Get up to 2 points per dollar on all card purchases*
Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 60 days
Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicle rental insurance and more
Medical, general and legal assistance
Purchase protection in case of theft or damage*
Extended Warranty*
With the À la carte Rewards Plan® (the “À la carte Plan”), you earn points for every dollar on eligible purchases. These points may be exchanged for rewards such as merchandise, a travel package, a gift card, a travel discount, a donation, a financial product, repayment with rewards points or any other reward offered under the À la carte Plan.
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.*
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.
Welcome Offer: Earn up to 30,000 bonus points ($250 cash back value) (This offer is not available for residents of Quebec)
20,000 bonus points✝✝ after you make $2,000 or more in eligible purchases within the first 90 days of your account opening
10,000 bonus points✝✝ once enrolled for paperless e-statements within the first 90 days of account opening
Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases (until $50,000 is spent annually in each category)
1 point‡ for every $1 on all other eligible purchases
To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater✝✝✝✝
Limited time offer: Get 3,000 AIR MILES Bonus Miles! * That’s enough for $310 towards purchases with AIR MILES Cash!* Plus, get the $120 annual fee waived for your first anniversary
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
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
Welcome offer: Get 5% Cash Back on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
This offer is not available for residents of Quebec
Get 2% Cash Back on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
Get 1% Cash Back for all other eligible purchases
Your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater
Earn up to 100 WestJet dollars (with $1,000 spend in the first 3 months)
Get an annual round-trip companion voucher for $199 CAD (plus taxes, fees, charges and other ATC) for round-trip travel within Canada and to/from the continental U.S. (Excluding Hawaii)
Earn WestJet dollars on your everyday purchases
Get 50 welcome WestJet dollars with your first purchase
Earn 1% in WestJet dollars for every qualifying purchase you make on your card
Earn 1.5% in WestJet dollars when you buy WestJet flights or WestJet Vacations packages using your card
Redeem your WestJet dollars to pay for WestJet flights or WestJet Vacations packages – no blackout periods and your WestJet dollars don’t expire – to destinations across North America, Central America, the Caribbean and Europe
Refer to RBC page for up to date offer terms and conditions
Receive a round-trip companion voucher – every year – for any WestJet destination starting from $119 (plus taxes, fees, charges and other ATC) or choose to exchange it for 4 lounge vouchers
Get 450 welcome WestJet dollars (a value of up to $450 off the base fare) when you spend a minimum of $5,000 in the first 3 months on your card
Get free first checked bags for the primary cardholder and up to 8 guests on the same reservation
Earn WestJet dollars 1.5% on everyday purchases and 2% on flights or packages with WestJet or WestJet Vacations
WestJet dollars never expire. Use your WestJet dollars to book flights anytime so you can travel when and where you want. No blackout periods
Travel with Perks access to Mastercard Travel Pass Program provided by DragonPass, Boingo WiFi, and more
Refer to RBC page for up to date offer terms and conditions
Get up to 5 points per dollar in eligible grocery and restaurant purchases*
2 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte (TM) travel purchases*
1 point per 1 dollar in other purchases
Up to $150 each year in refund for travel expenses on airport parking fees, seat selection fees, baggage fees, airline ticket upgrades and access to airport lounges worldwide
Free and unlimited access along with one (1) guest per cardholder to the National Bank Lounge at Montréal-Trudeau airport.
Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 60 days
Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicle rental insurance and more
Mobile devices insurance against theft or damages for a period of up to 2 years
Medical, general and legal assistance
Purchase protection in case of theft or damage*
Extended Warranty*
With the À la carte Rewards Plan® (the “À la carte Plan”), you earn points for every dollar on eligible purchases. These points may be exchanged for rewards such as merchandise, a travel package, a gift card, a travel discount, a donation, a financial product, repayment with rewards points or any other reward offered under the À la carte Plan.
Get up to 2 points per dollar in eligible grocery and restaurant purchases*
1.5 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte (TM) travel purchases*
1 point per 1.5 dollars in other purchases
Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 10 days
Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicle rental insurance and more
Mobile devices insurance against theft or damages for a period of up to 2 years
Medical, general and legal assistance
Purchase protection in case of theft or damage*
Extended Warranty*
With the À la carte Rewards Plan® (the “À la carte Plan”), you earn points for every dollar on eligible purchases. These points may be exchanged for rewards such as merchandise, a travel package, a gift card, a travel discount, a donation, a financial product, repayment with rewards points or any other reward offered under the À la carte Plan.
Earn up to 1.5% cash back on your spending, with no limit on the cash back you can earn
Link your card and instantly save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada
Earn more Be Well points at Rexall – Get 50 Be Well points for every $1 spent on eligible products at Rexall
Get a 12-month complimentary DashPass subscription from DoorDash – a value of almost $120
Your RBC Cash Back Preferred World Elite Mastercard keeps you connected with access to over 1 million Wi-Fi hotspots around the world with Boingo Wi-Fi for Mastercard Cardholders – register today at mastercard.boingo.com
Get premium insurance coverage with rental car insurance and protection for your eligible purchases
Refer to RBC page for up to date offer terms and conditions
1% cashback on restaurant purchases and pre-authorized debits
0.5% on all other eligible purchases
Protection for your mobile phone: Your new mobile devices, purchased with your card, or phone subscriptions paid for with your card or by pre-authorized payments from your mycredit account are protected against theft or damages for a period of up to 2 years
Get up to 4% cash back on your purchases plus car rental, mobile device and 3 day travel insurances. All supplementary cards are offered at no annual fees for Desjardins members
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.
Credit card with generous rewards and travel perks
Get up to 3% BONUSDOLLARS on your purchases plus up to 60 day travel insurance and 8 free passes to the Desjardins Lounge at Montreal Trudeau Airport. All supplementary cards are offered at no annual fees for Desjardins members
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
Limited time offer: Get 1,500 AIR MILES Bonus Miles!* That’s enough for $150 towards purchases with AIR MILES Cash*
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*
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
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
Advertiser Disclosure
Many of the card offers that appear on this site are from companies from which we receive compensation. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. This site does not include all credit card companies or all card offers available in the marketplace.
