BMO Credit Cards

Considered one of the “Big Five” banks in Canada, BMO offers a wide variety of different credit cards that suit unique spending habits and financial situations. With balance transfer, travel, and cash back credit cards, BMO additionally offers SPC and AIR MILES credit cards as well as both BMO Mastercards and BMO Visa cards. These cards allow you to reap the rewards from your spending and receive perks that you can use, whether that is a discount at participating stores, travel rewards, complimentary insurance or low interest rates.

Our guide covers the different types of BMO Visa and BMO Mastercard credit cards that are available, as well as the benefits and rewards offered by each card. We also cover the eligibility requirements and how to apply for a credit card, and finally we answer some frequently asked questions about BMO credit cards.

Compare BMO Visa and BMO Mastercard credit cards

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Name	Product	Welcome Offer	Rewards	Purchase Interest Rate	Annual Fee		Min. Credit Score	Description
BMO CashBack Mastercard		5% cash back	Up to 3% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.	Compare	loading Fetching your data...
BMO Preferred Rate Mastercard		3.99% rate on balance transfers for 9 months	N/A	12.99%	$20	Apply now More Info	Min. recommended credit score: 660	Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.	Compare	loading Fetching your data...
BMO Rewards Mastercard		10,000 points	Up to 2 points per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 725	Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.	Compare	loading Fetching your data...
BMO World Elite Mastercard		30,000 points	Up to 3 points per $1 spent	20.99%	$0 annual fee for the first year ($150 thereafter)	Apply now More Info	Min. recommended credit score: 760	Get up to 30,000 points and the $150 annual fee waived in the first year. Apply by October 31, 2021	Compare	loading Fetching your data...
BMO eclipse Visa Infinite		40,000 points	Up to 5 points per $1 spent	20.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 760	Get up to 40,000 points and the $120 annual fee waived in the first year.	Compare	loading Fetching your data...
Shell AIR MILES Mastercard from BMO		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).	Compare	loading Fetching your data...
BMO eclipse Visa Infinite Privilege		50,000 points	5 points per $1 spent	20.99%	$499	Apply now More Info	Min. recommended credit score: 760	Get up to 50,000 welcome points in your first year.	Compare	loading Fetching your data...
Shell AIR MILES World Mastercard from BMO		Up to 1.25x Air Miles	1 Mile for every $15 spent	19.99%	$99	Apply now More Info	Min. recommended credit score: 760	Get 1.25x Miles on card purchases at Shell locations in Canada.	Compare	loading Fetching your data...
BMO CashBack World Elite Mastercard		Up to 10% cash back	1% cash back	20.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 760	Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.	Compare	loading Fetching your data...
Shell CashBack Mastercard from BMO		$50 in cash back + 1% cash back	Up to 1.5% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.	Compare	loading Fetching your data...
BMO Rewards Business Mastercard		50,000 points	Up to 3 points per $1 spent	14.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 650	Get 50,000 points and the $120 annual fee waived in the first year.	Compare	loading Fetching your data...
BMO Air Miles Business Mastercard		3,000 Miles	1 Mile for every $10 spent	19.99%	$120	Apply now More Info	Min. recommended credit score: 650	Get up to 3,000 AIR MILES Bonus Miles ($310 towards your purchases with AIR MILES Cash).	Compare	loading Fetching your data...
BMO IGA AIR MILES Mastercard		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).	Compare	loading Fetching your data...
BMO U.S. Dollar Mastercard		N/A	N/A	19.99%	$35 USD	Apply now More Info	Min. recommended credit score: 725	When your purchases total US$1,000 or more in a year, the next year's annual fee (US$35) is rebated to your card.	Compare	loading Fetching your data...
BMO AIR MILES World Elite Mastercard		2,000 Miles	1 Mile for every $12 spent	20.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 760	Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year.	Compare	loading Fetching your data...
BMO Cashback Business Mastercard		10% cash back	Up to 1.75% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Get 10% cash back on gas, office supplies, cell phone bills and internet bills for 3 months.	Compare	loading Fetching your data...
BMO AIR MILES Mastercard		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.	Compare	loading Fetching your data...
BMO AIR MILES Mastercard For Students		800 Miles	1 Mile per $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.	Compare	loading Fetching your data...
BMO CashBack Mastercard For Students		5% cash back	Up to 3% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get up to 5% cash back in the first three months (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers for 9 months (with a 1% transfer fee).	Compare	loading Fetching your data...
BMO Air Miles No-Fee Business Mastercard		1,000 Miles	1 Mile per $20 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Get 1,000 AIR MILES Bonus Miles (over $100 towards your purchases with AIR MILES Cash).	Compare	loading Fetching your data...
Shell CashBack World Mastercard from BMO		N/A	Up to 3% cash back	19.99%	$79	Apply now More Info	Min. recommended credit score: 760	Earn 3% cash back at Shell stations in Canada, plus 1.25% cash back on all other spend.	Compare	loading Fetching your data...
BMO Sobeys AIR MILES Mastercard		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).	Compare	loading Fetching your data...

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Types of BMO credit cards available

BMO offers a wide range of credit cards, including rewards, travel, balance transfer, no annual fee, student, Air Miles and cash back credit cards. BMO also offers BMO Mastercard and BMO Visa credit cards. Here’s a summary of each of the main types of BMO credit cards you can choose from:

• Balance Transfer credit cards

BMO offer a few low interest rate credit cards that typically have $0 or low annual fees, and competitive introductory interest rates for balance transfers. These types of credit cards come with Purchase Security and Extended Warranty on most purchases.

• Travel Rewards credit cards

You can earn plenty of travel related perks with BMO Travel Rewards credit cards, including bonus welcome points, points per dollar spent, zero or low annual fees, complimentary travel and medical insurance and luxury travel perks like airport lounge access. You can use your points toward merchandise or travel. You can also purchase prepaid travel credit cards, which you can load with money before you head out on your trip.

• Cash Back credit cards

Choose from a selection of cash back credit cards that offer perks like introductory rewards points and higher introductory cash back amounts, points per dollar spent, Air Miles reward miles or exclusive deals and access to tickets, movie premiers and sports games. Additionally, all cash back credit cards come with Purchase Security and Extended Warranty.

• No Annual Fee credit cards

BMO offer a selection of no annual fee credit cards that include cash back opportunities, Air Miles, SPC or BMO rewards.

• Air Miles credit cards

BMO offer a range of Air Miles credit cards that allow you to earn Air Miles rewards miles per dollar spent on eligible purchases. Many of these cards give new customers bonus Air Miles rewards miles, as well as complimentary travel insurance and zero or low annual fees. BMO also offer a joint Air Miles SPC credit card that allows you to benefit from collecting both Air Miles as well as SPC discounts at select stores across Canada.

• SPC cards

SPC cards are catered towards students, offering anywhere between 10-15% off purchases at hundreds of retailers across Canada. These student cards come with no annual fees, as well as Purchase Security, Extended Warranty and exclusive deals and access to movie premiers, sports games and concert tickets.

• Business credit cards

BMO offers small business credit cards which can help you rack up BMO rewards points, Air Miles or earn cash back. These cards range in terms of annual fees and interest rates, so browse through the selection before you settle on the card that is right for you and your business.

• US dollar credit cards

BMO offers a US dollar credit card that allows you to avoid paying foreign currency conversion fees by charging you directly in US dollars on your credit card. This card comes with an annual fee, however if you spend over $1,000 US dollars in the calendar year, the annual fee for the following year will be rebated onto your credit card.

The benefits of banking with BMO

Some of the features you can enjoy with a BMO credit card include:

• BMO rewards

With a BMO credit card, you typically earn 1 point per $1-2 spent on your credit card. You can then use your BMO rewards points to purchase merchandise through the online store or travel related products or services.

• BMO Internet and mobile banking

If you have a BMO credit card, you can access your account through the secure BMO Online Banking link located on the website. Furthermore, you can download the BMO app to your smartphone and access your accounts that way too. With these convenient options, you can manage your account, pay bills, send transfers to other accounts in Canada and overseas, request a credit limit increase or apply for another BMO product at any time online or via the handy mobile app.

• BMO credit card complimentary extras

All BMO credit cards come with purchase security and extended warranty protection. Premium cards, including black, gold, platinum and elite credit cards, come with additional complimentary extras which may include travel insurance, car rental and collision insurance, airport lounge access, concierge services and other luxury travel benefits.

• BMO credit cards security

BMO has a few different security protocols in place including chip technology and MasterCard Secure Code, which offers an additional layer of security when you make purchases online. Furthermore, BMO contact you immediately if there is any unusual or suspicious activity on your credit card account. If you are the victim of fraud, BMO have a team on hand that help you restore your bank balance and financial information.

How to apply for a BMO credit card

If you’ve done your due diligence and have decided you’d like to apply for a BMO credit card, you can begin your secure online application by clicking on the green “Go to site” button. This button will take you to a secure BMO credit card application page, where you will be able to begin the application process if you have all of the necessary documents and details on hand.

Before you get started on your application, ensure that you meet the eligibility requirements for the specific credit card that you are interested in. Eligibility requirements typically vary between credit cards and providers, but generally include the following:

Eligibility requirements

• How old are you? You should be at least the age of majority in your province or territory to apply for your own credit card, which is typically 18 years old.
• What is your Canadian residency status? You usually need to be a Canadian citizen or a permanent resident of Canada to apply for a Canadian credit card.
• What is your credit history like? Ideally, you should have a good to excellent credit score and no recent evidence of defaults or bankruptcy. Some cards will accept fair to poor credit, however check with the provider on the specific card before you apply if you have less than good credit.

Information you will need for your application

If you meet the eligibility requirements for the BMO credit card, you can proceed with your application by collecting the following information:

• Personal information. You’ll need to provide personal information such as your address and your contact information. You’ll also need to verify your identity by providing an accepted form of identification, such as your driver’s licence number or passport number.
• Financial information. You will also need to detail information about your current employment, income and assets like shares or property and your employer’s contact details. If you’re self-employed, you may need to provide information regarding your expenses, liabilities and your accountant’s contact information.

BMO offer a variety of different credit cards that suit unique financial situations and spending habits. Do your research and find a credit card that you can reap rewards from, whether that is collecting Air Miles or paying a low interest rate.

Frequently asked questions about BMO credit cards

We’ve curated a list of the most commonly asked questions about BMO credit cards. If you can’t find the answer to your question here, or if you’d like to leave us some feedback, get in touch with us using the form at the bottom of this page.

• Does BMO offer Visa products?

  Yes. As of November 2020, BMO now offers Visa products: the BMO eclipse Visa Infinite card and the BMO eclipse Visa Infinite Privilege card.

• How do I activate my BMO credit card?

  You will receive your new credit card in the mail and the card will have a phone number on it. You will need to call this number to activate your card. You will be required to confirm your identity and provide some details of the new card. Once you have activated your card via telephone, you will be able to use it immediately.

• How do I access BMO Online Banking?

  You can access BMO Online Banking via the secure BMO website. Alternatively, you can access your online banking details through the official BMO mobile app.

• How is interest calculated on my BMO credit card?

  If you have a balance on your BMO credit card, interest will be calculated daily and charged monthly. Interest rates in Canada vary greatly, and can be as low as 0% (for balance transfer credit cards) or as high as 36%. Typical interest rates sit between 19.99% – 27.99%.

• How do I check my monthly statement?

  You can choose to receive paper statements in the mail or you can receive email notifications if you bank online. You can always check your balance via the BMO Online Banking site or through the BMO mobile app.

• How can I increase my BMO credit card limit?

  You can increase your credit limit by contacting BMO. Alternatively, you can ask for an increase in your credit limit online or via the mobile app. You can also decrease your limit if you wish via the same methods.

• My BMO credit card is about to expire. How do I get a new one?

  You will automatically be sent a new credit card in the mail.

• How many Air Miles can I earn in one year?

  This will vary depending on the type of credit card you have, as well as your credit limit. As an example, you can earn around 3,000 Air Miles, plus any additional bonus Air Miles reward miles you receive, each year if you have a credit limit of $5,000 per month. You can likely fly from Vancouver to Toronto with around 3,600 miles. As another example, for Air Miles World Elite cardholders who have a monthly credit limit of $10,000, you can earn up to 12,000 miles a year, plus any bonus miles. With this amount, you could fly from Calgary to Sydney, Australia, and still have miles left over.

• How do I cancel a BMO credit card?

  To cancel a BMO credit card, call BMO at call 1-800-263-2263 or head to your local BMO branch and speak to a teller. Before closing your credit card account, you’ll need to pay off your balance in full and cancel any pre-authorized payments. Learn more in our guide to cancelling a credit card.

• What other products does BMO offer?

  BMO offers a variety of other products and services including bank accounts, mortgages, investment accounts, savings and borrowing options, insurance, business solutions and financial advice.