BMO Credit Cards

BMO VIPorter World Elite®* Mastercard®* – Apply Now

• Eligibility: Minimum $80,000 (individual) or $150,000 (household) annual income required.
• Annual Fee: $199 (annual fee waived for the first year* )
  • Purchase Interest: 21.99%
  • Cash Advance Interest: 23.99% (21.99% for Quebec residents)
• Welcome Bonus Offer: Up to 70,000 VIPorter points;
  • 20,000 points with $5,000 spend within the first 110 days after the account open date.
  • 20,000 points + $0 Companion Pass (pay taxes and fees only) + $1000 Qualifying Status boost with $9000 spend within the first 180 days after the account open date.
  • 30,000 points with $18,000 spend within the first 365 days after the account open date.
• Earn Rate: 
  • 3 points for every $1 spent on Porter purchases.*
  • 2  points for every $1 spent on transportation, gas, groceries, dining and hotel accommodations.*
  • 1  point for every $1 spent on all other purchases.*
• Additional Benefits: 
  • Priority check-in*, priority security screening, early boarding*, priority re-accommodation for flight delays*
  • One complimentary checked bag and carry-on bag on all Porter fare types*
  • Complimentary PorterClassic seat selection*
  • Earn $1 of Avid Traveller Qualifying Spend for every $25 in eligible credit card spend.
  • Annual round-trip Porter companion pass that gives an additional passenger flying on the same booking 100% off the base fare of any Porter flight when spending at least $50,000 annually on the card.
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
  • Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool.*
  • Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Comprehensive Insurance Coverage*:
  • Flight delay insurance
  • 21-day out-of-province or country emergency medical insurance
  • Car rental – collision / loss + damage insurance
  • Common carrier insurance
  • Baggage insurance
  • Hotel burglary insurance
  • Extended warranty and purchase protection

*Terms and conditions apply. Refer to the BMO page for up-to-date offer terms and conditions

BMO VIPorter Mastercard ®* – Apply Now

• Annual Fee: $89 (annual fee waived for first year*)
  • Purchase Interest: 21.99%
  • Cash Advance Interest: 23.99% (21.99% for Quebec residents)
• Welcome Bonus Offer: Up to 40,000 VIPorter points;
  • 10,000 points with $3,000 spend within the first 110 days after the account open date.
  • 15,000 points + 35% flight discount voucher with $6000 spend within the first 180 days after the account open date.
  • 15,000 points with $10,000 spend within the first 365 days after the account open date.
• Earn Rate: Cardholders are automatically granted VIPorter Passport Avid Traveller membership benefits, which includes the following Earn structure;
  • 2 points for every $1 spent on Porter purchases.*
  • 1  point for every $1 spent on transportation, gas, groceries, dining and hotel accommodations.*
  • 5  point for every $1 spent on all other purchases.*
• Additional Benefits: 
  • Cardholders are automatically granted VIPorter Passport membership benefits, including;
    • 6 points for every $1 spent on Porter flights
    • Dedicated airport check-in*, priority security screening, early boarding*, priority re-accommodation for flight delays*
  • Earn $1 of Avid Traveller Qualifying Spend for every $25 in eligible credit card spend.
  • Annual voucher for 35% off the Base Fare on any Porter flights for up to four people when spending at least $25,000 annually on the card.
• Insurance Coverage:
  • 8-day out-of-province or country emergency medical insurance
  • Car rental – collision / loss + damage insurance
  • Common carrier insurance
  • Flight delay insurance
  • Baggage insurance
  • Hotel burglary insurance

*Terms and conditions apply. Refer to the BMO page for up-to-date offer terms and conditions

BMO Ascend^TM World Elite®* Mastercard®* – Apply Now

• Eligibility: Minimum $80,000 (individual) or $150,000 (household) annual income required.
• Annual Fee: $150 (annual fee waived for first year* for both the primary cardholder and authorized users)
  • Purchase Interest: 21.99%
  • Cash Advance Interest: 23.99% (21.99% for Quebec residents)
• Welcome Bonus Offer: Up to 100,000 points; (Apply by Oct 31, 2026)
  • 45,000 points 110 days after the credit card account open date, when you spend $5,000 within the first 110 days after the account open date.
  • 20,000 BMO Rewards bonus points 180 days after the credit card account open date when you spend a minimum of $10,000 on net card purchases within the first 180 days of account opening.
  • 35,000 BMO Rewards bonus points 365 days after the credit card account open date when you spend a minimum of $20,000 on net card purchases within the first 12 months of account opening.
• Earn Rate: 
  • 5 points for every $1 spent on eligible travel purchases.*
  • 3 points for every $1 spent on eligible dining, entertainment purchases and recurring bill payments.*
  • 1  point for every $1 spent everywhere else.*
• Additional Benefits: 
  • Up to $200 Nexus Statement credit in your first year*
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Insurance Coverage:
  • Extended Warranty*
  • Purchase Protection*
  • BMO Ascend World Elite Total Travel and Medical Protection:
    • Collision Damage Waiver benefits on rental cars
    • 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*

