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*
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: 20.99% 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 and we’ll waive the $29 annual fee for the first year*
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*
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 AIR MILES® Mastercard®*

BMO AIR MILES® Mastercard®*

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

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99% Variable

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*
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.

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99% Variable

BMO AIR MILES® World Elite®* Mastercard®*

BMO AIR MILES® World Elite®* Mastercard®*

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 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

Annual Fee: $120
Intro Rate: N/A
Ongoing APR: 20.99 %

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*
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: 20.99% 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*
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.

Annual Fee: $0
Intro Rate: N/A
Ongoing APR: 20.99 % Variable

BMO CashBack® World Elite®* Mastercard®*

BMO CashBack® World Elite®* Mastercard®*

Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived 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 the highest cash back earn rate on groceries in Canada.*
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 Airport Experiences provided by LoungeKey*
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
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 non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.

Annual Fee: $120
Intro Rate: N/A
Ongoing APR: 20.99% Variable

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.*
Now get the highest rewards points for travel of any premium flexible travel card in Canada!✝
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
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: 20.99% Variable