BMO credit cards
Compare cashback offers, sign up bonuses, balance transfer deals, rates, and fees for BMO's credit cards.
By Andrew Boyd | Verified by David Boyd | Updated 23 Aug 2023
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Comparing BMO credit cards
BMO eclipse Visa Infinite Privilege Card
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Annual fee
$499.00 p.a. ongoing
Highlights
- Get up to 90,000 BMO Rewards bonus points. 50,000 BMO Rewards welcome bonus points will be applied to your account after you spend a minimum of $6,000 within the first 3 months. The other 40,000 BMO Rewards welcome bonus points will be credited on your first anniversary after you spend a minimum of $100,000.
- Earn 5x the points for every $1 spent on groceries, dining in and out, drugstore purchases, gas, and travel, 1 point for every $1 spent on everything else
- Complimentary Priority Pass membership, plus six annual lounge visits.
Pros
Cons
BMO eclipse Visa Infinite Card
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Annual fee
$0.00 for 1st year
Highlights
- Get up to 60,000 BMO Rewards bonus points. 30,000 BMO Rewards welcome bonus points will be applied to your account after you spend a minimum of $3,000 within the first 3 months. The other 30,000 BMO Rewards welcome bonus points will be credited within 60 business days following the qualifying $3,000 spend.
- $0 annual fee on the first year ($120 thereafter).
- Earn 5x times the points for every $1 spent on groceries, dining in and out, gas and transit up to $50,000 in annual purchases on the Account, then continue earning points at the regular earn rate of 1 point per $1 in purchases.
Pros
Cons
BMO CashBack World Elite Mastercard
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Annual fee
$0.00 for 1st year
Highlights
- Get up to 10% cashback on eligible purchases in the first 3 months. Terms and Conditions apply.
- $0 annual fee on the first year ($120 thereafter).
- Earn 5% cashback on grocery purchases, 4% cashback on transit transactions such as ride-sharing and/or taxis, 3% on gas, 2% recurring bill payments and 1% cashback on all other purchases.
Pros
Cons
BMO Rewards Mastercard
Balance transfer
9 months at 0.99% p.a.
Purchase rate
20.99% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- Receive 10,000 BMO Rewards points when you spend a minimum of $1,000 within the first 3 months from the account open date. Terms and Conditions apply.
- 0.99% p.a. for 9 months on balance transfers (2% balance transfer fee applies). Reverts to cash advance rate of 22.99% p.a.
- No annual fee.
Pros
Cons
BMO AIR MILES Mastercard
Balance transfer
9 months at 0.99% p.a.
Purchase rate
20.99% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- Earn 800 Bonus Miles when you spend $1,000 on eligible purchases in the first 3 months from the Credit Card open date. Terms and Conditions apply.
- 0.99% p.a. for 9 months on balance transfers (2% balance transfer fee applies). Reverts to cash advance rate of 22.99% p.a.
- Earn 3 AIR MILES Reward Miles for every $25 in purchases at participating AIR MILES Partners and 1 Reward Mile for every other $25 you spend on eligible credit card purchases.
Pros
Cons
BMO CashBack Mastercard
Balance transfer
9 months at 0.99% p.a.
Purchase rate
20.99% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- Get up to 5% cashback on eligible purchases in the first 3 months. Terms and Conditions apply.
- 0.99% p.a. for 9 months on balance transfers (2% balance transfer fee applies). Reverts to cash advance rate of 22.99% p.a.
- Earn 3% cashback on grocery purchases, 1% cashback on recurring bill payments such as mobile phones, and 0.5% cashback on all other purchases, so every time you spend, you earn.
Pros
Cons
Student BMO AIR MILES Mastercard
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- Earn 800 Bonus Miles when you spend $1,000 on eligible purchases in the first 3 months from the Credit Card open date. Terms and Conditions apply.
- No annual fee.
- Earn 3 AIR MILES Reward Miles for every $25 in purchases at participating AIR MILES Partners and 1 Reward Mile for every other $25 you spend on eligible credit card purchases.
Pros
Cons
Student BMO CashBack Mastercard
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- Get up to 5% cashback on eligible purchases in the first 3 months. Terms and Conditions apply.
- No annual fee.
- Earn 3% cashback on grocery purchases, 1% recurring bill payments and 0.5% cashback on all other purchases.
