In the vibrant world of credit cards, finding the right fit can be a game-changer for your finances. And if you’re in Canada, the BMO lineup holds some real gems. Picture this: having a card that not only complements your spending habits but also showers you with rewards and perks. That’s where our guide to the top 5 BMO credit cards steps in. We’re on a mission to unveil these financial superheroes, each with its own set of powers—whether it’s cashback on everyday purchases, travel perks for your wanderlust, or perhaps the allure of low interest rates. Buckle up as we navigate through these offerings, giving you the lowdown on which card might just be the perfect match for your lifestyle and wallet.
The world of credit cards is more than just pieces of plastic; it’s about enhancing your lifestyle, maximizing your savings, and enjoying the journey along the way. BMO’s array of credit cards is like a treasure trove, each card holding its own unique value proposition. Through this guide, we aim to help you sift through these options, making the often overwhelming decision-making process a breeze. So, whether you’re a savvy traveler seeking flight perks or someone who loves the idea of cashback on daily purchases, stick around as we break down these top 5 BMO credit cards and their incredible offerings.
But hey, it’s not just about the features; it’s about finding a card that syncs seamlessly with your spending habits and financial goals. The right card isn’t just about swiping—it’s about the lifestyle it can enhance and the benefits it can bring. From rewards tailored to your preferences to perks that amplify your experiences, these cards could be your financial sidekick. Let’s delve into these BMO credit card wonders and help you uncover the perfect match for your wallet and your dreams.
BMO CashBack World Elite Mastercard
The BMO CashBack World Elite Mastercard is a popular choice for Canadian consumers looking for a cash-back credit card with attractive rewards and benefits. With this card, you can earn cash back on your everyday purchases, making it a smart choice for those who want to maximize their spending.
One of the key features of the BMO CashBack World Elite Mastercard is the flexible redemption options. You can redeem your cash back as a statement credit or deposit it into your BMO account, giving you the flexibility to use the rewards in a way that suits you best.
This card offers a generous cash-back rate on various spending categories. You can earn 5% cash back on groceries, making it ideal for those who spend a significant amount on their weekly grocery shopping. In addition, you can earn 4% cash back on transit, 3% cash back on gas, 2% cash back on recurring bills, and 1% cash back on all other purchases. With these rates, you can earn substantial cash-back rewards on your everyday expenses.
As a welcome offer, the BMO CashBack World Elite Mastercard provides 10% cash back for the first three months, giving you an extra boost when you first start using the card. The annual fee for this card is $120, but it is waived for the first year, allowing you to enjoy the benefits of the card without any upfront cost.
Key Features of the BMO CashBack World Elite Mastercard:
- Earn 5% cash back on groceries
- Earn 4% cash back on transit
- Earn 3% cash back on gas
- Earn 2% cash back on recurring bills
- Earn 1% cash back on all other purchases
- Welcome offer: 10% cash back for the first three months
- Annual fee: $120 (waived in the first year)
The BMO CashBack World Elite Mastercard is a great choice for individuals and families who want to earn cash back on their everyday purchases and enjoy the benefits of a premium credit card. Whether you’re buying groceries, filling up your gas tank, or paying recurring bills, this card offers competitive cash back rates that can add up to significant savings over time.
BMO Eclipse Visa Infinite Card
The BMO Eclipse Visa Infinite Card is a popular choice for Canadian consumers looking for a rewards credit card with attractive benefits. With this card, you can earn 5 points for every dollar spent on gas, groceries, restaurants, and transit, and 1 point on all other purchases. The card also offers a welcome offer of 60,000 points in the first year, making it a great incentive to get started.
What sets the BMO Eclipse Visa Infinite Card apart from other rewards credit cards is the additional benefits it provides. Cardholders have access to exclusive perks such as Visa Infinite hotels, restaurants, and golf courses. Plus, you’ll receive a $50 annual lifestyle credit that you can use towards eligible purchases, further enhancing the value of this card.
If you’re looking for a versatile and rewarding credit card, the BMO Eclipse Visa Infinite Card is worth considering. With its generous rewards program, welcome offer, and additional benefits, it offers a comprehensive package for those who want to maximize their rewards and enjoy exclusive perks.
