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Credit Cards

Image of credit cards

Before you apply for a credit card, tell us what you're looking for

Need help finding the right card?

Answer a few easy questions and we’ll recommend one or two cards that suit you!

help me choose

Already applied for your BMO credit card?

Here’s what comes next

step one

Watch for your card in the mail

Once you’re approved, we’ll mail out your new card. It may be in a plain envelope so look out for it.

step two

Activate your card

After your card arrives, you’ll need to activate it before using it. Activate your card online in under a minute.

step three

Manage your account online

Sign up for online banking to keep track of your credit card account, plus get helpful alerts and financial insights.

Manage your account, anytime, anywhere with the BMO Mobile Banking app

  • Check your rewards balance
  • Report a lost or stolen card
  • Lock and unlock your card
  • Check transaction and payment history
  • Pay your monthly bill

Pick the best rewards program for you

  • Redeem your BMO Rewards points using Pay with Points to cover eligible travel purchases like flights, hotels, car rentals, vacation packages, cruises and more.64
  • Treat yourself to something from our extensive catalogue, featuring hundreds of products and gift cards from top brands.
  • Save for the future by redeeming points for a contribution to a BMO savings or investment account.
  • Pay with points. Let your points pick up the tab. Apply your points directly to eligible purchases.64 

BMO PaySmart™ Installment Plans

Live now, pay smarter with a BMO PaySmart plan by turning your credit card purchases into smaller, monthly payments at a low cost.

Digital features and security at your fingertips

Give your financial health a boost with online and mobile banking tools. Enjoy more control over your credit card and a better understanding about how you’re using it.

  • Safety and security

    Can’t find your card? No worries, you can lock and unlock it, report it lost or stolen, or reset your PIN any time.

  • Financial insights

    Stay on top of your spending with a personalized look at your money.

  • Credit score

    Get free, 24/7 access to CreditView with no impact to your credit score.

  • Detailed transaction view

    Get a detailed view of when and where you made your purchases on the BMO mobile app.