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BMO CashBack® Mastercard®*

Annual fee $0
Rewards rate 0.5% Cash back
Bonus offer 5% Cash back (first 3 months)
Purchase interest rate 19.99%
Balance transfer interest rate 1.99% 22.99% after 9 months
Cash advance interest rate 22.99% 21.99% for Quebec residents

BMO Preferred Rate Mastercard®*

Annual fee $20 Waived in the first year
Rewards rate N/A
Bonus offer 3.99% Interest rate on balance transfers (first 9 months)
Purchase interest rate 12.99%
Balance transfer interest rate 3.99% 12.99% after 9 months
Cash advance interest rate 12.99% 21.99% for Quebec residents

BMO World Elite™* Mastercard®*

Annual fee $150 $0 for the first year
Rewards rate 3 Points per $1 spent on eligible purchaes
Bonus offer 30,000 Welcome bonus points
Purchase interest rate 20.99%
Balance transfer interest rate 22.99%
Cash advance interest rate 22.99% 21.99% for Quebec residents

BMO Rewards® Mastercard

Annual fee $0
Rewards rate 1 BMO Rewards point per $1 spent
Bonus offer 10,000 BMO Rewards welcome points
Purchase interest rate 19.99%
Balance transfer interest rate 1.99% 22.99% after 9 months
Cash advance interest rate 22.99% 21.99% for Quebec residents

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

Annual fee $120 Annual fee waived in the first year
Rewards rate 3x Mile for every $12 spent at participating AIR MILES Reward Partners.*
Bonus offer 2,000 Bonus Air Miles
Purchase interest rate 20.99%
Balance transfer interest rate 22.99%
Cash advance interest rate 22.99% 21.99% for Quebec residents

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.

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