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BMO Bank of Montreal credit cards

Compare credit cards offered by BMO, one of Canada’s largest banks.

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Showing 1 — 6 of 6
Annual fee $0
Rewards rate 1 Air Miles reward mile per $20 spent
Bonus offer 500 Bonus Air Miles
Card details
Network
Mastercard
Provider
BMO Bank of Montreal
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
1.99%
22.99 after 9 months
Card description
  • Welcome Offer: Get 500 AIR MILES Bonus Miles*
  • Then get 1 reward mile for every $20 in purchases*
  • Get a 1.99% introductory interest rate on Balance Transfers for 9 months*
  • No annual fee*
  • Minimum 15K individual household income*
  • Use your BMO MasterCard and AIR MILES Collector Card at AIR MILES sponsored locations to earn 2x reward miles*
  • Get up to 25% off rentals at National Car Rental and Alamo Rent A Car*
  • FREE additional cards
  • 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
Features
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
  • Travel Benefits
Annual fee $20
Rewards rate N/A
Bonus offer 3.99% Interest rate on balance transfers (first 9 months)
Card details
Network
Mastercard
Provider
BMO Bank of Montreal
Credit needed
Fair
Fees and interest
Annual fee
$20
Purchase interest rate
11.90%
17.5% without $20 annual fee
Cash advance rate
11.90%
17.5% without $20 annual fee
Balance transfer rate
3.99%
11.9% after 9 months
Card description
  • Welcome Offer: Get a 3.99% introductory interest rate on Balance Transfers for 9 months*
  • Enjoy our lowest interest rate of 11.9+% on purchases and cash advances*
  • Minimum 15K individual household income*
  • 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*
  • 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
Features
  • Extended Warranty
  • Purchase Protection
Annual fee $0
Rewards rate 1% Cash back on all purchases
Bonus offer 4% Cash back (first 4 months)
Card details
Network
Mastercard
Provider
BMO Bank of Montreal
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Welcome Offer: Get 4% cash back on every purchase (up to $125 cash back) in your first 4 months*
  • Get 1% cash back on all other card purchases with no restrictions*
  • No annual fee*
  • Minimum 15K individual household income*
  • Get up to 25% off rentals at National Car Rental and Alamo Rent A Car*
  • FREE additional cards
  • 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
Features
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
Annual fee $0 $120 after the first year
Rewards rate 1 Air Miles reward mile per $10 spent
Bonus offer 3,000 Bonus Air Miles
Card details
Network
Mastercard
Provider
BMO Bank of Montreal
Credit needed
Excellent
Fees and interest
Annual fee
$0
$120 after the first year
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Limited Time: $120 annual fee waived in the first year*
  • Welcome Offer: Get up to 3,000 AIR MILES Bonus Miles*
  • Earn 1 AIR MILES reward mile for every $10 in credit card purchases, everywhere you spend*
  • Exclusive 15% Flight Discount on all AIR MILES flights in North America with no blackout periods*
  • Minimum 80K individual or 150K household income*
  • Exclusive access to VIP Airport Lounges worldwide (over $150 US/year value)*
  • BMO AIR MILES World Elite Travel and Medical Protection*
  • Complimentary Roadside Assistance Program*
  • FREE additional cards
  • Extended Warranty*
  • Purchase Protection*
  • BMO Concierge Service*
  • 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
Features
  • 24/7 Customer Service
  • Airport Lounge Access
  • Extended Warranty
  • Flight Discounts
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
  • Roadside Assistance Program
  • Travel Benefits
Annual fee $120
Rewards rate 1.5% Cash back on all purchases
Bonus offer 4% Cash back (first 4 months)
Card details
Network
Mastercard
Provider
BMO Bank of Montreal
Credit needed
Excellent
Fees and interest
Annual fee
$120
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Welcome Offer: Get 4% cash back on every purchase (up to $250 cash back) in your first 4 months*
  • Earn 1.5% CashBack on ALL purchases* without restrictions*!
  • Minimum 80K individual or 150K household income
  • Get up to 25% off rentals at National Car Rental and Alamo Rent A Car
  • BMO CashBack World Elite Travel and Medical Protection*
  • Complimentary Roadside Assistance Program*
  • FREE additional cards
  • Extended Warranty Plus*
  • Purchase Protection Plus*
  • BMO Concierge Service*
  • 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
Features
  • 24/7 Customer Service
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
  • Roadside Assistance Program
  • Travel Benefits
Annual fee $0 $150 after the first year
Rewards rate 3 Points per $1 spent on eligible purchaes
Bonus offer 35,000 Welcome bonus points
Card details
Network
Mastercard
Provider
BMO Bank of Montreal
Credit needed
Excellent
Fees and interest
Annual fee
$0
$150 after the first year
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Limited Time: $150 annual fee waived for the first year*
  • Welcome Offer: Get 35,000 welcome points (after you spend $3,000 in the first 3 months)*
  • Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases*
  • Get 2 points for every $1 spent everywhere else*
  • Points you can use to cover all flights charges and taxes*
  • Fly on any airline, with no blackout dates*
  • Minimum 80K individual or 150K household income 
  • Best-in-class travel and medical insurance (unlimited trips per year)*
  • Exclusive access to VIP Airport Lounges worldwide (over $200 US/year value)*
  • FREE additional cards
  • Extended Warranty*
  • Purchase Protection*
  • BMO Concierge Service*
  • 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
Features
  • 24/7 Customer Service
  • Airport Lounge Access
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Travel Benefits
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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.

Recommended BMO 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 cash back rate or competitive travel rewards. Check out a few of BMO’s top cards.

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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