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Bank of Montreal Credit Cards

Compare the Bank of Montreal credit cards listed below. Apply online for a BMO credit card by completing a secure application.

 
     

 

BMO® AIR MILES® MasterCard®*
BMO® AIR MILES® MasterCard®*

BMO® AIR MILES® MasterCard®*
  • Earn fast: 1 AIR MILES reward mile for every $20 you spend on the card
  • "Double dipping" Collect even more reward miles when you show your AIR MILES Collector Card and use your BMO MasterCard at AIR MILES Sponsors
  • Free extended warranty and purchase protection
  • No annual fee
  • en Français
Typical APR
19.90%*
Balance Transfer
19.90%
Balance Transfer Fee
$0
Annual Fee
$0*
Credit Needed
Good

BMO® AIR MILES® World MasterCard®*
BMO® AIR MILES® World MasterCard®*

BMO® AIR MILES® World MasterCard®*
  • Earn faster: 1 AIR MILES reward mile for every $15 you spend on the card
  • Exclusive 25% flight discount: Use 25% fewer reward miles when you redeem for any AIR MILES flight worldwide, with no blackout periods
  • BMO World MasterCard Travel Protection: Includes coverage for car rental collision damage, plus flight delay and baggage insurance
  • Free extended warranty and purchase protection
  • en Français
Typical APR
19.90%*
Balance Transfer
19.90%*
Balance Transfer Fee
$0
Annual Fee
$99*
Credit Needed
Good

BMO® Rewards MasterCard®*
BMO® Rewards MasterCard®*

BMO® Rewards MasterCard®*
  • Earn 1 BMO Rewards point for every $2 you spend on the card
  • Redeem anytime with no blackout periods and points cover ALL flight charges, including taxes
  • Points never expire as long as you have your account
  • Travel with confidence with BMO Common Carrier insurance coverage
  • en Français
Typical APR
19.90%*
Balance Transfer
19.90%*
Balance Transfer Fee
$0
Annual Fee
$35*
Credit Needed
Good

BMO® SPC CashBack MasterCard®*
BMO® SPC CashBack MasterCard®*

BMO® SPC CashBack MasterCard®*
  • CashBack: An annual rebate to your credit card: $1 cash back for every $200 spent on your card
  • No Annual Fee
  • SPC (Student Price Card Ltd.) discounts of 10% to 15% at hundreds of your favourite stores
  • Earn 1.5% CashBack at Shell locations in Canada
  • Earn 1.5% CashBack and get up to 25% off rentals at National Car Rental®†† & Alamo Rent A Car®** locations worldwide
  • en Français
Typical APR
19.90%*
Balance Transfer
19.90%*
Balance Transfer Fee
$0
Annual Fee
$0*
Credit Needed
Good

BMO® SPC AIR MILES MasterCard®*
BMO®  SPC AIR MILES MasterCard®*

BMO®  SPC AIR MILES MasterCard®*
  • Earn fast: 1 AIR MILES reward mile for every $20 you spend on the card
  • No Annual Fee
  • SPC (Student Price Card Ltd.) discounts of 10% to 15% at hundreds of your favourite stores
  • Earn 1.25x reward miles at Shell®‡‡ locations in Canada
  • Earn 1.5x reward miles and get up to 25% off rentals at National Car Rental®†† & Alamo Rent A Car®** locations worldwide
  • en Français
Typical APR
19.90%*
Balance Transfer
19.90%*
Balance Transfer Fee
$0
Annual Fee
$0*
Credit Needed
Good

BMO® Preferred Rate MasterCard®*
BMO®  Preferred Rate MasterCard®*

BMO®  Preferred Rate MasterCard®*
  • Pay no annual fee
  • Enjoy our lowest interest rate: 17.5% (with no annual fee)
  • Get free extended warranty and purchase protection with your BMO MasterCard
  • Enjoy free Zero Dollar Liability protection for both theft and fraudulent use of your credit card
  • Reduce your credit card interest charges even further from 17.5% to 11.9% with our Low Interest Rate Option ($20/year)
  • Free additional credit cards
  • en Français
Typical APR
17.90%*
Balance Transfer
17.90%
Balance Transfer Fee
$0
Annual Fee
$0*
Credit Needed
Good

BMO® CashBack MasterCard®*
BMO®  CashBack MasterCard®*

BMO®  CashBack MasterCard®*
  • An annual rebate to your credit card: $1 cash back for every $200 spent on your card
  • Free extended warranty and purchase protection
  • No annual fee, 19.9% interest rate
  • en Français
Typical APR
19.90%*
Balance Transfer
19.90%*
Balance Transfer Fee
N/A*
Annual Fee
$0*
Credit Needed
Good

BMO® CashBack World MasterCard®*
BMO®  CashBack World MasterCard®*

BMO®  CashBack World MasterCard®*
  • An annual rebate to your credit card: $1.25 cash back for every $100 spent on your card
  • Free roadside assistance, including battery boosts, flat-tire change, lock-out service and towing (a $69/year value)
  • BMO World MasterCard Travel Protection: Includes coverage for car rental collision damage, plus flight delay and baggage insurance
  • Free extended warranty and purchase protection
  • en Français
Typical APR
19.90%*
Balance Transfer
19.90%*
Balance Transfer Fee
$0
Annual Fee
$79*
Credit Needed
Good

BMO® U.S. Dollar MasterCard®*
BMO®  U.S. Dollar MasterCard®*

BMO®  U.S. Dollar MasterCard®*
  • Pay for U.S. Dollars in U.S. Funds
  • Free extended warranty and purchase protection
  • Low $35 USD annual fee, 19.9% interest rate
  • Fee Rebate offer: Spend just $1,000 USD in one year on your card, and the annual fee for the following year is on us
  • en Français
Typical APR
19.90%*
Balance Transfer
19.90%*
Balance Transfer Fee
$0
Annual Fee
$35 USD/yr
Credit Needed
Good

BMO® Rewards World Elite MasterCard®*
BMO® Rewards  World Elite MasterCard®*

BMO® Rewards  World Elite MasterCard®*
  • Fly now: 15,000 BMO Rewards points welcome bonus1- that's a $285 travel credit to use right away
  • Earn 1 BMO Rewards point for every $1 you spend on the card
  • Redeem anytime with no blackout periods and points cover ALL flight charges, including taxes3
  • Points never expire as long as you have your account
  • Total Travel Protection: travel medical coverage for up to 21 days, trip cancellation/trip interruption/trip delay insurance, and car rental collision damage waiver
  • Access to VIP lounges with your free Priority Pass™†* membership and four complimentary airport lounge visits each year (over US$200/year value)
  • en Français
Typical APR
20.50%*
Balance Transfer
20.50%
Balance Transfer Fee
$0
Annual Fee
$150
Credit Needed
Excellent