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.
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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
2x groceries1x everything else
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® Preferred Rate Mastercard®
3.4
$29
1st-yr value
$29
Welcome bonus
$29
1st year free
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.
Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.
Written by
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CreditCardGuru Editorial Team
Rewards & Cards Research
Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.
- 200+ Canadian cards tracked
- Transparent rating methodology
- Updated continuously
Cite this page
“BMO Credit Cards in Canada” — CreditCardGuru, https://creditcardguru.ca/banks/bmo.