Received a BMO credit card invitation in the mail? You can accept it and apply online now.
Accept your offerGet a credit card that matches your spending style
Are you a rewards points collector? Prefer cash back? Looking for a lower interest rate? Explore our Mastercard® credit cards to find the right one for you.
Rewards that fit your lifestyle
Take a trip, find a gift or treat yourself! Explore how far your BMO Flex Rewards points can go.
Travel – Redeem your points for flights, hotels, cruises, vacation packages and car rentals.- Shop – Explore the BMO Flex Rewards online catalog to find a wide range of merchandise, experiences and gift cards.
- Credit – Redeem your points for a statement credit to be applied to your BMO Credit Card Account.
Let’s keep it simple. Easily earn cash back on all your purchases. Redeem your cash back when it best suits you.
- Put it back on your card account – Redeem your cash back as a statement credit.
- Redeem any time – Redeem whenever you’d like with a minimum available cash back balance of $15 and in $5 increments after that.
Which card maximizes your rewards potential?
Enter your average monthly spending:
Dining & Food Delivery
Airfare
Grocery Purchases
Gas & EV Charging
Streaming, Cable TV & Satellite Services
Hotels
Travel Agencies, Tours & Cruises
Rideshare, Taxis & Car Rentals
Other eligible purchasesEstimated cash back or reward points earned annually:
Your estimated rewards have been updated to reflect the category amounts entered
footnote dagger details: BMO Cash Back Credit Card and BMO Platinum Rewards Credit Card: Up to one thousand five hundred dollars in gas, EV charging, and grocery purchases each calendar quarter and 1x on all purchases after that.
footnote dagger dagger details: BMO Premium Rewards Credit Card: Up to two thousand dollars in gas, EV charging, grocery purchases and dining each calendar quarter, up to two thousand dollars on hotels and airfare each calendar quarter and 1x on all purchases after that.
footnote dagger dagger dagger details: BMO Escape Credit Card: Up to three thousand dollars in purchases per bonus category per calendar quarter, and 1x on all purchases after that.
Looking for a business credit card?
Keep your business and personal expenses separate with a BMO Business Banking credit card. Track expenses, streamline your recordkeeping and manage your card online.
BMO PaySmart™ Installment Plans
Discover a new way to pay smarter. Break eligible Purchases into more manageable payments with a fixed monthly fee. footnote 10
Credit Card Frequently Asked Questions
Already a BMO customer? You can apply online, at a branch or by calling 1-888-340-2265.
Don’t bank with us yet? No problem, we can help you with that. Just come by your nearest branch to get started.
Here’s what you’ll need:
- Personal details (like your name, address, the state you reside in and your SSN)
- Your income and its source(s)
- A few banking details like your bank name and the account type
Once you've received your card, just give us a call to activate it.
If you have a BMO Platinum Credit Card, a BMO Platinum Rewards Credit Card, a BMO Cash Back Credit Card, or a BMO Boost Secured Credit Card call 1-855-825-9237.
If you have a BMO Premium Rewards Credit Card or a BMO Escape Credit Card call 1-855-825-9238.
It’s easy! Just give us a call and we’ll help get you started.
If you have a BMO Platinum Credit Card, a BMO Platinum Rewards Credit Card or a BMO Cash Back Credit Card, call 1-855-825-9237.
If you have a BMO Premium Rewards Credit Card, a BMO Escape Credit Card call 1-855-825-9238.
Can’t find your card? No worries, we’ve got you covered. If you’ve misplaced your card or suspect that it’s been stolen, just give us a call.
BMO Platinum Rewards Credit Card, BMO Cash Back Credit Card, BMO Boost Secured Credit Card and BMO Platinum Credit Card call:
- 1-855-825-9237
- 1-262-780-8658 (outside U.S.)
BMO Premium Rewards Credit Card and BMO Escape Credit Card call:
- 1-855-825-9238
- 1-262-780-8658 (outside U.S.)