Student BMO CashBack Mastercard
The Student BMO CashBack Mastercard is a great choice for students who want to start building credit while earning cash-back rewards. This BMO credit card offers attractive benefits and rewards specifically tailored to the needs and spending habits of students in Canada.
Key Features of the Student BMO CashBack Mastercard
- Earn 3% cash back on groceries, allowing you to save on essential food items.
- Get 2% cash back on recurring bills, such as your cellphone or internet bill.
- Enjoy 0.5% cash back on all other purchases, giving you rewards on everyday expenses.
- No annual fee, helping you save money while you’re studying.
With the Student BMO CashBack Mastercard, you can earn cash back on your everyday purchases, helping you make the most of your money. Whether you’re buying groceries, paying bills, or making other purchases, this BMO credit card rewards you for your spending. Plus, there’s no annual fee, making it an affordable choice for students.
If you’re a student in Canada looking for a credit card that can help you build credit and earn rewards, the Student BMO CashBack Mastercard is worth considering. Start earning cash back on your purchases and take advantage of the benefits offered by this BMO credit card designed with students in mind.
| Key Features | Earn Rate | Annual Fee |
|---|---|---|
| 3% cash back on groceries | 2% cash back on recurring bills | No annual fee |
| 0.5% cash back on all other purchases |
BMO CashBack Mastercard
The BMO CashBack Mastercard is a no-fee credit card that offers a range of benefits and rewards to Canadian consumers. With this cash-back credit card, you can earn 3% cash back on groceries, 1% on monthly bills, and 0.5% on other eligible purchases. It’s a great option for those who want to earn cash back on their everyday spending without paying an annual fee.
Additionally, the BMO CashBack Mastercard provides a welcome offer of 5% cash back for the first three months, allowing you to maximize your rewards right from the start. If you have existing credit card debt, you can also take advantage of the 0.99% interest on balance transfers for the first nine months, giving you the opportunity to save on interest charges.
With the BMO CashBack Mastercard, you can manage your finances efficiently and enjoy the convenience of a no-fee credit card. Whether you’re looking to earn cash back on groceries, bills, or other purchases, this card offers a simple and rewarding way to make the most of your spending.
The Benefits of the BMO CashBack Mastercard:
- No annual fee: Keep more money in your pocket with a credit card that doesn’t charge an annual fee.
- Cash back rewards: Earn cash back on groceries, bills, and other purchases, allowing you to save money or use the rewards towards future purchases.
- Welcome offer: Take advantage of the 5% cash back welcome offer for the first three months of card membership.
- Balance transfer offer: Save on interest charges with the 0.99% interest rate on balance transfers for the first nine months.
Whether you’re a frequent shopper or looking for a no-fee credit card, the BMO CashBack Mastercard is a great option to consider. Apply today and start earning cash back on your everyday purchases!
| BMO CashBack Mastercard | Benefits |
|---|---|
| No annual fee | Earn cash back on groceries, bills, and other purchases |
| Welcome offer of 5% cash back for the first three months | 0.99% interest on balance transfers for the first nine months |
BMO Ascend World Elite Mastercard: Your Key to Travel Rewards
If you’re a high-income earner with a passion for travel, the BMO Ascend World Elite Mastercard is the perfect travel credit card for you. With its generous rewards program and comprehensive insurance coverage, this card allows you to earn points on every purchase and enjoy exclusive travel benefits.
With the BMO Ascend World Elite Mastercard, you’ll earn 5 points for every dollar spent on travel purchases, 3 points on groceries, dining, and entertainment, and 1 point on all other purchases. These points can be redeemed for flights, hotel stays, car rentals, and more, giving you the flexibility to travel the world in style.
But the rewards are just the beginning. As a cardholder, you’ll also enjoy comprehensive insurance coverage, including travel medical insurance, trip cancellation insurance, and car rental insurance. Plus, you’ll have access to exclusive VIP lounge experiences and concierge services to enhance your travel experience.
