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BMO Bank of Montreal Credit Cards

The Bank of Montreal, commonly referred to as BMO, was founded in 1817 as the first Canadian bank. BMO is one the Canada’s “big five” banks and serves several markets including personal banking, investing, and wealth management. The bank has more than 900 branches, serving over seven million customers. BMO offers a wide variety of credit card products including low rate cards, cash back, and rewards cards.

Showing 1 - 7 of 16 cards | View All
  • 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*
  • 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 20.99% 0.99% introductory interest rate with 2% fee* 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!*
  • Full credit card details
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Annual Fee:
$0
APR:
20.99%
Balance Transfer:
0.99% introductory interest rate with 2% fee*
Cash Advance:
23.99% (21.99% for Quebec residents)
Apply Now
  • The ideal way to travel and shop – or buy online – from U.S. retailers
  • Shop with no exchange rate surprises.
  • 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*
  • Extended Warranty*
  • Purchase Protection*
  • 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 20.99% 22.99% 22.99% (21.99% for Quebec residents)
BMO U.S. Dollar Mastercard®*
  • The ideal way to travel and shop – or buy online – from U.S. retailers
  • Shop with no exchange rate surprises.
  • 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*
  • Full credit card details
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Annual Fee:
$49
APR:
20.99%
Balance Transfer:
22.99%
Cash Advance:
22.99% (21.99% for Quebec residents)
Apply Now
  • Welcome Offer: Get over $1,500 in value!* This includes up to 100,000 BMO Rewards Points – that’s a $669 value in the first year.*
  • 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*
  • No 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*
  • Get up to 7 cents off per litre on all Shell®± fuel*
  • 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)
  • Use your card at Costco locations across Canada*
  • Travel Protection*
  • Our Liability Waiver Program protects your business against employee card abuse*
  • Get cash advances at any BMO Bank of Montreal branch or at more than 1 million ATMs worldwide*
  • Worldwide Acceptance
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*
  • 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.

a) The value of up to $1,520 could be earned in the first year of Account opening and is based on the combined total value of:
· $149: The annual fee waiver for the first year.

· $182: Complimentary membership ($68) in Mastercard Travel Pass provided by DragonPass and two complimentary passes ($32 each) at an approximate exchange rate of $1.38 USD as of November 1, 2023 ($132 USD = $182 CAD).

· $520: Five free virtual care visits on Maple shared by you ($520 based on the approximate annual value of 5 GP / mental health therapy visits).

· $669: 100,000 BMO Rewards points based on the following requirements:

o First-Use Bonus of 20,000 BMO Reward points earned when you make your first purchase with your card in the first 75 days after the account open date.

o Monthly Bonus Offer: 8,000 BMO Reward Points per month when you spend at least $3,000 per month within month 3 – 12 (Month 3 starts on Day 76 and Month 12 ends Day 375) after the account open date.

b) BMO World Elite Business Mastercard applications must be received between June 3, 2024 and December 13, 2024 (the “Offer Period”) to be eligible for this offer. 20,000 BMO Rewards points will be applied to your BMO Rewards Collector Account only after the first eligible Purchase is made on the account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first 75 days after the account open date, as long your account is open and in good standing at the time you qualify for the points. 20,000 BMO Rewards first-use bonus points will be credited to your Collector Account within three (3) business days following the qualifying spend. Receive additional 8,000 BMO monthly Rewards points after you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) per month within month 3 – 12 (Month 3 starts on Day 76 and Month 12 ends Day 375) after the account open date, as long your account is open and in good standing at the time you qualify for the additional points. BMO Rewards monthly bonus points will be credited to your Collector Account within seven (7) business days following the qualifying $3,000 net monthly spend. The primary cardholder’s annual fee of $149 will be rebated in the first year and will appear as a fee and a credit on the primary cardholder’s first statement. The primary cardholder’s annual card fee applies after the first year and will appear on your account statement twelve (12) months after the account open date. Your credit card account must be open and in Good Standing at the time the annual card fee rebate is awarded. If an additional cardholder is added to the account within the first year, the Additional Card annual fee of $50 per card will be charged at a prorated rate and will not be waived or rebated. This offer is not available to current or former BMO World Elite Business Mastercard cardholders who reinstate a closed account or open a new account during the “Offer Period”. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. If you receive points in error, we reserve the right to deduct them from your points balance. This offer may be withdrawn or changed without notice.

