
- 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
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) |
---|
- 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

- 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
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) |
---|
- 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

- Welcome offer: Get up to 10% cash back in your first 3 months and earn an additional $75 cash back bonus when you spend $25,000 in your first year. Plus, we'll waive the $120 annual fee 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
- Extended Warranty Plus*
- Purchase Protection Plus*
- Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*
- 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.
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) |
---|
- Welcome offer: Get up to 10% cash back in your first 3 months and earn an additional $75 cash back bonus when you spend $25,000 in your first year. Plus, we'll waive the $120 annual fee in the first year.**
- Earn more cash back on the categories that mean the most:
- 5% on groceries*
- Full credit card details

- Welcome Offer: Get a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.*
- 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
Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $29 | 13.99% | 15.99% | 15.99% |
---|
- Welcome Offer: Get a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.*
- Enjoy our lowest interest rate of 13.99% on purchases*
- Free extended warranty and purchase protection*
- Full credit card details

- Welcome Offer: Get 1,200 AIR MILES Bonus Miles‡ (that’s enough for $120 towards purchases with AIR MILES Cash) and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.§
- Earn over 10x faster than other AIR MILES collectors**: 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*.
- 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!
- Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
- Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.
- No annual fee*
- Receive a discount on car rentals*
- 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
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) |
---|
- Welcome Offer: Get 1,200 AIR MILES Bonus Miles‡ (that’s enough for $120 towards purchases with AIR MILES Cash) and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.§
- Earn over 10x faster than other AIR MILES collectors**: 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*.
- 2x the Miles for every $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers.
- Full credit card details

- Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash*
- Get 3x the Miles for every $25 spent at participating AIR MILES Reward 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*
- Get AIR MILES back every time you spend, plus start building a healthy credit history
- Best BMO AIR MILES Mastercard for Students
- 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
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) |
---|
- Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash*
- Get 3x the Miles for every $25 spent at participating AIR MILES Reward Partners* and 2x the Miles for every $25 spent at any eligible grocery store*.
- Get 1 Mile for every $25 spent everywhere else*
- Full credit card details

- 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*
- 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.
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) |
---|
- 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!†
- Full credit card details

- Welcome offer: Get up to 90,000 points and the annual fee waived in your first anniversary 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.
- 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*
- Best-in-class travel and medical insurance (unlimited trips per year)*
- 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
*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 | 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) |
---|
- Welcome offer: Get up to 90,000 points and the annual fee waived in your first anniversary 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!†
- Full credit card details

- 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*
- 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*
- 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 †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.
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) |
---|
- 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!†
- Full credit card details

- Welcome offer: Get up to 120,000 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
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) |
---|
- Welcome offer: Get up to 120,000 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

- Welcome offer: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year - that's a $570 value in 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*
- 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
- 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 | 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) |
---|
- Welcome offer: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year - that's a $570 value in 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*
- Full credit card details

- Welcome Offer: Get 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for 3 months1 and a 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*
- Get 1.75% cash back on purchases at Shell®†† gas stations
- 0.75% cash back on all other card purchases*
- Get up to 7 cents off per litre on all Shell®± fuel*
- 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 | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 20.99% | 23.99% | 23.99% |
---|
- Welcome Offer: Get 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for 3 months1 and a 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*
- Get 1.75% cash back on purchases at Shell®†† gas stations
- Full credit card details

- Welcome Offer: Get 1,000 AIR MILES Bonus Miles - That's enough for over $100 towards your purchases with AIR MILES Cash!*
- Earn 1 AIR MILES Reward Mile on every $20 you spend*
- Plus - get 1.25X the Miles for every $20 you spend at participating Shell stations*
- Get up to 7 cents off per litre on all Shell®± fuel*
- 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 | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 20.99% | 23.99% | 23.99% |
---|
- Welcome Offer: Get 1,000 AIR MILES Bonus Miles - That's enough for over $100 towards your purchases with AIR MILES Cash!*
- Earn 1 AIR MILES Reward Mile on every $20 you spend*
- Plus - get 1.25X the Miles for every $20 you spend at participating Shell stations*
- Full credit card details

- Welcome offer: Get up to $1,000 in value including up to 7,000 AIR MILES Bonus Miles and no annual fee in your 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!
- 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!
- Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
- Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
- BMO AIR MILES World Elite Travel and Medical Protection*
- Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
- 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
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) |
---|
- Welcome offer: Get up to $1,000 in value including up to 7,000 AIR MILES Bonus Miles and no annual fee in your 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*
- Full credit card details

- 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.*
- No annual fee for the first year*
- Get 1 Mile for every $12 you spend*
- Get 4x the Miles when you use your card at participating AIR MILES partners
- 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
- Complimentary membership in Mastercard Travel Pass provided by DragonPass.
- 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.
Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $149 | 20.99% | 23.99% | 23.99% |
---|
- 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.*
- No annual fee for the first year*
- Get 1 Mile for every $12 you spend*
- Full credit card details