The best BMO Credit Card Offers

Updated on May 12, 2022

Here you will find all the latest and best BMO Bank of Montreal Credit Card Offers. Travel Rewards, AIR MILES, Cash Back, Business and Student cards - it's all listed below.

Travel Rewards Cards



BMO AscendTM World Elite®* Mastercard®*


Annual Fee: $150 Primary Card (Waived in first year) $50 Secondary Card
Interest Rate: Purchases 20.99% Cash Advances 23.99% (21.99% for Quebec residents)

Welcome offer: Get up to 60,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users.*
Bonus offer awarded as follows: 30,000 points when you spend $3,000 in the first 3 months, and 2,500 points for each subsequent month in which you make at least $2,000 in purchases on your card, for 12 months.

  • 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


    Apply Now

    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
    †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.


BMO eclipse Visa Infinite* Card


Annual Fee: $120 Primary Card $50 Additional Card
· Interest Rate: Purchases 20.99% Cash Advances 23.99%
·
Minimum $60,000 (individual) or $100,000 (household) annual income required

Welcome offer: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year - that's a $570 value in your first year!*

Bonus offer is as follows: 30,000 points when you spend $3,000 in the first 3 months, and 2,500 points for each subsequent month in which you make at least $2,000 in purchases on your card, for 12 months.
· Earn 5x the BMO Rewards points on groceries, dining, gas and transit*
· Get 1 BMO Reward for every $1 spent on everything else*
· Get a $50 annual lifestyle credit to spend however you want*
· Mobile Device Insurance that covers you for up to $1,000*
· Earn 10% more points when you add an authorized user to your account*
· Pay with Points by browsing your recent transactions & redeem your points for as little as $1

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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



BMO eclipse Visa Infinite Privilege* Card


Annual Fee: $499 Primary Card $99 Additional Card
Interest Rate: Purchases 20.99% Cash Advances 23.99%

Welcome offer: Get up to 90,000 points*

Bonus offer is as follows: 50,000 points when you spend $6,000 in the first 3 months, plus 40,000 points when you spend at least $100,000 in the first year.

· Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
· Get 1 BMO Reward for every $1 spent on everything else*
· Get a $200 annual lifestyle credit to spend however you want*
· Mobile Device Insurance that covers you for up to $1,000*
· Earn 25% more points when you add an authorized user to your account*
· Pay with Points by browsing your recent transactions & redeem your points for as little as $1
· Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.
· Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
· Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*


Apply Now
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



BMO Rewards® MasterCard


No annual fee
Interest Rate: Purchases 19.99% Cash Advances 22.99% (21.99% for Quebec residents)

Welcome Offer: Get 10,000 points when you spend $1,000 in the first 3 months.*

Get 1 BMO Rewards point for every $1 spent*
Earn faster with additional cardholders
Get up to 25% off car rentals at National®#† Car Rental and Alamo®*‡ Rent A Car locations worldwide
Extended Warranty*
Purchase Protection*
Zero Dollar Liability: protects you from unauthorized use of your credit card*


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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



AIR MILES Cards



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


Annual Fee: $120 Primary Card $50 Additional Card
Interest Rate: Purchases 20.99% Cash Advances 23.99% (21.99% for Quebec residents)

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 Reward Partners.*
· 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

*Terms and conditions apply

Apply Now

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


BMO AIR MILES®† MasterCard®*

Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*
- and there’s No annual fee
- and a 1.99% introductory interest rate on Balance Transfers for 9 months*. 1% fee applies to balance amounts transferred*
- Get 3x the Miles for every $25 spent at participating AIR MILES Partners*
- Get 1 Mile for every $25 spent everywhere else*
- Earn more reward miles when you use your card at Shell, National Car Rental and Alamo Rent A Car
- Extended Warranty
- Purchase Protection
- Interest Rate: Purchases 19.99% Cash Advances 22.99% (21.99% for Quebec residents)

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


Annual Fee: $149 Primary Card $50 Additional Card
Interest Rate: Purchases 19.99% Cash Advances 22.99% (21.99% for Quebec residents)

Welcome offer: Get 3,000 AIR MILES Bonus Miles when you spend a minimum of $5,000 in the first three months. Plus, we’ll waive the $149 annual fee for the first year!*

  • Get 1 Mile for every $12 you spend*
  • Get 4x the Miles when you use your card at participating AIR MILES partners
  • 25 payment grace days*
  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
  • Use your card at Costco locations across Canada*
  • Travel Protection*
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*

    Apply Now

    *Terms and conditions apply.
    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


BMO AIR MILES®† No-Fee Business® Mastercard®*


Welcome Offer: Get 1,000 AIR MILES Bonus Miles - that’s enough for over $100 towards your purchases with AIR MILES Cash!**

