Explore BMO® Mastercard®* Credit Cards
Find a credit card that’s right for you.
BMO® World Elite®* Mastercard®*
Welcome offer: Get 35,000 welcome points after you spend $3,000 in first 3 months and we’ll waive the $150 annual fee in the first year.1
BMO® AIR MILES®† Mastercard®*
BMO® Preferred Rate Mastercard®*
Welcome Offer: Get a 3.99% introductory interest rate on Balance Transfers for 9 months.∆
Enjoy a lower interest rate and more savings power
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BMO® SPC®** AIR MILES®† Mastercard®*
Welcome offer : Get 500 AIR MILES Bonus Miles†*
Plus Get double the Miles on every purchase at participating AIR MILES Partners16D
Get 1 reward mile for every $20 in credit card purchases16B
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BMO® U.S. Dollar Mastercard®*
Shop in U.S. dollars and avoid exchange rate surprises.
When your purchases total U.S. $1,000 or more in a year, next year's annual fee is rebated to your card.21
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BMO® Prepaid Travel Mastercard®*
Spend with confidence with a reloadable, secured credit card, and use it wherever Mastercard is accepted.
A secure payment card loaded with your own money
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BMO® CashBack® World Mastercard®*
Enjoy exclusive perks and redeem your cash back your way with this rewarding credit card.
Get 1.25% cash back on your credit card purchases.2A
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BMO® AIR MILES®† World Mastercard®*
Earn AIR MILES Reward Miles faster to use towards great travel options, merchandise and more.
Earn 1 Mile for every $15 in credit card purchases.16A
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- AA Minimum $60,000 (individual) or $100,000 (household) annual. Earn CashBack rewards on all card purchases to a maximum monthly spend of $7,000*.
- BB Minimum $60,000 (individual) or $100,000 (household) annual. Earn AIR MILES rewards on card purchases to a maximum monthly spend of $7,000*.
- ® BMO is a registered trademark of Bank of Montreal.
- TM BMO is a registered trademark of Bank of Montreal.
- ®* Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.
- ®† AIR MILES is a trademark of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and Bank of Montreal.
- ®†# IDefence® is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.
- TM†# IDefence PlusTM is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.
- TM†# CreditDefenceTM is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.
BMO CashBack Mastercard
BMO AIR MILES World Elite Mastercard
BMO World Elite Mastercard
BMO AIR MILES Mastercard
BMO CashBack World Elite Mastercard
BMO Preferred Rate Mastercard
BMO Rewards Mastercard
BMO SPC CashBack Mastercard
BMO SPC AIR MILES Mastercard
BMO U.S. Dollar Mastercard
BMO Prepaid Travel Mastercard
BMO CashBack World Mastercard
BMO AIR MILES World Mastercard
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THIS CARD IS FOR YOU IF YOU WANT TO
Earn cash back and redeem the way you want2B
Earn AIR MILES at our highest rate and redeem Miles for travel, merchandise and more24
Earn BMO Rewards points at our highest rate and redeem points for travel, cash, gift cards merchandise and more24
Earn AIR MILES and redeem Miles for travel, merchandise and more24
Earn cash back at our highest rate and redeem the way you want2B
Save on interest charges with our lowest rate8.
Earn BMO Rewards points9B and redeem points for travel, cash, gift cards, merchandise and more
Earn cash back and redeem the way you want2B
Get SPC Discounts
Get SPC Discounts
Earn AIR MILES and redeem Miles for travel, merchandise and more24
Get SPC Discounts.
Get SPC Discounts.
Shop in U.S. dollars. Avoid exchange rate surprises.
Have a secured payment card loaded with your money.
Earn cash back faster and redeem the way you want2B
Earn AIR MILES faster and redeem Miles for travel, merchandise and more24
ANNUAL FEE
No annual fee8
$1208
$1508
No annual fee8
$1208
$208
No annual fee8
No annual fee8
No annual fee8
U.S. $358
$6.958
$798
$998
WELCOME OFFER
Get up to 4% cash back on every credit card purchase in your first 4 months.‡‡
Up to 3,000 Bonus Miles and no annual fee in the first year†
35,000 BMO Rewards welcome points and no annual fee in the first year1
Get 500 AIR MILES Bonus Miles‡, and 1.99% introductory interest rate on Balance Transfers for 9 months§
4% cash back on every purchase**
Get a 3.99% introductory interest rate on Balance Transfers for 9 months.∆
Up to 20,000 BMO Rewards welcome points1A
4% cash back on every purchase††
US$35 annual fee rebate after spending $1,000 in the previous year21
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REWARD RATE
1% Cash Back2B
1 Mile for $1016B
Then get 2x the Miles for every $20 spent at participating AIR MILES Partners16C
Get 1 Mile for every $20 spent everywhere else16B.
Get 1 Mile for every $20 spent everywhere else16B.
1.5% cash back2B
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1 BMO Rewards point for $19B
1% Cash Back2B
1 Mile for $2016B
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1.25% cash back2A
1 Mile for $1516A
BONUS REWARDS
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Earn 2 Bonus points10A at National Car Rental and Alamo Rent a Car
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Earn double points10B at National and Alamo Rent a Car
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Earn 3% cash back at Shell20
AIRPORT LOUNGE ACCESS
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Priority Pass membership, plus two annual complimentary passes26B
Priority Pass membership, plus four annual complimentary passes26A
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INSURANCE
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Comprehensive Travel and Medical Protection up to 15 days36
Total Travel and Medical Protection up to 21 days46
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RATES