- Welcome offer: Get up to 25,000 bonus points by your first anniversary!* Get 20,000 points when you spend $1,500 - that's a $133 value in your first 3 months!* Plus, earn up to 5,000 bonus points: - 2,500 points for setting up your digital wallet and 2,500 points for setting up pre-authorized payments in the first 3 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
- Welcome offer: Get up to 25,000 bonus points by your first anniversary!* Get 20,000 points when you spend $1,500 - that's a $133 value in your first 3 months!* Plus, earn up to 5,000 bonus points: - 2,500 points for setting up your digital wallet and 2,500 points for setting up pre-authorized payments in the first 3 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*
- 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
- Get up to $2,300 in value including up to 200,000 points, Visa Airport Companion Program membership & 6 Complimentary Lounge Passes, NEXUS Statement Credit, $200 Statement Credit and earn 25% more points when you add another cardholder. Plus, get 0%s introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.
- 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*
- Mobile Device Insurance that covers you for up to $1,000*
- Earn 25% 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
- Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
- 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*
- 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
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| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $599 | 21.99% | 23.99% (21.99% for Quebec residents) | 23.99% (21.99% for Quebec residents) |
|---|
BMO eclipse Visa Infinite Privilege* Card
- Get up to $2,300 in value including up to 200,000 points, Visa Airport Companion Program membership & 6 Complimentary Lounge Passes, NEXUS Statement Credit, $200 Statement Credit and earn 25% more points when you add another cardholder. Plus, get 0%s introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.
- 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*
- Full credit card details
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Annual Fee:
$599
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 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 cash back every time you spend, plus start building a healthy credit history
- Best BMO CashBack Mastercard for Students
- 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*
- No Annual fee*
- Extended Warranty*
- Purchase Protection*
- Receive a discount on car rentals*
- 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 January 4, 2023.
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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®* 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 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 cash back every time you spend, plus start building a healthy credit history
- 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 $1,600 in value including up to 100,000 points, Mastercard Travel Pass & 4 Complimentary Lounge Passes, NEXUS Statement Credit and the annual fee waived in the first year for both the primary cardholder and authorized users.* Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.∆∆∆
- 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.*
- Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
- Extended Warranty*
- Purchase Protection*
- BMO Ascend World Elite Total Travel and Medical Protection: Get Collision Damage Waiver benefits on rental cars, 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*
- 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
*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.
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| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $150 | 21.99% | 23.99% (21.99% for Quebec residents) | 23.99% (21.99% for Quebec residents) |
|---|
BMO Ascend™ World Elite®* Mastercard®*
- Get up to $1,600 in value including up to 100,000 points, Mastercard Travel Pass & 4 Complimentary Lounge Passes, NEXUS Statement Credit and the annual fee waived in the first year for both the primary cardholder and authorized users.* Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.∆∆∆
- 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.*
- Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
- Extended Warranty*
- Full credit card details
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Annual Fee:
$150
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