Best BMO Credit Cards in Canada - September 2026

BMO

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BMO eclipse Visa Infinite* Card

BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $589
Welcome offerAfter $12,000 in 12 months: Up to 70,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Restaurants: 5x
Gas & EV: 5x
Groceries: 5x
Transit: 5x

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BMO Ascend™ World Elite®* Mastercard®*

BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$771Annual fee rebated$150Total$921Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $921
Welcome offerAfter $20,000 in 12 months: Up to 115,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $150/yr
Min. annual income: $80,000+

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Rewards: Rate
Travel: 5x
Restaurants: 3x
Streaming: 3x
Bills & recurring payments: 3x
Entertainment: 3x
Telecom: 3x

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BMO eclipse Visa Infinite Privilege* Card

BMO BMO Rewards

Annual fee: $599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,340Total$1,340Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,340
Welcome offerAfter $75,000 in 12 months: Up to 200,000 points; Ends Oct 31, 2026

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $599/yr
Min. annual income: $150,000+

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Rewards: Rate
Groceries: 5x
Gas & EV: 5x
Pharmacy: 5x
Restaurants: 5x
Travel: 5x

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BMO eclipse rise Visa* Card

BMO BMO Rewards

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$168Total$168Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $168
Welcome offerAfter $1,500 in 3 months: Up to 25,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $0
Min. annual income: —

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Rewards: Rate
Bills & recurring payments: 2.5x
Groceries: 2.5x
Restaurants: 2.5x

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BMO VIPorter World Elite®* Mastercard®*

BMO Porter VIPorter First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $199
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,249
Welcome offer+ one round-trip companion passAfter $18,000 in 12 months: Up to 70,000 points; Ends Oct 31, 2026

Features
Issuer: BMO
Network
Loyalty Program: Porter VIPorter

Fees and terms
Annual Fee: $199/yr
Min. annual income: $80,000+

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Rewards: Rate
Porter flights: 3x
Groceries: 2x
Convenience: 2x
Transit: 2x
Gas & EV: 2x
Restaurants: 2x

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BMO VIPorter Mastercard®*

BMO Porter VIPorter First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $89
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Annual fee rebated$89Total$689Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $689
Welcome offerAfter $10,000 in 12 months: Up to 40,000 points; Ends Oct 31, 2026

Features
Issuer: BMO
Network
Loyalty Program: Porter VIPorter

Fees and terms
Annual Fee: $89/yr
Min. annual income: —

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Rewards: Rate
Porter flights: 2x
Groceries: 1x
Transit: 1x
Restaurants: 1x
Gas & EV: 1x
Convenience: 1x

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BMO CashBack® World Elite®* Mastercard®*

BMO Cash BackFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$650Annual fee rebated$139Total$789Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $789
Welcome offerGet 40 points after $2,000 in purchases per month for 12 months: Up to $650 in value, first-year annual fee waiver included

Features
Issuer: BMO
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $139/yr
Min. annual income: $80,000+

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Rewards: Rate
Groceries: 5x
Transit: 4x
Gas & EV: 3x
Streaming: 2x
Bills & recurring payments: 2x

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BMO CashBack® Mastercard®*

BMO Cash Back

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$125Total$125Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $125
Welcome offerAfter $1,000 in 3 months: Up to $125 cash back; Ends Oct 31, 2026

Features
Issuer: BMO
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: —

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Rewards: Rate
Groceries: 3x
Bills & recurring payments: 1x

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BMO Preferred Rate Mastercard®*

BMO First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $29
Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $29
Welcome offer$29 annual fee rebated: First Year Annual Fee Rebate

Features
Issuer: BMO
Network
Loyalty Program: —

Fees and terms
Annual Fee: $29/yr
Min. annual income: —

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