Looking for the best BMO Bank of Montreal credit card in Canada? You’ve got this.

 

Find the right credit card.

Get Started
  • Card Type
  • Credit Needed
  • Rewards Type
  • Financial Institution
  • More Filters
See More Credit Cards

Recommended BMO Bank of Montreal credit cards.

BMO offers a lot of choice when it comes to its credit cards. The big Canadian bank boasts strong offerings no matter what you’re looking for in a credit card; whether that’s a best-in-class cashback rate or competitive travel rewards. Check out a few of BMO’s top cards.

Most popular BMO cards.

“World Elite Rewards” says it all. If you want to travel in style and earn rewards along the way, choose the BMO World Elite™* Mastercard®*. It’s a rewards card that can compete with the best, offering credit card holders 2 BMO Rewards points for every $1 spent on the card — that’s 2% back in travel rewards. And if those perks aren’t enough, BMO is currently offering a welcome bonus of 30,000 rewards points — 25,000 points when you spend $3,000 in the first 3 months, plus 5,000 points on your first anniversary. So kick back in VIP airport lounges around the world (you get exclusive access) and fly on any airline without worrying about blackout dates — the BMO World Elite™* Mastercard®* has your back.  

BMO World Elite Rewards MasterCard

BMO World Elite™* Mastercard®*

Apply Now See Card Details
Annual fee $0 $150 after the first year
Rewards rate 3 BMO rewards points for every $1 spent on travel, dining, and entertainment. 2 BMO rewards points for $1 spent on everything else.
Bonus offer Not available.
Interest rate 19.99%

Sometimes, you just need the basics: good rewards and a $0 fee. The BMO CashBack® Mastercard®* offers a competitive cashback rate without asking you to fork over a portion of those earnings to cover an annual fee. Get up to 5% cashback in your first 3 months and a 1.99% introductory interest rate on balance transfers for 9 months with a 1% transfer fee. So if you need a basic, no-strings-attached cash back card, try this one.

BMO® CashBack® MasterCard®

BMO CashBack® Mastercard®*

Apply Now See Card Details
Annual fee $0
Rewards rate 3% cash back on groceries, 1% cash back on recurring bill payments, 0.5% cash back on everything else
Bonus offer Up to 5% cashback in your first 3 months
Interest rate 19.99%

Best BMO cash back card.

If you’re looking for the cream of the crop in cashback cards, look no further than the BMO CashBack® World Elite™* Mastercard®*. This card offers 0.5% cashback on all purchases — with no restrictions. offers a competitive cashback rate. You also earn 5% on groceries, which is the highest earn rate on groceries than any other card at the moment. After that, you'll get 4% on transportation, 3% on gas or EV charging, 2% recurring bill payments, and unlimited 1% cashback on anything else. And if those great benefits aren’t enough, cardholders also get access to 24/7 customer service, extended warranty, rental car discounts, a roadside assistance program, and more. The best part? The $120 annual fee is waived for the first year.

BMO® CashBack® World Elite® MasterCard®

BMO CashBack® World Elite™* Mastercard®*

Apply Now See Card Details
Annual fee $0 $120 after the first year.
Rewards rate 5% cash back for the first 3 months; after that, 3% cash back on groceries, 1% on recurring bills and 0.5% on everything else
Bonus offer Not available
Interest rate 19.99%

Best BMO travel rewards cards.

The premium travel rewards card for Air Miles members. If you love to travel, you’re going to love the BMO AIR MILES®† World Elite™* Mastercard®*. It’s relatively new, but it has quickly established itself as one of the top Air Miles cards on the market. The reason? Spending on this card is one of the fastest ways to collect Air Miles: you earn 1 Air Miles reward mile for every $10 you spend on your credit card — no restrictions. Plus, for a limited time, the sign-up bonus will get you an additional 2,000 Air Miles bonus miles. Use any BMO AIR MILES credit card with your AIR MILES Card when you shop at Sobeys, Safeway, Foodland and participating co-ops, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry. On top of that, cardholders get 15% discount on Air Miles flights in North America, with no blackout periods.