- Earn 1 AIR MILES Reward Mile on every $20 you spend*
- Plus – earn 1.25X the Miles for every $20 you spend at participating Shell stations*
- 25 payment grace days*
- Optional Employee Cards - empower employees with delegated purchasing authority*
- Use your card at Costco locations across Canada*
- Our Liability Waiver Program protects your business against employee card abuse*
· Interest Rate: Purchases 19.99% Cash Advances 22.99%

Apply Now



Cash Back Cards



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*
· Get the highest cash back earn rate on groceries in Canada.*
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 valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
· Complimentary Roadside Assistance Program*
· 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*
· BMO CashBack World Elite Travel and Medical Protection*
· Extended Warranty Plus*
· Purchase Protection Plus*
· BMO Concierge Service*
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
· Interest Rate: Purchases 20.99% Cash Advances 23.99% (21.99% for Quebec residents)
· $120 annual fee


Apply Now

*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 June 1, 2022

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!†
· 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*
· Receive a discount on car rentals*
· Extended Warranty*
· Purchase Protection*
· Interest Rate: Purchases 19.99% Cash Advances 22.99% (21.99% for Quebec residents)

Apply Now

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 June 1, 2022..


Small Business Cards



BMO Rewards® World Elite®* Business Mastercard®*


Annual Fee: $149 Primary Card $50 Additional Card
Interest Rate: Purchases 17.99% Cash Advances 22.99% (21.99% for Quebec residents)

Welcome Offer: Get up to 70,000 BMO reward points - 50,000 points when you spend $5,000 in the first three months and an additional 20,000 points when you spend $35,000 in the first twelve months. Plus, we’ll waive the $149 annual fee for the first year.*

  • Earn 4 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments*
  • Earn 1.5 BMO Rewards points for every $1 you spend*
  • 25 payment grace days*
  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
  • Use your card at Costco locations across Canada*
  • Travel Protection*
  • Enjoy VIP Airport Lounge Access at more than 400+ airports worldwide. You’ll get two complimentary lounge visits each year.
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*

    Apply Now

    *Terms and conditions apply.
    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



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


Annual Fee: $149 Primary Card $50 Additional Card
Interest Rate: Purchases 19.99% Cash Advances 22.99% (21.99% for Quebec residents)

Welcome offer: Get 3,000 AIR MILES Bonus Miles when you spend a minimum of $5,000 in the first three months. Plus, we’ll waive the $149 annual fee for the first year!*

  • Get 1 Mile for every $12 you spend*
  • Get 4x the Miles when you use your card at participating AIR MILES partners
  • 25 payment grace days*
  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
  • Use your card at Costco locations across Canada*
  • Travel Protection*
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*

    Apply Now

    *Terms and conditions apply.
    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


BMO CashBack® Business Mastercard®*


- No annual fee
- Welcome offer: Get 10% cash back on gas, office supplies, and cell phone/internet bills for 3 months.*
- Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments*
- 0.75% cash back on all other card purchases*
- 25 payment grace days*
- Optional Employee Cards - empower employees with delegated purchasing authority*
- Use your card at Costco locations across Canada*
- Our Liability Waiver Program protects your business against employee card abuse*
· Interest Rate: Purchases 19.99% Cash Advances 22.99%


Apply Now


BMO AIR MILES®† No-Fee Business® Mastercard®*


Welcome Offer: Get 1,000 AIR MILES Bonus Miles - that’s enough for over $100 towards your purchases with AIR MILES Cash!**

- Earn 1 AIR MILES Reward Mile on every $20 you spend*
- Plus – earn 1.25X the Miles for every $20 you spend at participating Shell stations*
- 25 payment grace days*
- Optional Employee Cards - empower employees with delegated purchasing authority*
- Use your card at Costco locations across Canada*
- Our Liability Waiver Program protects your business against employee card abuse*
· Interest Rate: Purchases 19.99% Cash Advances 22.99%

Apply Now

Student Cards



BMO AIR MILES®† Mastercard®* (Student)

Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*
- and there’s No annual fee
- Get 3x the Miles for every $25 spent at participating AIR MILES Partners*
- Get 1 Mile for every $25 spent everywhere else*
- Get AIR MILES back every time you spend, plus start building a healthy credit history
- Best BMO AIR MILES Mastercard for Students
- Earn more reward miles when you use your card at Shell, National Car Rental and Alamo Rent A Car
- Extended Warranty
- Purchase Protection
- Interest Rate: Purchases 19.99% Cash Advances 22.99% (21.99% for Quebec residents)

Apply Now


BMO CashBack® MasterCard®*(Student)


· Welcome offer: Get 5% cash back in your first 3 months (up to $100 cash back)
· 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*
· Receive a discount on car rentals*
· Extended Warranty*
· Purchase Protection*
· Interest Rate: Purchases 19.99% Cash Advances 22.99% (21.99% for Quebec residents)


Apply Now

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 June 1, 2022.