BMO Credit Cards

BMO U.S. Dollar Mastercard®*

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*
Extended Warranty*
Purchase Protection*
Purchases: 21.99% | Cash advances: 23.99% (21.99% for Quebec residents) | Balance transfers: 23.99% (21.99% for Quebec residents)
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: $49
Intro Rate: N/A
Ongoing APR: 21.99% Variable

BMO CashBack® Mastercard®* (Student)

BMO CashBack® Mastercard®* (Student)

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*
Purchases: 21.99% | Cash advances: 23.99% (21.99% for Quebec residents) | Balance transfers: 23.99% (21.99% for Quebec residents)
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: $0
Intro Rate: N/A
Ongoing APR: 21.99 % Variable

BMO AIR MILES® Mastercard®*

BMO AIR MILES® Mastercard®*

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*
Purchases: 21.99% | Cash advances: 23.99% (21.99% for Quebec residents) | Balance transfers: 23.99% (21.99% for Quebec residents)
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: $0
Intro Rate: N/A
Ongoing APR: 21.99% Variable

BMO Preferred Rate Mastercard®*

BMO Preferred Rate Mastercard®*

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*
Purchases: 13.99% | Cash advances: 15.99% | Balance transfers: 15.99%
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: $29
Intro Rate: N/A
Ongoing APR: 13.99%

BMO VIPorter World Elite®* Mastercard®*

BMO VIPorter World Elite®* Mastercard®*

Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.*Plus no annual fee in your first year*
Earn 3 points for every $1 spent on Porter purchases*
Earn 2 points for every $1 spent on gas and transportation, Earn 2 points for every $1 spent on groceries and dining*, Earn 2 points for every $1 spent on hotel accommodations, Earn 1 point for every $1 spent everywhere else*
A round-trip companion pass per year*, 1 complimentary checked bag*, 1 complimentary carry-on bag on all Porter fare types*, Free PorterClassic seat selection*, Priority re-accommodation for flight delays*, Priority check-in, security, and early boarding*, No VIPorter points expiry*, Earn $1 of qualifying spend for every $25 spent*, *This benefit applies to up to 8 companions travelling on the same booking
Your BMO VIPorter credit card comes with comprehensive travel coverage including: 21-day out-of-province or country emergency medical insurance, Car rental-collision/loss damage insurance, Common carrier insurance, Flight delay insurance, Baggage insurance, Hotel burglary insurance*
Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.* Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register*
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
Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada *
Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.*
Shop with extended warranty and purchase protection.*
Purchases: 21.99% | Cash advances: 23.99% (21.99% for Quebec residents) | Balance transfers: 23.99% (21.99% for Quebec residents)
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: $199 (Annual fee waived in the first year)*
Intro Rate: N/A
Ongoing APR: 21.99%

BMO Ascend™ World Elite®* Mastercard®*

BMO Ascend™ World Elite®* Mastercard®*

Welcome offer: Get up to 90,000 points and the annual fee waived in the first year 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.*
Unforgettable travel experiences start with our premium flexible travel credit card!
Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
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)*
BMO Concierge Service*
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
Purchases: 21.99% | Cash advances: 23.99% (21.99% for Quebec residents) | Balance transfers: 23.99% (21.99% for Quebec residents)
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 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: $150
Intro Rate: N/A
Ongoing APR: 21.99% Variable

BMO CashBack® World Elite®* Mastercard®*

BMO CashBack® World Elite®* Mastercard®*

Welcome offer: Get up to $335 in additional cash back including 10% cash back in your first 3 months.* 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 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 Travel Pass provided by DragonPass.
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*
BMO Concierge Service*
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
Purchases: 21.99% | Cash advances: 23.99% (21.99% for Quebec residents) | Balance transfers: 23.99% (21.99% for Quebec residents)
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: $120
Intro Rate: N/A
Ongoing APR: 21.99% Variable

BMO VIPorter Mastercard®∗

BMO VIPorter Mastercard®∗

Welcome offer: Get up to $1,800 in value including 40,000 VIPorter points and a 35% off flight voucher.* Plus no annual fee in your first year*
Earn 2 points for every $1 spent on Porter purchases*
Earn 1 point for every $1 spent on gas and transportation, Earn 1 point for every $1 spent on groceries and dining*, Earn 1 point for every $1 spent on hotel accommodations, Earn 0.5 points for every $1 spent everywhere else*
Priority re-accommodation for flight delays*, Dedicated check-in*, Early boarding*, No VIPorter points expiry*, Earn $1 of Qualifying Spend for every $25 spent* *This benefit applies to up to 8 companions travelling on the same booking
Your BMO VIPorter credit card comes with comprehensive travel coverage including: 8-day out-of-province or country emergency medical insurance, Car rental-collision/loss damage insurance, Common carrier insurance, Flight delay insurance, Baggage insurance, Hotel burglary insurance*
Shop confidently with an extended warranty and purchase protection.*
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
Get 20% off admission to Cirque du Soleil shows touring Canada* and 15% off resident shows in Las Vegas
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada *
Get even more benefits: You may qualify for the BMO VIPorter World Mastercard tier of this card – which has the same fees and rates, but also includes experiences available only to World Mastercard cardholders.*
Purchases: 21.99% | Cash advances: 23.99% (21.99% for Quebec residents) | Balance transfers: 23.99% (21.99% for Quebec residents)
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: $89 (Annual fee waived in the first year)*
Intro Rate: N/A
Ongoing APR: 21.99%

BMO AIR MILES® World Elite®* Mastercard®*

BMO AIR MILES® World Elite®* Mastercard®*

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*
Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
Extended Warranty
Purchases: 21.99% | Cash advances: 23.99% (21.99% for Quebec residents) | Balance transfers: 23.99% (21.99% for Quebec residents)
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: $120
Intro Rate: N/A
Ongoing APR: 21.99 %

BMO CashBack® Mastercard®*

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!✝
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*
Purchases: 21.99% | Cash advances: 23.99% (21.99% for Quebec residents) | Balance transfers: 23.99% (21.99% for Quebec residents)
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: $0
Intro Rate: N/A
Ongoing APR: 21.99% Variable

BMO AIR MILES® Mastercard® (Student)

BMO AIR MILES® Mastercard® (Student)

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 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*
Purchases: 21.99% | Cash advances: 23.99% (21.99% for Quebec residents) | Balance transfers: 23.99% (21.99% for Quebec residents)
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: $0
Intro Rate: N/A
Ongoing APR: 21.99% Variable