
23.99% (21.99% for Quebec residents)
Apply Now
on the BMO Bank of Montreal website
- Get up to $1,150 in value including up to 70,000 Bonus points, monthly streaming statement credit, $50 statement credit, and no annual fee 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 anniversary lifestyle credit to spend however you want*
- Mobile Device Insurance that covers you for up to $1,000*
- Earn 10% more points when you add an authorized user to your account*
- Pay with Points by browsing your recent transactions & redeem your points for as little as $1
- Purchase Protection*
- Extended Warranty*
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- 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
View More
View Less
| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $120 | 21.99% | 23.99% (21.99% for Quebec residents) | 23.99% (21.99% for Quebec residents) |
|---|
BMO eclipse Visa Infinite* Card
- Get up to $1,150 in value including up to 70,000 Bonus points, monthly streaming statement credit, $50 statement credit, and no annual fee 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 anniversary lifestyle credit to spend however you want*
- Full credit card details
View More
View Less
Annual Fee:
$120
APR:
21.99%
Balance Transfer:
23.99% (21.99% for Quebec residents)
Cash Advance:
23.99% (21.99% for Quebec residents)
Apply Now
on the BMO Bank of Montreal website