Best BMO Credit Cards in Canada | Sparks and Bloom

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Best for: 1st Yr Fee Rebate

BMO VIPorter World Elite Mastercard

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BMO VIPorter World Elite Mastercard

BMO Mastercard Porter VIPorter

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5.0Ratesopedia rating

The BMO VIPorter World Elite Mastercard offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,644.

1st Yr Fee Rebate

Annual Fee: $199 $0
Rewards rate: 1x
Welcome Bonus: 70,000 points
1st Year Value: $1,644

Pros

First Year Annual Fee Rebate
Welcome bonus of 70,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($199)
Requires good credit

Best for: Overall value

BMO eclipse Visa Infinite Privilege Card

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BMO eclipse Visa Infinite Privilege Card

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4.8Ratesopedia rating

It comes with a welcome bonus of 200,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,284.

Best of Month

Annual Fee: $599
Rewards rate: 1x
Welcome Bonus: 200,000 points
1st Year Value: $1,284

Pros

Welcome bonus of 200,000 points
5x on groceries
5x at restaurants
Estimated 1st-year value of $1,284

Cons

High annual fee ($599)
Requires good credit

Best for: 1st Yr Fee Rebate

BMO CashBack Mastercard World Eliteᴹᴰ

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BMO CashBack Mastercard World Eliteᴹᴰ

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4.8Ratesopedia rating

The BMO CashBack Mastercard World Eliteᴹᴰ offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of $650. You earn 5x on groceries and 1x at restaurants. Estimated first-year value is $1,276.

Best of Month1st Yr Fee Rebate

Annual Fee: $120 $0
Rewards rate: 1x
Welcome Bonus: $650
1st Year Value: $1,276

Pros

First Year Annual Fee Rebate
Welcome bonus of $650
5x on groceries
Estimated 1st-year value of $1,276

Cons

Requires good credit

Best for: 1st Yr Fee Rebate

BMO Ascend World Elite Mastercard

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BMO Ascend World Elite Mastercard

BMO Mastercard BMO Rewards

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5.0Ratesopedia rating

The BMO Ascend World Elite Mastercard offers a first year annual fee rebate (regular fee $150/yr). It comes with a welcome bonus of 115,000 points. You earn 1x on groceries and 3x at restaurants. Estimated first-year value is $1,195.

Best of Month1st Yr Fee Rebate

Annual Fee: $150 $0
Rewards rate: 1x
Welcome Bonus: 115,000 points
1st Year Value: $1,195

Pros

First Year Annual Fee Rebate
Welcome bonus of 115,000 points
3x at restaurants
Estimated 1st-year value of $1,195

Cons

Requires good credit

Best for: 1st Yr Fee Rebate

BMO Ascend World EliteBusiness Mastercard

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BMO Ascend World EliteBusiness Mastercard

BMO Mastercard BMO Rewards

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5.0Ratesopedia rating

The BMO Ascend World EliteBusiness Mastercard offers a first year annual fee rebate (regular fee $149/yr). It comes with a welcome bonus of 100,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $1,063.

Best of Month1st Yr Fee Rebate

Annual Fee: $149 $0
Rewards rate: 1.5x
Welcome Bonus: 100,000 points
1st Year Value: $1,063

Pros

First Year Annual Fee Rebate
Welcome bonus of 100,000 points
Estimated 1st-year value of $1,063

Cons

Fewer premium perks

Best for: 1st Yr Fee Rebate

BMO eclipse Visa Infinite Card

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FeaturedBMO eclipse Visa Infinite Card

BMO Visa BMO Rewards

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4.6Ratesopedia rating

The BMO eclipse Visa Infinite Card offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of 70,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $951.

1st Yr Fee Rebate

Annual Fee: $120 $0
Rewards rate: 1x
Welcome Bonus: 70,000 points
1st Year Value: $951

Pros

First Year Annual Fee Rebate
Welcome bonus of 70,000 points
5x on groceries
5x at restaurants

Cons

Requires good credit

Best for: 1st Yr Fee Rebate

BMO VIPorter Mastercard

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BMO VIPorter Mastercard

BMO Mastercard Porter VIPorter

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4.3Ratesopedia rating

The BMO VIPorter Mastercard offers a first year annual fee rebate (regular fee $89/yr). It comes with a welcome bonus of 40,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $897.

1st Yr Fee Rebate

Annual Fee: $89 $0
Rewards rate: 0.5x
Welcome Bonus: 40,000 points
1st Year Value: $897

Pros

First Year Annual Fee Rebate
Welcome bonus of 40,000 points
Estimated 1st-year value of $897

Cons

Fewer premium perks

Best for: No annual fee

BMO CashBack Business Mastercard

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BMO CashBack Business Mastercard

BMO MastercardCash Back

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3.8Ratesopedia rating

The BMO CashBack Business Mastercard has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $125. You earn 0.75x on groceries and 0.75x at restaurants. Estimated first-year value is $427.

Best of Month

Annual Fee: $0
Rewards rate: 0.75x
Welcome Bonus: $125
1st Year Value: $427

Pros

No annual fee
Welcome bonus of $125
Estimated 1st-year value of $427

Cons

Modest reward rates

Best for: No annual fee

BMO eclipse rise Visa Card

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BMO eclipse rise Visa Card

BMO Visa BMO Rewards

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3.8Ratesopedia rating

The BMO eclipse rise Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 25,000 points. You earn 2.5x on groceries and 2.5x at restaurants. Estimated first-year value is $381.

Best of Month

Annual Fee: $0
Rewards rate: 0.5x
Welcome Bonus: 25,000 points
1st Year Value: $381

Pros

No annual fee
Welcome bonus of 25,000 points
2.5x on groceries
2.5x at restaurants

Cons

Fewer premium perks

Best for: Students

BMO CashBack Mastercard for students

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BMO CashBack Mastercard for students

BMO MastercardCash Back

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3.8Ratesopedia rating

The BMO CashBack Mastercard for students has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $100. You earn 3x on groceries and 0.5x at restaurants. Estimated first-year value is $350.

Best of Month

Annual Fee: $0
Rewards rate: 0.5x
Welcome Bonus: $100
1st Year Value: $350

Pros

No annual fee
Welcome bonus of $100
3x on groceries
Estimated 1st-year value of $350

Cons

Fewer premium perks

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Complete Guide

Best BMO Credit Cards in Canada

Compare all BMO credit cards. Ascend, CashBack, Eclipse Visa Infinite, and VIPorter cards reviewed.

BMO Credit Card Lineup

BMO offers 14 credit cards including the premium Eclipse Visa Infinite Privilege, the popular CashBack series, and the Air Miles-earning Ascend cards. BMO also partners with Porter Airlines for their VIPorter cards.

Travel & Rewards

The BMO Eclipse Visa Infinite Privilege is a top-tier card with 5x points on dining and travel. BMO Ascend cards earn Air Miles on everyday spending. The BMO VIPorter Mastercard is unique in earning Porter Airlines perks.

Cash Back

BMO’s CashBack lineup includes no-fee and premium options. The BMO CashBack Mastercard is one of Canada’s most popular no-fee cash back cards.

14

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1What is the best BMO credit card?

The BMO Eclipse Visa Infinite Privilege is the top pick for travellers with 5x points on dining and travel. For no-fee cash back, the BMO CashBack Mastercard is excellent.

2Does BMO have Air Miles cards?

Yes. The BMO Ascend World Elite Mastercard earns 3x Air Miles on groceries and 2x on gas, transit, and select streaming services.

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