Canada's Best Bank of Montreal Credit Cards 2022

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14 CARDS The total number of credit card results available for this search
Annual Fees The amount of money charged to you each year to use the card
Rewards Rate The rewards rate your credit card receive for purchases made with your card
Bonus Offer The bonus offer available when you apply for this card
YOUR ESTIMATED NET ANNUAL REWARDS
 The annual reward earnings, minus the average annual fee (fee / years), plus the average annual value of the signing bonus (bonus / years)

BMO Preferred Rate MasterCard

Review
$20
per year  
N/A 
 
3.99% 
on transfers 1st 9 months 
Net Rewards
$-20 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Welcome Offer: Get a 3.99% introductory interest rate on Balance Transfers for 9 months

  • Free extended warranty and purchase protection

  • Zero Dollar Liability: protects you from unauthorized use of your credit card

  • Worldwide acceptance at over 30 million locations
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

  • Terms and conditions apply
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 11.9%
Cash Advance Interest Rate: 11.90%%
Balance Transfer Interest Rate: 11.90%%
First Year Annual Fee: $20
Annual Fee After First Year: $20

Eligibility

Personal Income: $
Household Income: $0
Credit Needed: Good

Shell AIR MILES World MasterCard® from BMO
Review
$99
per year  
1 
point per $1 
1.25 
miles at Shell in Canada 
Net Rewards
$122
Show Offer Details
Offer Summary

  • 1.25x Miles on card purchases at Shell locations in Canada

  • 1 Mile for every $15 in card purchases everywhere else MasterCard is accepted

  • FREE Roadside Assistance
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $99
Annual Fee After First Year: $99

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

BMO AIR MILES MasterCard

Review
$0
no fee  
2 
miles per $20 
500 
Bonus Air Miles 
Net Rewards
$140 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Get 500 AIR MILES Bonus Miles

  • Then get 1 AIR MILES reward mile for every $20 in purchases

  • Get a 1.99% introductory interest rate on Balance Transfers for 9 months*, 1% fee applies to balance amounts transferred.

  • Double Dip at AIR MILES sponsored locations

  • No Annual fee

  • Receive a discount on car rentals

  • Extended Warranty

  • Purchase Protection

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

  • Terms and conditions apply
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $0
Credit Needed: Good

BMO SPC Air Miles MasterCard
Review
$0
no fee  
1 
point per $20 
500 
Bonus Air Miles 
Net Rewards
$140
Show Offer Details
Offer Summary

  • Limited time: Earn 500 Bonus AIR MILES Bonus Miles

  • Get 2x the Miles for every $20 spent at participating AIR MILES Partners

  • 1 AIR MILES reward mile for every $20 that you spend on your credit card

  • No Annual fee

  • Extended Warranty

  • Purchase Protection

  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

  • Terms and conditions apply
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed: None

Shell AIR MILES MasterCard® from BMO
Review
$0
no fee  
1.25 
points per $1 
500 
AIR MILES Bonus 
Net Rewards
$140
Show Offer Details
Offer Summary

  • Get up to 500 AIR MILES Bonus Miles

  • New! Always get 2x the miles at participating AIR MILES Partners. That’s 2 Miles for every $20 you spend using your Shell AIR MILES MasterCard from BMO

  • 1 Mile for every $20 in card purchases everywhere else
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Shell CashBack MasterCard® from BMO
Review
$0
no fee  
0.5% 
cash back per $1 
1.25 
cash back at Shell in Canada 
Net Rewards
$140
Show Offer Details
Offer Summary

  • Get $50 CashBack Rewards

  • 1.5 CashBack on every dollar you spend at Shell locations in Canada

  • Plus earn 1% cash back on everything else for the first 6 months and 0.5% CashBack on every dollar you spend thereafter
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed: Average

Shell CashBack World MasterCard® from BMO
Review
$79
per year  
1.25% 
cash back per $1 
3% 
Cash back at Shell locations 
Net Rewards
$196
Show Offer Details
Offer Summary

  • 3% CashBack on every dollar you spend at Shell locations in Canada

  • 1.25% CashBack on every dollar you spend on purchases everywhere else

  • FREE Roadside Assistant ($69/year value)
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $79
Annual Fee After First Year: $79

Eligibility

Personal Income: $60000
Household Income: $
Credit Needed: Excellent

BMO Rewards MasterCard

Review
$0
no fee  
1 
point per $1 
20,000 
BMO Rewards welcome points 
Net Rewards
$270 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Welcome offer: Welcome offer: Get up to 20,000 BMO Rewards welcome points and a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred.

