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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
  • Air Miles 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.

Our top picks
Credit card Great features Annual fee First-year value*

1. BMO eclipse Visa Infinite* Card 

 

  • Flexible BMO Rewards redeemable for travel or statement credits, $50 annual lifestyle credit, travel insurance
$120 (Waived first year) $996

2. BMO AIR MILES®† World Elite®* Mastercard®*

  • Flexible BMO Rewards redeemable for travel or statement credits, $200 annual lifestyle credit, travel insurance, six free lounge visits per year, Priority PassTM membership
$120 (Waived first year) $891

3. BMO eclipse Visa Infinite* Privilege Card

 

  • Flexible BMO Rewards redeemable for travel or statement credits, $200 annual lifestyle credit, travel insurance, six free lounge visits per year, Priority PassTM membership
$499 $625

4. BMO CashBack Mastercard®*

  • No fee, cash back
$0

$388

5. BMO CashBack Mastercard®* for Students

  • Student
$0

$364

6. BMO Rewards Mastercard®*

  • Flexible BMO Rewards points that can be spent on travel or statement credits (cash back)
$0

$241

7. BMO Preferred Rate Mastercard®*

  • Low-interest rate
$20 (Waived first year) $275

BMO eclipse Visa Infinite* Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Cash bonus
$50
+ Welcome bonus
$450
+ Annual rewards
$546
- Annual fee (First Year Waived)
$0
Total first year value
$1046
BMO eclipse Visa Infinite* Card

card image
Welcome bonus
$450
BMO Rewards points
Annual rewards
$546
BMO Rewards points
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases • 23.99% on cash advances
Get a $50 CashSurge from RATESDOTCA
Designed for the lifestyle of the urban digital millennial
Details at a glance Collapse details
Welcome bonus
$450
Annual rewards
$546
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Cash bonus
$50
+ Welcome bonus
$450
+ Annual rewards
$546
- Annual fee (First Year Waived)
$0
Total first year value
$1046
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases
23.99 on cash advances
Get a $50 CashSurge from RATESDOTCA
Designed for the lifestyle of the urban digital millennial
Details at a glance Collapse details

Apply for the BMO eclipse Visa Infinite* Card and earn up to 60,000 bonus BMO Rewards points in the first year. Earn 30,000 BMO Rewards points when you spend at least $3,000 in the first three months and get another 30,000 points when you surpass your 12-month account anniversary. Plus, BMO will waive the $120 annual fee for the primary account holder for the first year.

You can also earn 10% more rewards when you add an authorized user to your account, and you can enjoy a $50 annual lifestyle credit.

According to our Best of Finance methodology, the average Canadian will earn roughly $996 in the first year.

Credit score requirement for approval:

Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.

Annual fee:

$120

Each supplementary card has a $50 annual fee.

Limited time offer/bonus:

  • Earn up to 60,000 bonus BMO Rewards points in the first year. Receive 30,000 BMO Rewards points when you make at least $3,000 in purchases in the first three months and get another 30,000 points at your 12-month account anniversary. Plus, BMO will waive the $120 annual fee for the first year.

Offer expiry date: N/A - Ongoing Offer

Rewards:

  • Earn five BMO Rewards points per dollar you spend on groceries, dining, gas and transportation, up to $50,000 in purchases per year. After, earn one point per dollar you spend.
  • Earn one BMO Rewards point per dollar you spend everywhere else you shop.

Earning potential:

How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.

Rewards earned over a 12-month period = 141,829 BMO Rewards points
Monetary value = $946.00
Annual statement credit = $50
Annual fee = $0*
Total earned over the first year (rewards + statement credit - annual fee) = $996.00**

*Get a rebate for the $120 annual fee for the primary cardholder for the first year.

** This calculation does not include the 10% more rewards cardholders can earn for adding a supplementary cardholder.

You can redeem your points for:

  • Travel
  • Vacation packages
  • Hotels
  • Rental cars
  • Cruises
  • Merchandise
  • Gift cards
  • Turn points into a statement credit
  • Contribute to your BMO investment account

Insurance:

  • Out-of-province/country emergency medical insurance
  • Common carrier insurance
  • Car rental collision and loss damage insurance
  • Mobile device insurance (up to $1,000)
  • Purchase security
  • Extended warranty

Other perks:

  • Primary cardholders can enjoy a $50 annual lifestyle credit after making a purchase equal to or greater than $50 (the amount of the credit).
  • Cardmembers can earn 10% more points when they add an authorized user to the account.
  • Access exclusive wine and dining events through the Visa Infinite Dining Series and Visa Infinite Wine Country collections.

BMO AIR MILES®† World Elite®* Mastercard®*

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$344
+ Annual rewards
$430
- Annual fee (First Year Waived)
$0
Total first year value
$774
BMO AIR MILES World Elite* Mastercard*

card image
Welcome bonus
$344
AIR MILES Rewards
Annual rewards
$430
AIR MILES Rewards
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases • 23.99% on cash advances
Great rewards card for Air Miles collectors
Includes comprehensive travel insurance and access perks
Details at a glance Collapse details
Welcome bonus
$344
Annual rewards
$430
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$344
+ Annual rewards
$430
- Annual fee (First Year Waived)
$0
Total first year value
$774
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases
23.99 on cash advances
Great rewards card for Air Miles collectors
Includes comprehensive travel insurance and access perks
Details at a glance Collapse details

The BMO AIR MILES®† World Elite®* Mastercard®* is offering new cardholders 2,000 bonus AIR MILES when they spend at least $3,000 within the first three months. Cardholders can enjoy exclusive VIP access and two annual passes with a complimentary membership to Mastercard Airport Experiences provided by LoungeKey. Plus, BMO will waive the $120 annual fee for the first year.

According to our Best of Finance methodology, the average Canadian will see $774 in AIR MILES points within the first year.

Credit score requirement for approval:

Excellent: You’ve had a credit card or loan for at least 10 years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on your existing credit cards for the past six months.

Annual fee:

$120

Limited time offer/bonus:

  • New cardmembers can earn 2,000 bonus AIR MILES when they spend at least $3,000 within the first three months.

Offer expiry date: N/A - Ongoing Offer

Rewards:

  • Earn 3 miles for every $12 spent at participating AIR MILES partners.
  • Earn 2 miles for every $12 spent at any eligible grocery store.
  • Earn 1 AIR MILES reward mile for every $12 in credit card purchases.

Earning potential:

How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.

Rewards earned over a 12-month period = 4,500 AIR MILES (including the 2,000 bonus AIR MILES)
Monetary value = $774
Annual fee = $0
Total earned over the first year (rewards minus annual fee) = $774

*The $120 annual fee is waived for the first year. Also, we put the value of an AIR MILE at 17.2 cents; however, redemption value varies depending on how you choose to spend your AIR MILES.

You can redeem your points for:

AIR MILES are transferred to the AIR MILES Collector number associated with BMO AIR MILES®† World Elite®* Mastercard®* once a month and are redeemed through the AIR MILES program.

  • Merchandise
  • Gift cards
  • Events and attractions
  • Travel

Insurance:

  • BMO AIR MILES World Elite Travel and Medical Protection
  • Collision damage waiver on rental cars
  • Purchase protection
  • Extended warranty
  • Zero Liability

Other perks:

  • Enjoy VIP access with a complimentary membership in Mastercard Airport Experiences provided by LoungeKey and two annual passes.
  • Take 15% off admission to Cirque du Soleil shows touring Canada and 20% off resident shows in Las Vegas.
  • Double-dip on points when you use your AIR MILES Collector card at participating partner stores.

BMO eclipse Visa Infinite Privilege* Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$333
+ Annual rewards
$791
- Annual fee
$499
Total first year value
$625
BMO eclipse Visa Infinite Privilege* Card

card image
Welcome bonus
$333
BMO Rewards points
Annual rewards
$791
BMO Rewards points
Annual fees:
$499
Interest rates:
20.99% on purchases • 23.99% on cash advances
Exceptional travel perks - including 6 free lounge visit passes
Redeem points for travel or cashback, including "pay with points" on any purchase
Details at a glance Collapse details
Welcome bonus
$333
Annual rewards
$791
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$333
+ Annual rewards
$791
- Annual fee
$499
Total first year value
$625
Annual fees:
$499
Interest rates:
20.99% on purchases
23.99 on cash advances
Exceptional travel perks - including 6 free lounge visit passes
Redeem points for travel or cashback, including "pay with points" on any purchase
Details at a glance Collapse details

New members of the BMO eclipse Visa Infinite Privilege* Card can earn up to 120,000 bonus BMO Rewards points. Get 50,000 BMO Rewards points when you spend at least $6,000 in the first three months. Plus, get 30,000 points when you spend at least $30,000 in the first 6 months, and receive an additional 40,000 points when you spend at least $75,000 in the first year

Not only that, but this card offers a $200 annual lifestyle credit, and you can earn 25% more rewards when you add an authorized user to your account.

According to our Best of Finance methodology, the average Canadian will see a value of $625 in the first year.

Credit score requirement for approval:

Excellent: You’ve had a credit card or loan for at least 10 years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on your existing credit cards for the past six months.

Annual fee:

$499

Each supplementary card has a $99 annual fee.

Limited time offer/bonus:

  • Get up to 120,000 points*.

Offer expiry date: N/A - Ongoing Offer

Rewards:

  • Earn five BMO Rewards points per dollar you spend on groceries, dining, drugstore, gas and travel, up to $100,000 in purchases per year. After, earn one point per dollar you spend.
  • Earn one BMO Rewards point per dollar everywhere else you shop.

Earning potential:

How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.

Rewards earned over a 12-month period = 138,739 BMO Rewards points
Monetary value = $924
Annual statement credit = $200
Annual fee = $499
Total earned over the first year (rewards + statement credit - annual fee) = $625*

*This calculation does not include the 25% more rewards cardholders can earn for adding a supplementary cardholder.

You can redeem your points for:

  • Travel
  • Vacation packages
  • Hotels
  • Rental cars
  • Cruises
  • Merchandise
  • Gift cards
  • Turn points into a statement credit
  • Contribute to your BMO investment account

Insurance:

  • Out-of-province/country emergency medical insurance
  • Tripp cancellation/trip interruption insurance
  • Baggage delay, loss and damage insurance
  • Common carrier insurance
  • Car rental collision and loss damage insurance
  • Hotel burglary insurance
  • Mobile device insurance (up to $1,000)
  • Extended warranty
  • Purchase security insurance

Other perks:

  • Primary cardholders can enjoy a $200 annual lifestyle credit after making a purchase equal to or greater than $200 (the amount of the credit).
  • Cardmembers can earn 25% more points when they add an authorized user to the account.
  • Save time and connect to the Visa Infinite Privilege Concierge for top recommendations and reservations.
  • Take advantage of the complimentary Priority PassTM membership and access over 1000 airport lounges in 148 countries. Plus, receive six free lounge visits per year. This benefit has a value of roughly US$300.
  • Enjoy perks at select Canadian airports, including admittance to the Priority Security Lane and savings on airport parking and valet services.
  • Access exclusive wine and dining events through the Visa Infinite Dining Series and Visa Infinite Wine Country collections.

BMO CashBack Mastercard®*

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Cash bonus
$50
+ Welcome bonus
$100
+ Annual rewards
$288
- Annual fee
$0
Total first year value
$438
BMO CashBack Mastercard®*

card image
Welcome bonus
$100
BMO Cash Back Rewards
Annual rewards
$288
BMO Cash Back Rewards
Annual fees:
$0
Interest rates:
20.99% on purchases • 22.99% on cash advances
[[gift]]Get a $50 CashSurge from RATESDOTCA
2024 Winner – Best Credit Card For Newcomers To Canada
Details at a glance Collapse details
Welcome bonus
$100
Annual rewards
$288
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Cash bonus
$50
+ Welcome bonus
$100
+ Annual rewards
$288
- Annual fee
$0
Total first year value
$438
Annual fees:
$0
Interest rates:
20.99% on purchases
22.99 on cash advances
[[gift]]Get a $50 CashSurge from RATESDOTCA
2024 Winner – Best Credit Card For Newcomers To Canada
Details at a glance Collapse details

The BMO CashBack Mastercard®* offers members 5% cash back for the first three months*. After that, earn 3% back on grocery purchases, 1% back on recurring bill payments, and 0.5% back on everything else you buy. Earn even faster by adding additional cardholders for free.

According to our Best of Finance methodology, the average Canadian will have $383 within the first year.

*Conditions apply.

Credit score requirement for approval:

Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.

Annual fee:

$0

Limited time offer/bonus:

  • New cardmembers can get 5% cash back for the first three months. You will earn the regular 3% cash back rate on grocery purchases, up to $500 per billing cycle, with a bonus rate of an additional 2% back on your first $500 spend over the first three months. You will also receive the regular earn rate of 1% cash back on recurring bill payments up to $500 per billing cycle, with a bonus rate of an additional 4% cash back on your first $500 spend over the first three months. For all other purchases, you will receive the regular earn rate of 0.5% cash back, with a bonus of an additional 4.5% back on your first $1,500 spend over the first three months.

Sign-up bonus expiry date: N/A - Ongoing Offer

Rewards:

  • Get 3% cash back on grocery purchases, up to $500 in total purchases per month.
  • Get 1% cash back on recurring bill payments, up to $500 spent per billing cycle.
  • Get 0.5% unlimited cash back on all other purchases.

Earning potential:

How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.

Rewards earned over a 12-month period = $383
Annual fee = $0
Total earned over the first year (rewards minus annual fee) = $383

You can redeem your points for:

  • Deposit your cash back into your BMO chequing or savings account.
  • Deposit your cash back into your BMO InvestorLine account.
  • Apply your cash back as a statement credit.

Insurance:

  • Purchase protection
  • Extended warranty
  • Zero Liability

Other perks:

  • Cardholders can get up to 25% off car rentals at participating National Car Rental and Alamo Rent A Car locations.
  • Receive 15% off admission to Cirque du Soleil shows touring Canada and 20% resident shows in Las Vegas.

BMO CashBack Mastercard®* for Students

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$76
+ Annual rewards
$288
- Annual fee
$0
Total first year value
$364
BMO CashBack® Mastercard®* for students

card image
Welcome bonus
$76
BMO Cash Back Rewards
Annual rewards
$288
BMO Cash Back Rewards
Annual fees:
$0
Interest rates:
20.99% on purchases • 22.99% on cash advances
No annual fee card that offering an attractive sign-up bonus
Students can enjoy rental car discounts and shopping insurance
Details at a glance Collapse details
Welcome bonus
$76
Annual rewards
$288
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$76
+ Annual rewards
$288
- Annual fee
$0
Total first year value
$364
Annual fees:
$0
Interest rates:
20.99% on purchases
22.99 on cash advances
No annual fee card that offering an attractive sign-up bonus
Students can enjoy rental car discounts and shopping insurance
Details at a glance Collapse details

The BMO CashBack Mastercard®* for Students offers cardholders 5% cash back for the first three months*. After that, earn 3% back on grocery purchases, 1% back on recurring bill payments, and 0.5% back on all other purchases, even textbooks and supplies purchased with the card.

According to our Best of Finance methodology, the average Canadian student will get $364 back within the first year.

*Conditions apply.

Credit score requirement for approval:

Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.

Annual fee:

$0

Limited time offer/bonus:

  • New cardmembers can get 5% cash back for the first three months. You will earn the regular 3% cash back rate on grocery purchases, up to $500 per billing cycle, with a bonus rate of an additional 2% back on your first $500 spend over the first three months. You will also receive the regular earn rate of 1% cash back on recurring bill payments up to $500 per billing cycle, with a bonus rate of an additional 4% cash back on your first $500 spend over the first three months. For all other purchases, you will receive the regular earn rate of 0.5% cash back, with a bonus of an additional 4.5% back on your first $1,500 spend over the first three months.

Sign-up bonus expiry date: N/A - Ongoing Offer

Rewards:

  • Get 3% cash back on grocery purchases, up to $500 in total purchases per month.
  • Get 1% cash back on recurring bill payments, up to $500 spent per billing cycle.
  • Get 0.5% unlimited cash back on all other purchases.

Earning potential:

How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.

Rewards earned over a 12-month period = $364
Annual fee = $0
Total earned over the first year (rewards minus annual fee) = $364

You can redeem your points for:

  • Deposit your cash back into your BMO chequing or savings account.
  • Deposit your cash back into your BMO InvestorLine account.
  • Apply your cash back as a statement credit.

Insurance:

  • Purchase protection
  • Extended warranty

Other perks:

  • Enjoy discounts on car rentals at participating National Car Rental and Alamo Rent A Car locations.
  • Cardholders receive 15% off admission to Cirque du Soleil shows touring Canada and 20% resident shows in Las Vegas.

BMO Rewards Mastercard®*

Apply for the BMO Rewards Mastercard®* before October 31, 2021, and earn 10,000 bonus BMO Rewards points when you spend at least $1,000 within the first three months. Not only that, access a low introductory interest rate of 1.99% on balance transfers for the first nine months and pay a 1% fee on the amount transferred.

According to our Best of Finance methodology, you could have $241 in BMO Rewards points within the first year.

Credit score requirement for approval:

Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.

Annual fee:

$0

Limited time offer/bonus:

  • New cardmembers can get 10,000 bonus BMO Rewards points when they spend at least $1,000 within the first three months.
  • Access a 1.99% introductory interest rate on balance transfers for nine months with a 1% fee on amounts transferred.

Sign-up bonus expiry date: N/A - Ongoing Offer

Rewards:

  • Earn one BMO Rewards point for every dollar you spend.

Earning potential:

How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.

Rewards earned over a 12-month period = 39,000 BMO Rewards points (including welcome bonus)
Monetary value: $241
Annual fee = $0
Total earned over the first year (rewards minus annual fee) = $241

You can redeem your points for:

  • Travel
  • Vacation packages
  • Hotels
  • Rental cars
  • Cruises
  • Merchandise
  • Gift cards
  • Turn points into a statement credit
  • Redeem a minimum of 15,000 points toward a $100 financial reward in your BMO investment account

Insurance:

  • Purchase assurance
  • Extended warranty
  • Zero Liability

Other perks:

  • Receive double the BMO Rewards points and up to 25% off car rentals at National Car Rental and Alamo Rent A Car locations worldwide.
  • Enjoy 15% off tickets to Cirque du Soleil shows touring Canada and 20% off resident shows in Las Vegas.

BMO Preferred Rate Mastercard®*

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual savings
$305
- Annual fee (First Year Waived)
$0
Total first year value
$305
BMO Preferred Rate Mastercard*

card image
Welcome bonus
$0
None
Annual savings
$305
None
Annual fees:
$29 (First Year Waived)
Interest rates:
13.99% on purchases • 15.99% on cash advances
Strong choice for users interested in paying off existing credit card debt
Permanent interest rate of only 13.99%
Details at a glance Collapse details
Welcome bonus
$0
Annual savings
$0
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$0
+ Annual savings
$305
- Annual fee (First Year Waived)
$0
Total first year value
$305
Annual fees:
$29 (First Year Waived)
Interest rates:
13.99% on purchases
15.99 on cash advances
Strong choice for users interested in paying off existing credit card debt
Permanent interest rate of only 13.99%
Details at a glance Collapse details

The BMO Preferred Rate Mastercard®* offers members a low-interest rate of 12.99% on purchases and cash advances. Cardholders can also take advantage of the 3.99% introductory interest rate on balance transfers for nine months. A 1% fee does apply to the amount transferred. Plus, BMO will waive the $20 annual fee for the first year.

Credit score requirement for approval:

Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.

Annual fee:

$20

Limited time offer/bonus:

  • Take advantage of the 3.99% introductory interest rate on balance transfers for nine months. A fee of 1% of the amount transferred does apply.
  • BMO will rebate the $20 annual fee for the first year.

Sign-up bonus expiry date: July 31, 2023

Earning potential:

Although this card doesn’t offer travel perks or cash back, cardholders can take advantage of the low introductory interest rate on balance transfers and the low-interest rate on purchases and cash advances.

Insurance:

  • Purchase protection
  • Extended warranty
  • Zero Dollar Liability

Other perks:

  • Get 15% off admission to Cirque du Soleil shows touring Canada and 20% off resident shows in Las Vegas.

*Rates, product information, and rewards estimates are subject to change at any time and do not constitute financial advice.


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.

BMO partnerships

BMO offers Air Miles credit cards that allow you to earn Air Miles for exclusive travel rewards and perks. You can earn twice the amount of Air Miles when you use your BMO Air Miles credit card at participating retailers. Use your Miles for great travel rewards, merchandise, event tickets and much more.

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