No Annual Fee Credit Cards
BMO CashBack® Mastercard®*
Welcome Offer: Get 5% cash back in your first 3 months.1
Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred.12
Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!2a,2b,2c,2d
Save up to 25% off rentals at participating National Car Rental®#† and Alamo Rent A Car®#† locations.3
BMO AIR MILES®† Mastercard®*
Welcome offer: Get 800 AIR MILES Bonus Miles!5 That’s enough for $80 towards purchases with AIR MILES Cash.6
Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred.7
Get 3x the Miles for every $25 spent at participating AIR MILES Reward Partners.9 Get 2x the Miles for every $12 spent at any eligible grocery store.13
Get 1 Mile for every $25 spent everywhere else.8
Double Dip at AIR MILES sponsored locations.10
Rewards Calculator
How much do you spend on your credit card each month?
BMO CashBack® Mastercard®*
Rewards summary
First Year Welcome Bonus
cash backTotal Cash Back Earned
1st Year- Use of the Rewards calculator is for illustrative purposes only. The calculation reflects 20% of monthly spend on eligible grocery, 10% on eligible recur bill payments, and 70% of the spend on all other card purchases. Values displayed as May 1st, 2020.
BMO AIR MILES®† Mastercard®*
Rewards summary
Welcome Bonus
AIR MILES Reward MilesTotal Reward Miles earned
1st YearUse of the AIR MILES Rewards Miles calculator is for illustrative purposes only. Based on the calculation that 20% of spend per month are purchases made at participating AIR MILES Reward Partners. Values displayed as of May 3, 2021.
Enjoy more credit card benefits and earn extra rewards
Purchase Protection11
Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase.
Receive a discount on car rentals3
When you use your card to rent a car at participating National Car Rental and Alamo Rent A Car locations, you'll receive up to 25% discount.
FREE additional cards
You don't pay additional fees when you add cardholders to your account.
Extended Warranty11
Save the cost of buying optional extended warranty insurance on your next purchase by paying with your BMO credit card. This coverage doubles the original manufacturer's warranty period up to a maximum of one additional year.