
- 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 annual 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) |
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- 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
View More
View Less
Annual Fee:
$499
APR:
20.99%
Balance Transfer:
23.99%
Cash Advance:
23.99% (21.99% for Quebec residents)
Apply Now
on the BMO Bank of Montreal website

- 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) |
---|
- 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
View More
View Less
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
on the BMO Bank of Montreal website

- 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
View More
View Less
Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 20.99% | 22.99% | 22.99% (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
View More
View Less
Annual Fee:
$0
APR:
20.99%
Balance Transfer:
22.99%
Cash Advance:
22.99% (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*
- 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 | 20.99% | 22.99% | 22.99% (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
View More
View Less
Annual Fee:
$0
APR:
20.99%
Balance Transfer:
22.99%
Cash Advance:
22.99% (21.99% for Quebec residents)
Apply Now
on the BMO Bank of Montreal website

- 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 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 annual 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
View More
View Less
Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $120 | 20.99% | 23.99% | 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 year!*
- 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
View More
View Less
Annual Fee:
$120
APR:
20.99%
Balance Transfer:
23.99%
Cash Advance:
23.99% (21.99% for Quebec residents)
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*
- 25 payment grace days*
- Optional Employee Cards - empower employees with delegated purchasing authority*
- Use your card at Costco locations across Canada*
- 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
- 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 | 19.99% | 22.99% | 22.99% |
---|
- 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
View More
View Less
Annual Fee:
$0
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
22.99%
Apply Now
on the BMO Bank of Montreal website

- Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year*
- Get 3x the Miles for every $12 spent at participating AIR MILES Reward Partners* and 2x the Miles for every $12 spent at any eligible grocery store*.
- Earn 1 reward mile for every $12 in credit card purchases, everywhere you spend*
- Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
- Use your card at Costco*
- Extended Warranty
- Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
- 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*
- BMO Concierge Service*
- 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
View More
View Less
Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $120 | 20.99% | 22.99% | 23.99% (21.99% for Quebec residents) |
---|
- Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year*
- Get 3x the Miles for every $12 spent at participating AIR MILES Reward Partners* and 2x the Miles for every $12 spent at any eligible grocery store*.
- Earn 1 reward mile for every $12 in credit card purchases, everywhere you spend*
- Full credit card details
View More
View Less
Annual Fee:
$120
APR:
20.99%
Balance Transfer:
22.99%
Cash Advance:
23.99% (21.99% for Quebec residents)
Apply Now
on the BMO Bank of Montreal website