Featured BMO Credit Cards

®

BMO eclipse Visa Infinite* Card

BMO CashBackMastercard 

®*

Earn on groceries, takeout, food delivery, rideshare, gas and transit.

Enjoy the most cash back on groceries in Canada without paying an annual fee.

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Welcome offer:

Welcome offer:

Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in your first year – that’s a $570 value in achieved by your first anniversary.

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Get up to 5% cash back in your first 3 months.

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Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.

Earn 5x the BMO Rewards points on groceries, takeout, food delivery, rideshare, gas and transit.  Then, get 1 BMO Reward for every $1 spent on everything else!

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Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!

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Earn 10% more points when you add an authorized user to your account.

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No annual fee credit card.

Pay with Points by browsing your recent transactions and redeem your points for as little as $1.

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$120

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$0

20.99%

22.99%

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20.99%

23.99%

Annual fee

Interest rate

Cash advances

Cash advances

Annual fee

Interest rate

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(21.99% for Quebec residents)

(21.99% for Quebec residents)

Minimum $60,000 (individual) or $100,000 (household) annual income required 

OR

Minimum $15,000 declared current annual spend.

Fill up on savings 

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Get up to seven cents off per litre on Shell fuel®, only for BMO cardholders.

Ready to Apply?

Ready to Apply?

for the
BMO eclipse Visa Infinite* Card

for the
BMO CashBack   Mastercard

®

®*

We'll respond in under 60 seconds.

We'll respond in under 60 seconds.

How to Pay with Points

Cashing in on your cash back

Treat yourself with BMO Rewards and Pay with Points. Perfect for life’s little pleasures like your morning flat white, tickets to a matinee or a bouquet of flowers just because.

Your cash back rewards never expire as long as your account is open and in good standing.

No waiting! Redeem you cash back any time you want for as little as $1.

Set up an automatic deposit whenever you reach a certain amount, starting at $25.

1. Sign into bmorewards.com and select the Pay with Points tab.

Enjoy the flexibility to put your cash back where you want:

  • Statement credit
  • BMO chequing or savings account

2. Browse your recent transactions and select which eligible purchase you want to redeem points for.

  • InvestorLine

3. Choose how many points you would like to redeem toward your purchase - you can redeem your points for as little as $1!

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Digital features and security at your fingertips

Give your financial health a boost with online and mobile banking tools. Enjoy more control over your credit card and a better understanding about how you're using it.

Stay on top of your spending with a personalized look at your money. 

Can't find your card? No worries, you can lock it, unlock it or report it lost or stolen at any time.

Log in to your mobile or online banking for free, 24/7 access to CreditView. 

Resolve an issue with your statement or reset your PIN directly  from your mobile app.