Unlock a World of Travel Opportunities
With the BMO Ascend World Elite Mastercard, you’ll have the power to explore new destinations and create unforgettable memories. Whether you’re jetting off on a business trip or planning a dream vacation, this travel credit card will take you places. Apply for the BMO Ascend World Elite Mastercard today and start earning points towards your next adventure.
| Key Features | Details |
|---|---|
| Earn Rate | – 5 points per dollar on travel purchases – 3 points per dollar on groceries, dining, and entertainment – 1 point per dollar on all other purchases |
| Welcome Offer | 60,000 points in the first year |
| Annual Fee | $150 (waived in the first year) |
| Insurance Coverage | – Travel medical insurance – Trip cancellation insurance – Car rental insurance |
| Additional Benefits | – Access to VIP lounges – Concierge services |
BMO AIR MILES World Elite Mastercard
If you’re an avid collector of AIR MILES and appreciate the value of travel rewards, the BMO AIR MILES World Elite Mastercard is the perfect credit card for you. With this card, you can earn AIR MILES on your everyday purchases and enjoy exclusive travel benefits.
The BMO AIR MILES World Elite Mastercard offers a generous welcome offer of 2,000 Air Miles when you spend $3,000 in the first 90 days. You’ll also receive an annual 25% flight redemption discount, making your dream vacation more accessible. Plus, there are no blackout periods, allowing you to redeem your Air Miles at any time.
To earn Air Miles, simply use your BMO AIR MILES World Elite Mastercard for your purchases. You’ll earn 3 Miles for every $12 spent at AIR MILES partners, 2 Miles at grocery stores, and 1 Mile for every $12 spent elsewhere. With a wide range of participating partners, you’ll have plenty of opportunities to earn Air Miles and turn them into exciting rewards.
| Key Features | Details |
|---|---|
| Welcome Offer | 2,000 Air Miles in the first 90 days |
| Earn Rate | 3 Miles for every $12 spent at AIR MILES partners 2 Miles at grocery stores 1 Mile for every $12 spent elsewhere |
| Annual Fee | $120 (waived in the first year) |
| Flight Redemption Discount | 25% annual flight redemption discount |
| Additional Benefits | No blackout periods Airport lounge access Travel insurance coverage |
With the BMO AIR MILES World Elite Mastercard, you can unlock a world of travel possibilities while enjoying the convenience and security of a BMO credit card. Apply today and start earning Air Miles towards your next adventure.
BMO AIR MILES Mastercard: Your No-Fee Credit Card for Earning AIR MILES
If you’re an avid AIR MILES collector looking for a no-fee credit card, the BMO AIR MILES Mastercard is the perfect choice for you. With this card, you can earn AIR MILES on your everyday purchases without paying an annual fee.
The BMO AIR MILES Mastercard offers a straightforward rewards program. For every $25 in net purchases at AIR MILES partners, you’ll earn 3 Miles. You’ll also earn 2 Miles at grocery stores and 1 Mile everywhere else. Start accumulating Miles and watch your balance grow.
In addition to earning Miles, the BMO AIR MILES Mastercard provides a welcome offer of 800 Air Miles in the first three months. This bonus can give your Miles balance a significant boost right from the start.
Not only can you earn AIR MILES with this card, but you can also convert your Miles into cash at AIR MILES partners. Plus, by scanning your AIR MILES Collector Card, you can earn additional Miles on select purchases.
Table: BMO AIR MILES Mastercard Features
| Feature | Details |
|---|---|
| Annual Fee | No fee |
| Welcome Offer | 800 Air Miles in the first three months |
| Earn Rate | 3 Miles for every $25 in net purchases at AIR MILES partners 2 Miles at grocery stores 1 Mile everywhere else |
| Additional Benefits | – Convert Miles into cash at AIR MILES partners – Earn additional Miles by scanning an AIR MILES Collector Card |
Apply for the BMO AIR MILES Mastercard today and start earning AIR MILES on your everyday purchases. With no annual fee and a welcome offer of 800 Air Miles, this no-fee credit card is a fantastic choice for AIR MILES collectors in Canada.
BMO Rewards Mastercard
The BMO Rewards Mastercard is an excellent choice if you’re looking for an introductory credit card that offers straightforward rewards and high-value redemption options. With this card, you can earn 1 point for every dollar spent on net card purchases. Plus, as a welcome offer, you’ll receive 10,000 points within the first 90 days of opening your account. Best of all, there’s no annual fee to worry about, making it a cost-effective option for those looking to start building their credit.
