BMO CashBack World Elite Mastercard
4.5
$260
1st-yr value
$260
Welcome bonus
$120
1st year free
5% groceries4% transit3% gas2% bills
Lounge accessTravel insuranceRental car coverPurchase protection
BMO Credit Cards
Updated June 2026 · 13 cards · Independently rated by the CreditCardGuru editorial team
BMO offers 13 credit cards in Canada, spanning cash back, travel, no-fee and low-interest cards. Our top-rated BMO credit card is the BMO CashBack World Elite Mastercard (4.5/5) — best for big grocery spenders who want the highest cash back rate. Compare every BMO credit card below — welcome bonuses, annual fees, earn rates and independent ratings — to find the best BMO card for the way you spend.
Advertiser disclosure: we may be compensated for links on this page. Our ratings stay independent. Learn more.
BMO Ascend World Elite Business Mastercard
4.4
$972
1st-yr value
$972
Welcome bonus
$149
1st year free
4x gas1.5x everything else
Lounge access
BMO eclipse Visa Infinite Card
4.4
$839
1st-yr value
$839
Welcome bonus
$120
1st year free
5x dining1x everything else
BMO Blue Rewards World Elite Mastercard
4.4
$800
1st-yr value
$800
Welcome bonus
$150
1st year free
10x everything else2x groceries
Lounge accessNEXUS credit
BMO CashBack Mastercard
4.3
$125
1st-yr value
$125
Welcome bonus
No fee
Annual fee
3% groceries1% bills0.5% everything else
Purchase protection
BMO Ascend World Elite Mastercard
4.3
$700
1st-yr value
60,000 Pts
Welcome bonus
$150
Annual fee
5x travel3x dining3x bills1x everything else
Lounge accessTravel insuranceRental car cover
BMO eclipse Visa Infinite Privilege Card
4.2
$606
1st-yr value
$606
Welcome bonus
$599
Annual fee
5x groceries1x everything else
Lounge accessNEXUS credit
BMO VIPorter World Elite Mastercard
4.2
$590
1st-yr value
$590
Welcome bonus
$199
1st year free
3x travel2x groceries1x everything else
Free checked bagCompanion pass
BMO eclipse rise Visa Card
3.6
$175
1st-yr value
25,000 Pts
Welcome bonus
No fee
Annual fee
2.5x bills2.5x groceries2.5x dining0.5x everything else
Mobile insurancePurchase protection
BMO VIPorter Mastercard
3.5
$419
1st-yr value
40,000 Pts
Welcome bonus
$89
1st year free
2x travel1x gas1x groceries1x dining
Rental car coverPurchase protection
BMO CashBack Business Mastercard
3.4
$150
1st-yr value
$150
Welcome bonus
No fee
Annual fee
1.5% gas1.5% bills0.75% everything else
Purchase protection
BMO Blue Rewards Mastercard
3.3
$135
1st-yr value
20,000 Pts
Welcome bonus
No fee
Annual fee
5x travel1x groceries1x gas0.5x everything else
Purchase protection
BMO credit cards: FAQ
What is the best BMO credit card in Canada?
Our highest-rated BMO card is the BMO CashBack World Elite Mastercard (4.5/5), with a welcome offer worth around $260. The BMO Ascend World Elite Business Mastercard is a strong runner-up.
Does BMO have a no annual fee credit card?
Yes — BMO offers 4 no annual fee cards, including the BMO CashBack Mastercard.
What types of BMO credit cards are there?
BMO offers cash back, travel, no-fee and low-interest credit cards in Canada. Use the filters and reward details below to match a BMO card to your spending.
What credit score do you need for a BMO credit card?
Most BMO rewards and travel cards expect good-to-excellent credit (a score around 660+). No-fee, student and secured cards are more accessible, and a secured card can help you build credit from scratch.
Compare credit cards from other banks
Prefer to compare across every issuer? Browse all credit cards or use our rewards calculator.