BMO® CashBack® World Elite® MasterCard®

BMO AIR MILES®† World Elite™* Mastercard®*

Apply Now See Card Details
Annual fee $0
Rewards rate 1 AIR MILES reward mile for every $10 spent.
Bonus offer 3X the AIR MILES for every $12 spent at participating retailers.
Interest rate 19.99%

A basic, no-frills travel rewards card for Air Miles members. The BMO AIR MILES®† Mastercard®* is a classic in the travel category. Cardholders earn 1 Air Miles reward mile for every $10 spent on their credit card, plus three times the reward miles when using their BMO Mastercard and Air Miles collector card at Air Miles sponsored locations. This card has no annual fee and offers all the usual non-reward perks: extended warranty, purchase protection, rental car discounts, and more. Use any BMO AIR MILES credit card with your AIR MILES Card when you shop at Sobeys, Safeway, Foodland and participating co-ops, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry.

BMO® AIR MILES® MasterCard®

BMO AIR MILES®† Mastercard®*

Apply Now See Card Details
Annual fee $0
Rewards rate3x the Miles for every $25 spent at AIR MILES partners. 1 AIR MILES reward mile for every $25 spent.
Bonus offer Up to 800 AIR MILES Bonus Miles.
Interest rate 19.99%

The BMO advantage.

Meet BMO, the fourth-largest of Canada’s Big Five Banks. BMO, known for its robust credit card portfolio and its strong alliance with Mastercard, offers Canadian credit card shoppers plenty of choice. It also gives them more opportunities to collect rewards, including Air Miles. BMO has a strong partnership with the popular loyalty program and offers you a wealth of credit card options if you want earn more Air Miles.

Here are some of the other great benefits you’ll get when you choose a BMO credit card.

Apple Pay

BMO has made paying with your credit card even easier. Its cards are accessible via Apple Pay, which means you can add your BMO credit card to your Apple device and enjoy the security and convenience of paying from your mobile device.

Award-winning mobile banking app

Tracking your credit card use just got easier. The BMO app lets you do everything on the go, including view your accounts and account activity, pay your bills, transfer money between accounts, send Interac e-Transfers®, access your credit card statements, and more.

BMO Rewards

Two of BMO’s most popular credit cards, the BMO Rewards® Mastercard and the BMO World Elite™* Mastercard®*, give you access to BMO’s exclusive rewards program. The program lets you collect points that can be redeemed for flights, hotels, merchandise, and gift cards. You also have the option to use your rewards points to contribute to a BMO Investment Account or make a charitable donation.

Rewards partnerships

Need more credit card rewards in your life? BMO has partnerships with two major loyalty programs: Air Miles and SPC. So whether you’re an avid traveller who’s always thinking about the next getaway or a student on the hunt for great discounts, BMO has a card for you.

Air Miles

As one of Canada’s oldest and best recognized loyalty programs, Air Miles integrates with hundreds of companies. Check out the  BMO AIR MILES®† Mastercard®* or the BMO AIR MILES®† World Elite™* Mastercard®* to start earning Air Miles that you can use toward discounts on flights, hotels, and more.

SPC

The Student Price Card (SPC) offers exclusive deals and discounts at hundreds of retailers and restaurants, and it’s one of the leading loyalty programs in the country. With most SPC discounts ranging from 10-15%, it’s a great option for frugal students and first-time credit card holders. Try the BMO SPC®† CashBack® Mastercard®* for a no-fee card option that gives you all the benefits of an SPC card, plus a 1% cash back rate on all purchases.

About BMO

Formed in 1817, the Bank of Montreal (BMO) is Canada's oldest bank. It was the first bank to adopt branch banking, quickly establishing outposts in Kingston, Ont. and Quebec City. The institution became a major force in central Canada when it merged with Molson Bank in 1925, expanding its reach deep into Ontario. The bank then went on to national prominence, expanding from coast to coast in the decades that followed and gaining a significant footprint in the U.S. In 1977, the Bank of Montreal later moved its headquarters to Toronto, which was quickly dethroning Montreal as the centre of Canadian finance. Explore our BMO card offers above.

Credit card news

Read More Like This