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Explore BMO® Mastercard®* Credit Cards

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Access and Features

Access and Features


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
Earn AIR MILES and redeem Miles for travel, merchandise and more24
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‡‡ and a 1.99% introductory interest rate on Balance Transfers.§§
Get 2,000 AIR MILES Bonus Miles after your first card purchase
35,000 BMO Rewards welcome points1
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.
Get up to 20,000 BMO Rewards points1a and a 1.99% introductory interest rate on Balance Transfers.§§
4% cash back on every purchase††
500 Bonus Miles†*
Plus Get double the Miles on every purchase at participating AIR MILES Partners16D
US$35 annual fee rebate after spending $1,000 in the previous year21
N/A
N/A
N/A
REWARD RATE
1% Cash Back2B
1 Mile for $1016B
  • 3 points for $1 on eligible travel, dining and entertainment9A, 9B
  • 2 points for $1 everywhere else9B
Then get 2x the Miles for every $20 spent at participating AIR MILES Partners16C
Get 1 Mile for every $20 spent everywhere else16B.
1.5% cash back2B
N/A
1 BMO Rewards point for $19B
1% Cash Back2B
1 Mile for $2016B
N/A
N/A
1.25% cash back2A
1 Mile for $1516A
BONUS REWARDS
N/A
Earn 2x Miles17 at National and Alamo Rent a Car25
Earn 2 Bonus points10A at National Car Rental and Alamo Rent a Car
N/A
N/A
Earn double points10B at National and Alamo Rent a Car
N/A
  • Earn 1.25x Miles at Shell14
  • Earn 1.5x Miles17 at National and Alamo Rent a Car25
N/A
N/A
Earn 3% cash back at Shell20
  • Earn 1.25x Miles at Shell14
  • Earn 2x Miles12A at National and Alamo Rent a Car
AIRPORT LOUNGE ACCESS
N/A
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access26B, plus two annual complimentary passes
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access26A, plus four annual complimentary passes
N/A
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey26C
N/A
N/A
N/A
N/A
N/A
N/A
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey26C
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey26C
INSURANCE
N/A
Comprehensive Travel and Medical Protection up to 15 days36
Total Travel and Medical Protection up to 21 days46
N/A
  • Comprehensive Travel and Medical Protection38 up to 8 days
  • Roadside Assistance19
N/A
N/A
N/A
N/A
N/A
N/A
  • Travel Protection22
  • Roadside Assistance19
  • Travel Protection22
  • Roadside Assistance19
RATES
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
11.9% for purchases8
11.9% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
No Interest Rate8
N/A for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
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