BMO No Annual Fee Student Credit Cards


Best BMO Cash Back Credit Card


BMO CashBack Mastercard

BMO CashBack® Mastercard®*

Get a response in under 60 seconds!

  • Welcome offer: Get 5% cash back in your first 3 months.1

  • 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

  • Get cash back every time you spend, plus start building a healthy credit history.

  • No annual fee.3

Annual fee3
  $0
Purchases3
 21.99%
Cash advances3
 23.99%
(21.99% for Quebec residents)3

Best BMO AIR MILES®† Credit Card


BMO AIR MILES Mastercard

BMO AIR MILES®† Mastercard®*

Get a response in under 60 seconds!

  • Welcome offer: Get 800 AIR MILES Bonus Miles!4 That’s enough for $80 towards purchases with AIR MILES Cash.7

  • Get 3x the Miles for every $25 spent at participating AIR MILES Reward Partners6 and get 2x the Miles for every $25 spent at any eligible grocery store.8

  • Get 1 Mile for every $25 in credit card purchases.5

  • Double Dip at AIR MILES sponsored locations.9

Annual fee3
  $0
Purchases3
 21.99%
Cash advances3
 23.99%
(21.99% for Quebec residents)3

Our Student No Fee CashBack Mastercard is award-winning

  • Winner of the 2022 Rates® Rates Best Card for Students

  • Winner of the 2022 creditcardGenius® Best Student Credit Card

Rewards Calculator


How much do you spend on your credit card each month?

Changing the calculator values will also change the potential rewards you could earn. Your potential rewards have been updated as your monthly spend is now set to 0
$0
$5,000
BMO CashBack Mastercard

BMO CashBack® Mastercard®*

Rewards summary
First Year Welcome Bonus
cash back
Total Cash Back Earned
1st Year
Get 3% cash back on grocery purchases2b
Get 1% cash back on recurring bill payments2c
Get 0.5% cash back on all other purchases2d
  • 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

BMO AIR MILES®† Mastercard®*

Rewards summary
First Year Welcome Bonus
AIR MILES Reward Miles
Total Reward Miles earned
1st Year
Get 3x the Miles for every $25 spent at participating AIR MILES Reward Partners.6

Get 1 Mile for every $25 spent everywhere else.5
Travel
Merchandise

Use 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 December 17, 2020.

What’s the right rewards program for you?

Cash back

Let’s keep it simple. Easily earn cash on all your purchases. Redeem your cash back how and when it best suits you.

  • Conveniently cash out – You can choose if you want your cash as a recurring payment or as a lump sum. Redeem any time for as low as $1 or set up an automatic recurring deposit starting at $25.
  • Feed the piggy bank – Choose to deposit your cash back into your BMO chequing, savings or InvestorLine account.
  • Put it back on your card – Redeem your cash back as a statement credit.
  • Fill up on savings – Get up to seven cents off per litre on Shell®± fuel, only for BMO cardholders.101

AIR MILES®†

Use your AIR MILES®† Reward Miles for more than just travel. You can also use them for merchandise, events, attractions and even AIR MILES Cash Rewards.

  • Travel Rewards – Where will you go next? Book your flights, hotels, cruises, vacation packages and car rentals10.
  • Rewards – Use your Miles on something special for you or your home. Or how about a spa pass? Or movie tickets? There’s so much to choose from.
  • AIR MILES Cash Rewards – Why wait? Instantly use your Miles online or in-store at participating Partners towards your everyday purchases.
  • Fill up on savings – Get up to seven cents off per litre on Shell®± fuel, only for BMO cardholders.101

Important Information on Rates and Fees

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