Best BMO Credit Cards

Last updated on November 1, 2019 | Written by

Best For Rewards & Travel

BMO World Elite Mastercard

BMO World Elite Mastercard

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on BMO’s website

Welcome Offer: 35,000 Points + First year fee waived

Earn Rate: 3 BMO Rewards points for every $1 spent on eligible travel, dining and entertainment. 2x points for everything else.

Annual Fee: $150

Min. Income Required: $80,000 personal or $150,000 household

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BMO AIR MILES World Elite Mastercard

BMO® AIR MILES®† World Elite® Mastercard®

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on BMO’s website

Welcome Offer: 3,000 AIR MILES Bonus Miles + First Year Fee Waived

Earn Rate: 1 Mile for every $10 in credit card purchases. Earn twice on purchases at AIR MILES partners.

Annual Fee: $120

Min. Income Required $80,000 personal or $150,000 household

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BMO Air Miles World Mastercard

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on BMO’s website

Welcome Offer: No welcome offer for this card.

Earn Rate: 1 Mile for every $15 in credit card purchases. Earn 1.25x Miles at Shell and 1.5x Miles at National Car Rental and Alamo Rent A Car.

Annual Fee: $99

Min. Income Required: $60,000 personal or $100,000 household

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Best For Cash Back

BMO CashBack World Elite Mastercard

BMO CashBack World Elite Mastercard

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on BMO’s website

Welcome Offer: 5% cash back in your first 3 months + First year fee waived.

Earn Rate: Get 1.5% cash back on all purchases.

Annual Fee: $120

Min. Income Required: $80,000 personal or $150,000 household

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BMO CashBack World Mastercard

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on BMO’s website

Welcome Offer: Free perks like roadside assistance.

Earn Rate: Get 1.25% cash back on all purchases. Earn 3% cash back on all Shell purchases.

Annual Fee: $79

Min. Income Required: $60,000 personal or $100,000 household

BMO Cashback Mastercard

bmo cashback mastercard

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on BMO’s website

Welcome Offer: 5% cash back in your first 3 months + 1.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee.

Earn Rate: Get 1% cash back on all purchases.

Annual Fee: $0

Min. Income Required: $0

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No Fees And/Or Low Interest

BMO Rewards Mastercard

bmo rewards mastercard

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on BMO’s website

Welcome Offer: 20,000 BMO Rewards welcome points + 1.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee

Earn Rate: 1 BMO Rewards point for every $1 spent.

Annual Fee: $0

Min. Income Required: $0

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BMO Air Miles Mastercard

bmo air miles mastercard

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on BMO’s website

Welcome Offer: 800 AIR MILES Bonus Miles + 1.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee

Earn Rate: Get 2x Miles for every $20 spent at participating AIR MILES Partners. Get 1 Mile for every $20 spent everywhere else.

Annual Fee: $0

Min. Income Required: $0

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BMO IGA Air Miles Mastercard

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on BMO’s website

Welcome Offer: 800 AIR MILES Bonus Miles.

Earn Rate: Get 2x Miles for every $20 spent at participating AIR MILES Partners or at IGA. Get 1 Mile for every $20 spent everywhere else.

Annual Fee: $0

Min. Income Required $0

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BMO Shell Air Miles Mastercard

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on BMO’s website

Welcome Offer: 800 AIR MILES Bonus Miles.

Earn Rate: 1.25x Miles on purchases at Shell locations in Canada. Get 1 Mile for every $15 spent everywhere else.

Annual Fee: $99

Min. Income Required $60,000 personal or $100,000 household

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BMO Preferred Rate Mastercard

bmo preferred rate mastercard

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on BMO’s website

Welcome Offer: 3.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee.

Interest Rate:
Purchases: 12.99%
Balance transfers and access cheques: 12.99%
Cash advances: 12.99%

Annual Fee: $20

Min. Income Required Personal $15,000

Secured & Reloadable Cards

BMO Reloadable Prepaid Travel Mastercard

bmo prepaid travel mastercard

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on Home Trust’s website

Annual Fee: $6.95

Interest Rate No interest rates. This is a reloadable, secured credit card. You must prepay before you can spend.

Min. Income Required $0

Minimum Deposit: $100