Compare Bank of Montreal Credit Cards

If you’re in the market for a new rewards credit card or travel rewards credit card, the Bank of Montreal (BMO) will have something to suit your needs. Fill out the spending profile, then find, compare and apply for the best BMO credit card for you.

Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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What type of rewards do you want to earn for every dollar you spend? Is cash back important to you? Would you prefer gift cards or store credit? What about free flights and hotels? Think about what's most important to you and what would help your budget the most, then look for the best cards to offer that reward. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. There are many different credit card reward programs available. If you have a preferred reward program, such as Aeroplan Miles, select your choice using the dropdown. Note that each card only uses one reward program. Enter the dollar amount you spend each month on your credit card. Edit your monthly spend by each spending category in the 'monthly spending by category' tab below.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you carry a balance on your credit card each month? This isn't how much you spend on your card, but how much you typically carry over into a new month. If so, write that amount here, so we can calculate how much interest you'll be charged.

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There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Hit enter or click outside the box to refresh your results
Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. If you are currently carrying a balance on another credit card, you may want to take advantage of a balance transfer promotional offer with one of the credit cards listed below. Enter the amount you would transfer to the new card, to find out what the promotional interest rate and period are.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks.
Monthly spending by category
Monthly spending by category

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Credit card Purchase Interest Rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit
19.99% $120 $ Get details
19.99% $150 $617 Get details
19.99% $0 $108 Get details
19.99% $0 $90 Get details
19.99% $0 $108 Get details
19.99% $120 $432 Get details
19.99% $35 $145 Get details
19.99% $0 $180 Get details
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BMO Credit Card overview

BMO offers 11 credit cards in total, one of which is sure to meet your needs.

If you love to travel, BMO has partnered with AIR MILES to offer 3 travel rewards credit cards that can help you save on your trips: the BMO SPC AIR MILES MasterCard (no annual fee), BMO AIR MILES MasterCard (no annual fee) and BMO AIR MILES World MasterCard ($99 annual fee). Each tier comes with more free miles in the sign-up bonus and helps you earn more AIR MILES with each purchase.

If you’d rather earn cash back with each purchase you make, BMO also offers 3 cash back credit cards: the BMO SPC CashBack MasterCard (no annual fee), BMO CashBack MasterCard (no annual fee) and BMO CashBack World MasterCard ($79 annual fee). The World MasterCard has an individual annual income requirement of $60,000 and gives you 1.25% cash back with every purchase you make.

BMO also offers 3 other credit cards that you may want to consider, including the BMO Preferred Rate MasterCard, which is a low interest credit card (17.5%) that also has no annual fee. You could also look at the BMO US Dollar MasterCard or Prepaid Travel MasterCard, if you cross over the border often enough.


BMO Rewards

The final 2 credit cards BMO offers are tied to their branded rewards program. The BMO Rewards MasterCard ($35 annual fee) and BMO World Elite MasterCard ($150 annual fee) let you earn BMO Rewards points, which can be redeemed for travel or merchandise, or can even be put towards a BMO investment account. The BMO World Elite MasterCard comes with a $300 travel credit as part of its sign-up bonus, and gives you $2 in BMO Rewards for every $100 spent on your card.


More on BMO

The Bank of Montreal (BMO) was the first official bank in Canada, founded in 1817 in Montreal, Quebec. Today, it is the fourth largest bank in Canada and among the ten largest banks in North America. BMO specializes in personal and commercial banking, investment banking and wealth management. The bank has more than 900 branches in Canada, and operations in Chicago and elsewhere in the U.S. BMO employees more than 47,000 employees worldwide and serves more than 12 million clients across the globe.


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