While the BMO Rewards Mastercard offers simplicity and value, it’s important to note that it only offers one general spending category for earning points. This can limit the earning potential compared to cards with multiple spending categories. Additionally, it’s crucial to manage your statements responsibly and pay them in full, as the interest rates on this card can reach up to 25.99% if not paid in full.
With its attractive rewards and no annual fee, the BMO Rewards Mastercard is a great choice for those who want to dip their toes into the world of credit cards and start earning valuable points.
| Key Features | Details |
|---|---|
| Welcome Offer | 10,000 points in the first 90 days |
| Annual Fee | No annual fee |
| Earning Rate | 1 point per dollar on net card purchases |
| Introductory Balance Transfer Rate | 0.99% interest on balance transfers for nine months |
Is the BMO Rewards Mastercard right for you?
The BMO Rewards Mastercard is a great choice if you’re new to the world of credit cards and want to start earning rewards without worrying about an annual fee. It’s also a good option if you prefer a straightforward rewards system and don’t mind not having multiple spending categories to earn points. However, if you’re a frequent spender in specific categories like groceries or travel, you may want to explore other BMO credit card options that offer higher earning rates in those areas.
Student BMO AIR MILES Mastercard
The Student BMO AIR MILES Mastercard offers students the opportunity to earn valuable AIR MILES rewards while managing their finances. As a student credit card, it is designed to suit the needs of students who prioritize travel rewards over cash back on their daily purchases. With this card, you can earn AIR MILES on every dollar spent, helping you save money on future flights, merchandise, and more.
With the Student BMO AIR MILES Mastercard, you earn 3 AIR MILES for every $25 spent at participating AIR MILES partners. You also earn 2 AIR MILES for every $25 spent on groceries and 1 AIR MILE for every $25 spent elsewhere. This allows you to accumulate AIR MILES quickly, making it easier to redeem them for the rewards you desire.
In addition to earning AIR MILES, the Student BMO AIR MILES Mastercard offers other benefits for students. These include Air Miles Gold Status discounts on flights and merchandise, which can help you stretch your rewards even further. Plus, the card has no annual fee, making it a cost-effective choice for students.
| Card Features | Details |
|---|---|
| Rewards | – 3 AIR MILES for every $25 spent at participating AIR MILES partners – 2 AIR MILES for every $25 spent on groceries – 1 AIR MILE for every $25 spent elsewhere |
| Additional Benefits | – Air Miles Gold Status discounts on flights and merchandise – No annual fee |
Why Choose the Student BMO AIR MILES Mastercard?
The Student BMO AIR MILES Mastercard is an excellent choice for students who want to earn rewards while managing their finances responsibly. With the ability to earn AIR MILES on everyday purchases, students can accumulate rewards quickly and enjoy the benefits of the AIR MILES program. Plus, the card’s additional benefits, such as Air Miles Gold Status discounts and no annual fee, make it even more attractive for students looking to maximize their rewards.
BMO eclipse Visa Infinite Privilege Card
The BMO eclipse Visa Infinite Privilege Card is a premium credit card offered by BMO Bank of Montreal. This exclusive card caters to frequent flyers and individuals with high levels of spending. With its generous rewards program and a range of additional benefits, it offers an unparalleled experience for cardholders.
With the BMO eclipse Visa Infinite Privilege Card, you can earn 5 points for every dollar spent on groceries, dining, fuel, travel, and drugstore purchases. This allows you to accumulate points quickly and maximize your rewards. For all other purchases, you will earn 1 point per dollar spent.
In addition to its exceptional rewards program, the BMO eclipse Visa Infinite Privilege Card offers a welcome offer of 90,000 points in the first year, providing an instant boost to your rewards balance. The card also provides access to priority airport lounge services, complimentary lounge passes, and exclusive VIP lounges, ensuring a luxurious travel experience.
To enjoy the benefits of this premium credit card, there is an annual fee of $499. While this fee may seem high, the earnings potential and additional perks make it worth considering for those who frequently travel and value exclusive privileges.
| Features | Benefits |
|---|---|
| 5 points per dollar on groceries, dining, fuel, travel, and drugstore purchases | Maximize rewards |
| 1 point per dollar on all other purchases | Consistent earning potential |
| Welcome offer of 90,000 points in the first year | Instant rewards boost |
| Access to priority airport lounge services | Luxurious travel experience |
| Complimentary lounge passes | Exclusive privileges |
| Exclusive access to VIP lounges | Enhanced travel benefits |
If you’re a frequent traveler who values premium rewards and exclusive benefits, the BMO eclipse Visa Infinite Privilege Card is an ideal choice. With its exceptional earning potential, welcome offer, and luxurious travel perks, this premium credit card provides an unparalleled experience for discerning cardholders.
BMO Bank of Montreal Credit Cards
BMO Bank of Montreal offers a wide range of credit cards designed to suit the diverse needs and preferences of Canadian consumers. With attractive rewards, perks, and benefits, BMO credit cards provide flexible options for various spending habits. Whether you’re looking for cash back, travel rewards, or AIR MILES, BMO has a credit card that can cater to your financial goals.
From the BMO CashBack World Elite Mastercard to the BMO Eclipse Visa Infinite Card, each credit card comes with its own unique features and benefits. BMO credit cards offer competitive cash back rates on groceries, gas, transit, and recurring bills, allowing you to earn rewards on your everyday purchases. With welcome offers and no annual fees for the first year on select cards, you can enjoy immediate benefits as a new cardholder.
BMO Bank of Montreal is one of Canada’s largest banks, known for its exceptional customer service and reliable financial solutions. Applying for a BMO credit card is quick and easy through their online application process. Simply visit the BMO Bank of Montreal website, browse through the available credit card options, and apply online. Once approved, your BMO credit card will be delivered to your address, ready for you to start enjoying the benefits and rewards.
| BMO Credit Card | Rewards | Annual Fee | Additional Benefits |
|---|---|---|---|
| BMO CashBack World Elite Mastercard | Cash back on groceries, transit, gas, and more | $120 (waived in the first year) | Welcome offer: 10% cash back for the first three months |
| BMO Eclipse Visa Infinite Card | Rewards points on gas, groceries, restaurants, and transit | $120 (waived in the first year) | Welcome offer: 60,000 points in the first year |
| Student BMO CashBack Mastercard | Cash back on groceries and recurring bills | No annual fee | Welcome offer: 5% cash back for the first three months |
| BMO CashBack Mastercard | Cash back on groceries and monthly bills | No annual fee | Welcome offer: 5% cash back for the first three months |
| BMO Ascend World Elite Mastercard | Rewards points on travel, groceries, dining, and entertainment | $150 (waived in the first year) | Welcome offer: 60,000 points in the first year |
| BMO AIR MILES World Elite Mastercard | AIR MILES for flights, groceries, and other eligible purchases | $120 (waived in the first year) | Welcome offer: 2,000 Air Miles during the first 90 days |
With a variety of credit cards to choose from, BMO Bank of Montreal provides Canadians with an excellent selection of options to meet their individual needs. Whether you’re a student, a frequent traveler, or someone looking for a no-fee card, BMO has a credit card that can provide the rewards and benefits you’re looking for. Apply today and start enjoying the advantages of being a BMO credit cardholder.
Why Choose BMO Credit Cards
When it comes to credit cards in Canada, BMO Bank of Montreal stands out as a trusted and reliable provider. There are several compelling reasons why you should consider choosing BMO credit cards for your financial needs. Let’s explore the benefits that these cards offer.
Flexible Rewards and Perks
BMO credit cards are designed with attractive rewards and perks that cater to different lifestyles and spending habits. Whether you prefer cash back, travel rewards, or AIR MILES, BMO has a credit card that suits your preferences. With their wide range of options, you can earn valuable rewards on everyday purchases and enjoy additional benefits such as welcome offers, bonus points, and access to exclusive privileges.
Trusted Canadian Banking Institution
BMO Bank of Montreal has a long-standing reputation as one of Canada’s largest banks. Choosing a BMO credit card means you can rely on the bank’s expertise, stability, and commitment to customer satisfaction. With a strong network of branches and ATMs across the country, BMO provides convenience and accessibility for all your banking needs.
Exceptional Customer Service
One of the key advantages of choosing BMO credit cards is their exceptional customer service. BMO’s dedicated team is available to assist you with any inquiries or concerns, ensuring that you have a seamless and satisfying experience. Whether you need assistance with your credit card application, rewards redemption, or general banking inquiries, BMO’s knowledgeable staff is always ready to help.
| Benefits of BMO Credit Cards |
|---|
| Attractive rewards and perks |
| Flexible options for cash back, travel rewards, and AIR MILES |
| Access to welcome offers and bonus points |
| Additional benefits such as insurance coverage and exclusive privileges |
| Trusted Canadian banking institution |
| Convenience and accessibility with a wide network of branches and ATMs |
| Exceptional customer service |
With all these advantages, it’s clear why BMO credit cards are a popular choice among Canadian consumers. Whether you’re looking to earn cash back on everyday purchases, travel the world with rewards, or enjoy the benefits of AIR MILES, BMO has a credit card that can meet your needs. Take advantage of the flexibility, rewards, and exceptional customer service that BMO credit cards offer and start maximizing the benefits today.
How to Apply for BMO Credit Cards
Applying for a BMO credit card is a simple and straightforward process. To get started, visit the BMO Bank of Montreal website and explore the available credit card options. Each card page provides detailed information about its features, benefits, fees, and the application process. Take your time to review the different cards and select the one that best suits your needs and preferences.
Once you’ve chosen a BMO credit card, click on the “Apply Now” button on the card’s page. This will take you to the online application form, where you will be asked to provide personal and financial information. This information is necessary for BMO to assess your eligibility for the credit card. Make sure to fill out the form accurately and completely to avoid any delays in the application process.
After submitting your application, BMO will review it to determine if you meet their credit criteria. This review process typically takes a few business days. If your application is approved, you will receive your BMO credit card in the mail. Once you have your card, make sure to activate it by following the instructions provided.
It’s important to note that credit card applications are subject to BMO’s approval, and certain terms and conditions may apply. If you have any questions or need assistance with the application process, you can contact BMO’s customer service for support.
Summary:
- Visit the BMO Bank of Montreal website to explore credit card options.
- Select the desired BMO credit card.
- Click on “Apply Now” and fill out the online application form.
- Provide accurate and complete personal and financial information.
- Submit the application and wait for BMO’s review process.
- If approved, receive your BMO credit card in the mail.
- Activate your card following the provided instructions.
Applying for a BMO credit card is a simple and convenient way to enjoy the benefits and rewards that come with it. Start your application today and take advantage of the features offered by BMO Bank of Montreal.
Credit Card Comparison
| Credit Card | Annual Fee | Rewards | Welcome Offer |
|---|---|---|---|
| BMO CashBack World Elite Mastercard | $120 (waived in the first year) | 5% cash back on groceries, 4% on transit, 3% on gas, 2% on recurring bills, and 1% on everything else | 10% cash back for the first three months |
| BMO Eclipse Visa Infinite Card | $120 (waived in the first year) | 5 points per dollar spent on gas, groceries, restaurants, and transit, and 1 point on all other purchases | 60,000 points in the first year |
| Student BMO CashBack Mastercard | No annual fee | 3% cash back on groceries, 2% on recurring bills, and 0.5% on all other purchases | 5% cash back for the first three months |
| BMO CashBack Mastercard | No annual fee | 3% cash back on groceries, 1% on monthly bills, and 0.5% on other eligible purchases | 5% cash back for the first three months |
Table: A comparison of BMO credit cards, featuring annual fees, rewards, and welcome offers.
Conclusion
In conclusion, BMO Bank of Montreal offers a diverse range of credit cards in Canada to cater to different spending habits, preferences, and needs. Whether you’re looking for cash back, travel rewards, or AIR MILES, BMO has a credit card that can suit your requirements.
From the BMO CashBack World Elite Mastercard, which offers competitive returns on daily purchases, to the BMO Ascend World Elite Mastercard, designed for high-income earners with travel-related expenses, these cards provide attractive rewards, perks, and benefits.
Consider your spending habits, lifestyle, and financial goals when choosing the best BMO credit card for you. With various options to choose from, including no-fee cards, introductory cards, and premium cards, BMO credit cards offer flexibility and value. Apply today and start enjoying the benefits and rewards of a BMO credit card.