Special offers for banking
Explore our banking promotions and special offers available now. From everyday banking and credit cards, to mortgages and investments, you can save money or collect great rewards that help you make real financial progress.
- Loans and Lines of Credit
Enjoy up to a 0.75% rate discount for the life of your line with our combined discounts!Footnote 2 and 3
- Credit Cards
Earn $250 cash back when you spend $2,000 in the first three months of account opening when you apply between November 1, 2025 and January 1, 2026.Footnote 4
- Credit Cards
15,000 bonus points when you spend $1,500 within 3 months of opening your account. footnote 4
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footnote 1 details Special offers are subject to change. The closing cost discount offer is available on applications received from September 1, 2024, through December 31, 2025. The closing cost discount offer consists of a $500 closing cost discount depending on loan amount. This offer is available subject to the following:
Closing Cost Discount: The closing cost discount may be applied to the purchase mortgage at closing. It is available for conforming (loans up to $806,500) secured by 1-4 unit homes used as primary residences, second homes, or investment properties.
footnote 2 details Relationship Requirement: If the property is not located in the following locations; , , , , , , , IA, , , , , , , , , , , , , , , and EL Paso County, (Home Equity Line of Credit is not available in Texas), to be eligible for our real estate secured lending products, you must be a pre-existing BMO customer for at least six months at the time of application; contact a Banker for details. A BMO customer relationship includes any deposit, retirement, small business, secured and unsecured credit, and investment accounts (BMO Alto accounts are excluded). Not applicable to our Private Bank clients or BMO employees.
footnote 3 details Variable Rate Offer Information: For a Home Equity Line of Credit, the annual percentage rate (APR) is a variable rate based on The Wall Street Journal® Prime Rate (7.00% on 10/30/2025) plus or minus a margin that varies depending on the state in which property is located, individual credit qualifications, credit limit amount, loan to value ratio and other criteria. The 6.99% rate shown is for first lien lines of credit of $100,000 secured by an owner occupied 1 to 4 family residence, in Illinois, with a loan-to-value (LTV) of 70% or less, and a FICO credit score of 780+, and includes a 0.50% limited time New Money offer discount and a 0.25% autopay discount. Rates vary from 6.99% APR to 13.81% APR depending on property state, loan amount and other variables. Please consult a banker for pricing in your region. Your APR will never be lower than the floor rate in the credit agreement or exceed 18.00% APR or the maximum APR permitted by law, whichever is less.
Auto Pay Rate Discount: To receive a 0.25% rate discount, you must authorize BMO at origination to withdraw your Home Equity Line of Credit payment each month from a BMO personal checking account using Auto Pay. The discount can only be applied to a new Home Equity Line of Credit.
New Money Discount Offer Information: Special offers may change. Interest rate discounts are available on applications received from 11/3/2025 through 2/1/2026.
- The 0.15% interest rate discount is available on new HELOC accounts when $15,000 - $24,999 is drawn at closing, excluding funds to pay any BMO debt or,
- The 0.30% interest rate discount is available on new HELOC accounts when $25,000 - $49,999 is drawn at closing, excluding funds to pay any BMO debt or,
- The 0.50% interest rate discount is available on new HELOC accounts when $50,000 or more is drawn at closing, excluding funds to pay any BMO debt.Certain restrictions apply. This offer does not apply to any loan that will be used to purchase the subject property. Check with your banker.
footnote 4 details Participation in BMO Flex Rewards is subject to terms and conditions found in BMO Flex Rewards Program Rules, available at: https://www.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 and all accrued points or cash back not redeemed will be available to redeem for 90 days as long as Account is closed in good standing. All cash back is redeemable in the form of a statement credit. 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. Information regarding rates and offers is subject to change. Please visit www.bmo.com/us/cards for the most up-to-date offers available.
Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC