BMO Credit Cards - Canada

Review the benefits of BMO credit cards, calculate rewards and the cash value of cards based on spend, and compare side by side top rewards cards.

BMO offers credit cards for it's own programs along with several co-branded credit cards for other top rewards programs. This page lists all BMO credit cards covered on this site. You can click on a card to learn more and calculate rewards.


BMO Cash Back Credit Cards

BMO offers three cash back credit cards which consists of both flat rate earning cards and cards that earn bonus cash back across different categories.

Earns 1.5% cash back on all purchases ran through the card. Benefits include free DAA membership, LoungeKey access, show discounts, and travel/purchase insurance.
Earns 1.25% cash back on the first $7,000 in spend ran through the card per month. Benefits include Boingo Wi-Fi, show discounts, LoungeKey access, savings with National and Alamo car rentals, and trave/purchase insurance.
Earns 3% cash back on grocery purchases, 1% back on recurring bill payments, and 0.5% back on all other purchases. Benefits include National and Alamo savings and show discounts. No annual fee.

BMO Rewards Credit Cards

BMO offers two eclipse Visa's and two Mastercard's that earn BMO Rewards Points. If you're looking for the best travel perks as well as great value, the BMO eclipse Visa credit cards are a top-notch option. If you don't need all the bells and whistles of the eclipse cards, but still want a solid return on your spend, choosing one of the Mastercard's will be the way to go.

Earns 5X points on grocery, restaurant, gas station, drugstore, and travel purchases. All other purchases earn 1X. Benefits include a $200 annual Lifestyle Credit, 25% authorized user point bonus, Visa Infinite Privilege benefits, and great travel/purchase insurance.
Earns 5X points on grocery, restaurant, gas station, and transit purchases. All other purchases earn 1X. Benefits include a $50 annual Lifestyle Credit, 10% authorized user point bonus, Visa Infinite benefits, and travel/purchase insurance.
Earns 3X points on travel, dining, and entertainment purchases and 2X on all other purchases. Card also earns +2 bonus points on National and Alamo spending. Benefits include Mastercard Airport Experience, car rental discounts with National and Alamo, entertainment/show discounts, and Boingo Wi-Fi.
Earns 1 BMO Rewards Point per $1 spent on all purchases. Card also earns +2 bonus points on National and Alamo spending. Benefits include car rental discounts with National and Alamo along with purchase insurance. No annual fee.

BMO AIR MILES Credit Cards

BMO holds three of the six available AIR MILES credit cards. If you're looking for the best option with BMO, it will be the BMO AIR MILES World Elite Mastercard which offers a great return on your spend and comes with a handful of great benefits.

Earns 1X miles per $10 spent on all purchases. Benefits include Mastercard Airport Experiences, special entertainment discounts, an annual fee discount with a BMO chequing account, and travel/purchase coverage.
Earns 1X miles per $15 spent on all purchases. Benefits include bonus miles with Shell, National, and Alamo, entertainment discounts, Boingo Wi-Fi, an annual fee discount with BMO chequing account, and travel/purchase coverage.
Earns 2X miles per $20 spent with AIR MILES partners and 1X miles per $20 spent everywhere else. Benefits include savings on car rentals, entertainment discounts, and bonus miles with AIR MILES partners. No annual fee.

Useful Resources & Links

Remove the guess work and find out which cards have a chance to offer you the best return based on your monthly or yearly spend across up to 20 different categories.
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