  • Get 1 BMO Rewards point for every $1 spent

  • Earn faster with additional cardholders

  • Apply rewards toward the retail price of flights, hotels and more without mark-ups when you book through the BMO Reward Center

  • Get up to 25% off car rentals at National®#† Car Rental and Alamo®*‡ Rent A Car locations worldwide
  • Extended Warranty

  • Purchase Protection

  • Zero Dollar Liability: protects you from unauthorized use of your credit card

  • BMO is...
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $0
Credit Needed: Good

BMO CashBack MasterCard

Review
$0
no fee  
1% 
cash back on all purchases 
4% 
Cash back 1st 4 months 
Net Rewards
$274 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Welcome offer: Get up to 4% cash back on every purchase in your first 4 months and a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred*.

  • Earn 1% CashBack on ALL card purchases* without restrictions!*

  • No Annual fee*

  • Receive a discount on car rentals*

  • Extended Warranty*

  • Purchase Protection*

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

  • *Terms and conditions apply
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

BMO SPC CashBack MasterCard
Review
$0
no fee  
1% 
cash back on all purchases 
4% 
cash back in your 1st 4 months  
Net Rewards
$274
Show Offer Details
Offer Summary

  • Welcome Offer: Get 4% cash back in your first 4 months to a maximum of $125 cash back

  • Earn 1% cash cack on ALL card purchases* without restrictions!

  • No annual fee

  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores

  • Exclusive deals and access to concerts, movie premiers, sports events and more with BMO Extra Deals

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

  • Terms and conditions apply
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed: None

BMO CashBack World Elite MasterCard

Review
$120
per year  
1.5% 
cash back on all purchases 
4% 
Cash back 1st 4 months 
Net Rewards
$300 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Welcome Offer: Get 4% cash back on every purchase (up to $250 cash back) in your first 4 months.

  • Earn 1.5% CashBack on ALL card purchases - without restrictions!

  • Complimentary membership in Mastercard Airport

  • Experiences provided by LoungeKey

  • Complimentary Roadside Assistance Program

  • BMO CashBack World Elite Travel and Medical Protection

  • Extended Warranty Plus

  • Purchase Protection Plus

  • BMO Concierge Service

  • Please note: the average cashback rewards calculator is based on your total monthly spend, and takes into account the welcome bonus.

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for...
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $120
Annual Fee After First Year: $120

Eligibility

Personal Income: $80000
Household Income: $150000
Credit Needed: Good

BMO CashBack® Business Mastercard
Review
$0
no fee  
6% 
cash back on categories 
N/A 
 
Net Rewards
$301
Show Offer Details
Offer Summary

  • Welcome Offer: Get 6% cash back on gas, office supplies and cell phone/internet bills for 4 months

  • Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments

  • 1.75% cash back at Shell®

  • 0.75% cash back on all other card purchases

  • 25 payment grace days

  • Optional Employee Cards - empower employees with delegated purchasing authority

  • Use your card at Costco locations across Canada

  • Our Liability Waiver Program protects your business against employee card abuse
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 20%
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Good

BMO AIR MILES World Elite MasterCard
Review
$120
1st year free, $120 after  
1 
mile per $10 
2,000 
Bonus Air Miles 
Net Rewards
$480 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Welcome Offer: Get 2,000 AIR MILES Bonus Miles after your first card purchase*

  • Exclusive 15% Flight Discount on all AIR MILES flights in North America with no blackout periods*

  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus two annual complimentary passes
  • Earn 1 reward mile for every $10 in credit card purchases, everywhere you spend

  • Earn Miles twice when you use your BMO AIR MILES Mastercard and show your AIR MILES Card at AIR MILES Partners

  • BMO AIR MILES World Elite Travel and Medical Protection

  • BMO Concierge Service

  • Use your card at Costco

  • BMO is not...
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $120

Eligibility

Personal Income: $80000
Household Income: $150000
Credit Needed: Good

BMO World Elite MasterCard
Review
$150
1st year free, $150 after  
3 
point per $1 on categories 
35,000 
Welcome bonus points 
Net Rewards
$542 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Welcome Offer: Get 35,000 welcome points (after you spend $3,000 in the first 3 months)

  • Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases

  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus four annual complimentary passes

  • Get 2 points for every $1 spent everywhere else* Points can be used to cover all flight charges & taxes Fly on any airline, with no blackout dates

  • Best in-class travel and medical insurance (unlimited trips per year)

  • BMO Concierge Service

  • BMO is not responsible for maintaining the content on this site. Please click on...
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $150

Eligibility

Personal Income: $80000
Household Income: $150000
Credit Needed: Excellent
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