Change Language | Region*
American flag

*Products and services featured on our websites are only available to residents of the selected country.

Set your homepage
    Set your homepage

HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

BMO Credit Cards

Your credit card should match your lifestyle and reward preferences. That's why we offer BMO MasterCard credit cards with a choice of rewards including AIR MILES reward miles, CashBack, student SPC®‡ rewards and BMO Rewards – our exclusive rewards program that covers all flight charges, and gives you the best travel earn rate amongst our cards.

Also available:

I need a credit card...
I want these features...
  • Travel
  • BMO Rewards infos
    A new travel rewards program, that gives you unprecedented flexibility and value.
  • AIR MILES®† Rewards
  • US Dollar
  • CashBack® Rewards
  • No Annual Fee
  • Low Rate Option
  • Prepaid
  • All Rewards

Showing 9 cards meeting your criteria | Select up to 3 cards to start comparing.

NO ANNUAL FEE

Pay no annual fee. Also receive
free extended warranty and purchase protection.

SPC DISCOUNTS

Student discounts of 10% to 15% at hundreds of your favourite stores.

REWARDS

Earn unlimited cash credits or
reward yourself with movie
tickets, gift cards, travel.
Card recommendations are based on the income you provided earlier (clear)
Selecting "clear" will reset the income information you provided. You may be asked to re-enter your income information if you choose to apply for another card.
Every BMO MasterCard® comes loaded with these valuable features:
  • Extended Warranty & Purchase Protection
  • Free protection from both theft and the fraudulent use of your card
  • Full use of BMO MoneyLogic, an online budgeting and money-management tool

Offer extended to June 1, 2014: $0 annual fee in the first year9 – a $150 value!

Experience true travel freedom – and get 30,000 welcome bonus points2; that's equivalent to a $300 travel credit to use right away!

  • Our exclusive, no-hassle travel rewards cover ALL flight charges, including taxes
  • Enjoy best-in-class travel insurance
  • $150
    Annual Fee
  • 20.5%
    Interest Rate
  • 2/$1
    BMO Rewards
Not Ideal
  • Pay no annual fee
  • Collect valuable AIR MILES reward miles every time you use your credit card
  • Over 1,000 reward options to choose from!
  • $0
    Annual Fee
  • 19.9%
    Interest Rate
  • 1/$20
    Reward Miles

Fly sooner by earning more rewards on ALL MasterCard purchases with our highest earning rate:

  • Stretch your AIR MILES reward miles with our 25% flight discount
  • FREE BMO World MasterCard Travel Protection
  • $99
    Annual Fee
  • 19.9%
    Interest Rate
  • 1/$15
    Reward Miles
Not Ideal

It's a win-win: Pay no fee and get CashBack from every purchase.

  • Pay no annual fee
  • Earn an annual rebate on your account – $1 back for every $200 you spend
  • $0
    Annual Fee
  • 19.9%
    Interest Rate
  • 0.5%
    CashBack
Not Ideal

Reward yourself each time you shop!

  • Redeem for travel, merchandise, gift cards or charitable donations
  • No blackout periods on travel
  • $35
    Annual Fee
  • 19.9%
    Interest Rate
  • 1/$1
    BMO Rewards

Our biggest cash rebate - 1.25% back to your MasterCard:

  • Get an annual cash credit on your account – $1.25 back for every $100 in card purchases
  • FREE BMO World MasterCard Travel Protection
  • $79
    Annual Fee
  • 19.9%
    Interest Rate
  • 1.25%
    CashBack
Not Ideal

A convenient way to shop and travel – or buy online – in the U.S.:

  • No exchange-rate surprises – U.S. purchases are charged in U.S. dollars
  • Enjoy added protection: Double the original manufacturer's warranty on your purchases, PLUS your items are protected from theft or damage for 90 days
  • US$35
    Annual Fee
  • 19.9%
    Interest Rate
Not Ideal

No frills, just savings:

  • Pay no annual fee
  • Enjoy BMO's lowest interest rates – 17.5% (no fee) or 11.9% (for $20/year)
  • $0
    Annual Fee
  • 17.5%
    Interest Rate
Not Ideal

A safe and convenient alternative to cash or travellers cheques:

  • It's easy to reload, and you get the benefits of a credit card without paying interest
  • Zero dollar liability protects you from unauthorized use
  • $6.95
    Annual Fee
  • n/a
    Interest Rate

COMPARE CREDIT CARDS

A simple tool to help determine which card is right for you


TRAVEL INSURANCE

Travel the world without the worry of medical expenses or last-minute scrambling for coverage before you leave.

NEWCOMERS

We have special offers and resources for newcomers to Canada