- 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.
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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!†
- 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 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.
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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®*
- 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
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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
- 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.
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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®*
- 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
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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 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
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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
- 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
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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 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.
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| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $149 | 20.99% | 23.99% | 23.99% |
|---|
BMO AIR MILES®† World Elite®* Business Mastercard®*
- 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
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Annual Fee:
$149
APR:
20.99%
Balance Transfer:
23.99%
Cash Advance:
23.99%
Apply Now
on the BMO Bank of Montreal website
- 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.
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| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 20.99% | 23.99% | 23.99% |
|---|
BMO CashBack® Business Mastercard®*
- 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
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Annual Fee:
$0
APR:
20.99%
Balance Transfer:
23.99%
Cash Advance:
23.99%
Apply Now
on the BMO Bank of Montreal website
- 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.
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| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 20.99% | 23.99% | 23.99% |
|---|
BMO® AIR MILES®† No-Fee Business® Mastercard®*
- 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
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Annual Fee:
$0
APR:
20.99%
Balance Transfer:
23.99%
Cash Advance:
23.99%
Apply Now
on the BMO Bank of Montreal website