BMO No Annual Fee Student Credit Cards
Best BMO Cash Back Credit Card

BMO CashBack® Mastercard®*
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 a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred.8
Get cash back every time you spend, plus start building a healthy credit history.
No annual fee.3
Best BMO AIR MILES®† Credit Card

BMO AIR MILES®† Mastercard®*
Welcome offer: Get 800 AIR MILES Bonus Miles!4 That’s enough for $80 towards purchases with AIR MILES Cash.10
Get 3x the Miles for every $25 spent at participating AIR MILES Cash Reward Partners.6
Get 1 Mile for every $25 in credit card purchases.5
Get AIR MILES back every time you spend, plus start building a healthy credit history.
No annual fee.3
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
First Year Welcome Bonus
AIR MILES Reward MilesTotal Reward Miles earned
1st YearUse of the AIR MILES calculator is for illustrative purposes only.
Based on the calculation that 20% of spend per month are purchases made at participating AIR MILES Cash Reward Partners. Values displayed as of December 17, 2020.
Enjoy more credit card benefits and earn extra rewards
Extended Warranty7
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.
Purchase Protection7
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 Rentals9
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.
5x the Miles on Groceries11
(BMO AIR MILES Mastercard only)
Get topped-up to 5x the AIR MILES Reward Miles on groceries until May 31, 2021. Use any BMO AIR MILES credit card with your AIR MILES Card when you shop at Sobeys, Safeway, Foodland & Participating Co-op’s, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry.11