c) You can redeem for travel rewards at bmorewards.com or by calling the BMO Rewards Centre. Points can be used to cover any applicable taxes and fees. If you don’t have enough points to redeem a particular travel reward, you can top up the number of points you need by purchasing those points on your card. There is no maximum top up amount for travel rewards. There is no online booking fee. We charge fees plus applicable taxes for each phone reservation, modification or cancellation of a travel reservation. For fees, please see the Important Information enclosure that is provided with your BMO credit card and any notice that we may provide you. Supplier fees for each change or cancellation to your travel arrangements may also apply and will be disclosed at the time of booking based on your specific travel reservation. Booking fees, change fees and cancellation fees are non-refundable. All travel rewards are subject to availability. Additional points or cash can be used to pay for all or a portion of the flight taxes and fees or a higher value flight.

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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$149 17.99% 22.99% 22.99%
BMO World Elite®* Business Mastercard®*
  • Welcome Offer: Get over $1,500 in value!* This includes up to 100,000 BMO Rewards Points – that’s a $669 value in the first year.*
  • 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*
  • No annual fee for the first year*
  • Full credit card details
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Annual Fee:
$149
APR:
17.99%
Balance Transfer:
22.99%
Cash Advance:
22.99%
Apply Now
  • Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first anniversary*
  • 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
  • Extended Warranty Plus*
  • Purchase Protection Plus*
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*
  • Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
  • Complimentary Roadside Assistance Program*
  • 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 January 4, 2023.
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$120 20.99% 23.99% 23.99% (21.99% for Quebec residents)
BMO CashBack® World Elite®* Mastercard®*
  • Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first anniversary*
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Annual Fee:
$120
APR:
20.99%
Balance Transfer:
23.99%
Cash Advance:
23.99% (21.99% for Quebec residents)
Apply Now
  • Welcome Offer: Get a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee and we'll waive the $29 annual fee in your first anniversary*
  • Enjoy our lowest interest rate of 13.99% on purchases*
  • Free extended warranty and purchase protection*
  • Zero Dollar Liability: protects you from unauthorized use of your credit card*
  • Worldwide acceptance at over 30 million locations*
  • 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% 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee 15.99%
BMO Preferred Rate Mastercard®*
  • Welcome Offer: Get a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee and we'll waive the $29 annual fee in your first anniversary*
  • Enjoy our lowest interest rate of 13.99% on purchases*
  • Free extended warranty and purchase protection*
  • Full credit card details
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Annual Fee:
$29
APR:
13.99%
Balance Transfer:
0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee
Cash Advance:
15.99%
Apply Now
  • 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 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*
  • 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
$499 20.99% 23.99% 23.99% (21.99% for Quebec residents)
BMO eclipse Visa Infinite Privilege* Card
  • 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*
  • Full credit card details
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Annual Fee:
$499
APR:
20.99%
Balance Transfer:
23.99%
Cash Advance:
23.99% (21.99% for Quebec residents)
Apply Now
  • Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 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*
  • Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both*
  • No annual fee*
  • Receive a discount on car rentals*
  • Extended Warranty*
  • Purchase Protection*
  • 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 20.99% 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee 22.99% (21.99% for Quebec residents)
BMO AIR MILES®† Mastercard®*
  • Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 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*.
  • Full credit card details
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Annual Fee:
$0
APR:
20.99%
Balance Transfer:
0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee
Cash Advance:
22.99% (21.99% for Quebec residents)
Apply Now