Yes! Our personal credit cards come with great benefits and rewards that are available to our Canadian customers.
If you’re a BMO customer in Canada interested in a BMO U.S. credit card, please call 1-888-214-6720, or visit any U.S. branch to apply or get more information.
Have questions? That’s what we’re here for.
Let's meet
Stop by your nearest branch to chat about credit card options.
Email us
Send us a secure message and we'll get back to you within two business days.
Give us a call
We’ll reach out by phone or email at a time that’s convenient for you.
Get Started
Manage your payments
Manage your rewards
Footnote 1 details. Participation in BMO Flex Rewards is subject to terms and conditions found in BMO Flex Rewards Program Rules, available at: bmo.com/bmoflexrewardsconsumer. The Account must be current and in good standing to accrue and redeem points or cash back, as applicable. While points and cash back don’t expire, if the Account is closed for any reason, the Account will no longer be able to accrue points or cash back. All accrued points or cash back not redeemed will be available for redemption for 90 days as long as the Account is closed in good standing. All cash back is redeemable in the form of a statement credit.
Footnote 2 details. The introductory rewards bonus is based on total net qualified purchases made in the first two months of account opening and rewards will be awarded to qualifying Accounts 3 - 4 weeks after the conclusion of the two-month period. The Account must be open and in good standing for the bonus to be awarded.
Footnote 3 details. The introductory rewards bonus is based on total net qualified purchases made in the first three months of account opening and rewards will be awarded to qualifying Accounts 3 – 4 weeks after the conclusion of the three-month period. The Account must be open and in good standing for the bonus to be awarded.
Footnote 4 details. Anniversary Bonus is based on net purchases made in the year prior to Anniversary Date. Please see the BMO Flex Rewards Program Rules for more information about the Anniversary Bonus.
Footnote 5 details. You can request to transfer balances from credit card accounts that you have with other credit card issuers. By submitting your Balance Transfer request you agree that the terms and conditions of your Cardholder Agreement apply to all balances transferred. Please refer to the Summary of Credit Terms for each card for important information about rates and fees: BMO Platinum Rewards Credit Card, BMO Cash Back Credit Card, BMO Premium Rewards Credit Card and BMO Platinum Credit Card.
Footnote 6 details. Impact on your credit may vary. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
Footnote 7 details. CreditView and its features, Score Simulator and Credit Education, are provided by TransUnion® for educational purposes only. You should consult with your own financial team for more information about current credit score.
Footnote 8 details. Coverage provided under a group insurance policy issued by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. Coverage for a stolen or damaged eligible cellular wireless telephone is subject to terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $400 per claim for BMO Boost Secured Credit Card, and $600 per covered card per 12-month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per covered card per 12-month period. The monthly bill associated with the phone must be paid with the eligible card for coverage to be effective. Refer to the Mastercard Guide to Benefits for more information.
Footnote 9 details. Certain terms, conditions, and exclusions apply. Extended Warranty is underwritten by New Hampshire Insurance Company, an AIG company. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Guide to Benefits at bmo.com/en-us/pdf/credit/consumermcgtb.pdf for more information.
Footnote 10 details. BMO PaySmart installment plans allow cardholders to repay specific eligible purchases in equal monthly payments over a defined repayment schedule. When you create a PaySmart Plan, it will be subject to a fixed monthly fee of up to 1%. The exact fee will be based on the purchase amount and the duration of the plan, which will be disclosed when the plan is created. The monthly plan fee will remain the same until the PaySmart Plan is paid in full. Review the Terms and Conditions.
footnote star details Access Summary of Credit Terms for rate and fee information: Access Summary of Credit Terms for rate and fee information: BMO Platinum Rewards Credit Card, BMO Cash Back Credit Card, BMO Premium Rewards Credit Card, BMO Platinum Credit Card, BMO Escape Credit Card and BMO Boost Secured Credit Card.
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