BMO credit cards

Compare cashback offers, sign up bonuses, balance transfer deals, rates, and fees for BMO's credit cards.

By   |   Verified by David Boyd   |   Published 26th July 2022

Comparing BMO credit cards

BMO eclipse Visa Infinite Privilege Card

FeaturedApply by 6 December 2022

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

  • Earn up to 90,000 bonus points when you meet the criteria.
  • Be eligible to receive a $200 annual travel credit. Conditions apply.
  • Get Priority Security Lane, airport parking and valet service discounts at select Canadian airports.

Cons

  • The $499 p.a. annual fee.
BMO eclipse Visa Infinite Card

Apply by 6 December 2022

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

  • Earn up to 60,000 bonus points when you meet the criteria.
  • Be eligible to receive a $50 statement credit each year. Conditions apply.
  • Enjoy access to the Visa Infinite Luxury Hotel Collection.

Cons

  • The annual fee reverts to $120 p.a. after the initial year.
BMO CashBack World Elite Mastercard

Apply by 6 December 2022

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.
BMO Rewards Mastercard

Apply by 6 December 2022

BMO Rewards Mastercard

Balance transfer

9 months at 1.99% p.a.

Purchase rate

19.99% 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.
  • 1.99% p.a. for 9 months on balance transfers (1% balance transfer fee applies). Reverts to cash advance rate of 22.99% p.a.
  • No annual fee.
BMO AIR MILES Mastercard

Apply by 6 December 2022

BMO AIR MILES Mastercard

Balance transfer

9 months at 1.99% p.a.

Purchase rate

19.99% 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.
  • 1.99% p.a. for 9 months on balance transfers (1% 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

  • Earn 800 Bonus Miles when you meet the criteria.
  • Transfer balances of other credit cards at 1.99% for 9 months.
  • Includes Purchase Protection and Extended Warranty.

Cons

  • Any remaining balance transfer amounts will be charged 22.99% p.a.after 9 months.
BMO CashBack Mastercard

Apply by 6 December 2022

BMO CashBack Mastercard

Balance transfer

9 months at 1.99% p.a.

Purchase rate

19.99% 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.
  • 1.99% p.a. for 9 months on balance transfers (1% 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

  • 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.

Cons

  • Any remaining balance transfer amounts will be charged 22.99% p.a.after 9 months.
Student BMO AIR MILES Mastercard

Apply by 6 December 2022

Student BMO AIR MILES Mastercard

Balance transfer

N/A

Purchase rate

19.99% 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.
Student BMO CashBack Mastercard

Apply by 6 December 2022

Student BMO CashBack Mastercard

Balance transfer

N/A

Purchase rate

19.99% 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.