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2026's Best BMO Credit Cards
Take advantage of great BMO credit card offers today.
The Bank of Montreal
The Bank of Montreal (BMO), founded in 1817 in Montreal, Quebec, is among the ten largest banks in North America. BMO offers a wide range of credit cards to Canadians, ranging from student credit cards to rewards credit cards.
BMO offers you the following types of credit cards:
- Cash back credit cards
- Low interest credit cards
- Student credit cards
- Travel rewards credit cards
- No fee credit cards
Compare the best BMO credit cards available in Canada and find the best one for you.
| Great features | Annual fee | First-year value* | |
|---|---|---|---|
| Flexible BMO Rewards redeemable for travel or statement credits, $50 annual lifestyle credit, travel insurance | $120 (waived the first year) | $1,062 | |
| Get up to $650 in value and the annual fees waived in the first year. | $139 (first year waived) | $1,074 | |
| No fee, cashback rewards | $0 | $388 | |
| Perks geared towards making campus life more enjoyable | $0 | $388 | |
| Low interest rate | $29 (waived the first year) | Low interest rate on balances |
*The Rates.ca Best of Finance methodology assumes the cardholder spends an average of $2,000 a month on their card to determine the first-year value. The calculation includes all welcome bonuses and promotional offers at the time of publishing.
BMO eclipse Visa Infinite* Card
BMO eclipse Visa Infinite Privilege* Card
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BMO CashBack Mastercard®*
BMO CashBack Mastercard®* for Students
BMO Preferred Rate Mastercard®*
Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. Rates.ca may receive a referral fee from our partners or affiliate links featured on the site; however, our editorial choices are objective and free from bias. The opinions expressed in this article are purely those of Rates.ca; thus, the credit card issuers and partners are not responsible for any editorials or reviews that may appear. Please visit the associated brand’s website for complete and current terms and conditions on any product or service mentioned. The information in this article is accurate as of the date of this posting, January 28, 2026. Read our full disclaimer.
BMO rewards program
The Bank of Montreal offers a great rewards program for eligible credit card holders. See the best BMO rewards:
- Travel rewards– You can redeem your rewards points for several travel rewards such as flights, hotels, cruises, vacation packages and car rentals.
- Statement credit– Pay off your credit balance by using your points as statement credit for your credit card.
- Investment rewards – BMO allows you to use your rewards points to contribute an amount to your online BMO investment account.
- Merchandise and gift cards rewards- Redeem your points for a wide range of merchandise and gift cards from the BMO Rewards online catalogue.
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