*Terms and conditions apply. Refer to the BMO page for up-to-date offer terms and conditions

BMO eclipse Visa Infinite Privilege* Card – Apply Now

• Eligibility: Minimum $150,000 (individual) or $200,000 (household) annual income required.
• Annual Fee: $599
  • Purchase Interest: 21.99%
  • Cash Advance Interest: 23.99% (21.99% for Quebec residents)
• Welcome Bonus Offer: Up to 200,000 BMO Rewards points;
  • 80,000 BMO Rewards welcome bonus points 110 days after the credit card account open date, when you spend a minimum of $6,000 on net card purchases within the first 110 days of account opening.
  • 40,000 BMO Rewards bonus points 180 days after the credit card account open date when you spend a minimum of $30,000 on net card purchases within the first 180 days of account opening.
  • 80,000 BMO Rewards bonus points 365 days after the credit card account open date when you spend a minimum of $75,000 on net card purchases within the first 12 months of account opening.
• Earn Rate: 
  • 5 points for every $1 spent on groceries, dining, drugstore purchases, gas and travel.*
  • 1  point for every $1 spent everywhere else.*
  • 25% more points when you add an authorized user to your account.*

• Additional Benefits: 
  • $200 statement credit each annual period following a single purchase that is equal to or greater than $200 during the annual period.*
  • Up to $200 Nexus Statement credit in your first year*
  • Visa Airport Companion membership and 6 complimentary airport lounge visits per year*
  • Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports.*
  • Visa Infinite Dining Series and Visa Infinite Wine Country.*
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Insurance Coverage:
  • Out-of-Province/Country Emergency Medical Insurance*
  • Common Carrier Insurance*
  • Car Rental Collision/Loss Damage Insurance*
  • Trip Cancellation/Trip Interruption Insurance*
  • Flight Delay and Baggage Insurance*
  • Mobile Device insurance of up to $1000*
  • Extended Warranty*
  • Purchase Protection*

*Terms and conditions apply. Refer to the BMO page for up-to-date offer terms and conditions

BMO eclipse Visa Infinite* Card – Apply Now

• Eligibility: Minimum $60,000 (individual) or $150,000 (household) annual income required.
• Annual Fee: $120 (annual fee waived for first year)
  • Purchase Interest: 21.99%
  • Cash Advance Interest: 23.99% (21.99% for Quebec residents)
• Welcome Bonus Offer: Up to 70,000 BMO Rewards points;
  • 30,000 BMO Rewards welcome bonus points 110 days after the credit card account open date, when you spend a minimum of $4,000 on net card purchases within the first 110 days of account opening.
  • 20,000 BMO Rewards bonus points 180 days after the credit card account open date when you spend a minimum of $7,000 on net card purchases within the first 180 days of account opening.
  • 20,000 BMO Rewards bonus points 365 days after the credit card account open date when you spend a minimum of $12,000 on net card purchases within the first 12 months of account opening.
• Earn Rate: 
  • 5 points for every $1 spent on groceries, dining, gas and transit*
  • 1  point for every $1 spent everywhere else.*
  • 10% more points when you add an authorized user to your account.*
• Additional Benefits: 
  • $50 statement credit each annual period following a single purchase that is equal to or greater than $50 during the annual period.
  • $20 monthly streaming subscription credits in your first year*
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Insurance Coverage:
  • Mobile Device insurance of up to $1000*
  • Extended Warranty*
  • Purchase Protection*

*Terms and conditions apply. Refer to the BMO page for up-to-date offer terms and conditions

BMO CashBack® World Elite®* Mastercard®* – Apply Now

• Eligibility:Minimum $80,000 (individual) or $150,000 (household) annual income required.
• Annual Fee: $120 (annual fee waived for first year*)
  • Purchase Interest: 21.99%
  • Cash Advance Interest: 23.99% (21.99% for Quebec residents)
• Welcome Offer: Up to $480 Cash Back (Apply by October 31, 2026)
  • $40 Bonus Cash Back when you spend a minimum of $2,000 on net card purchases per billing cycle in the first twelve (12) billing cycles after the account open date.
  • 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee*
• Earn Rate: 
  • 5% on groceries*
  • 4% on transit including ride sharing, taxis and public transportation*
  • 3% on gas and electric vehicle charging*
  • 2% on recurring bill payments like your monthly phone bill or favourite streaming service*
  • 1%  back on all other purchases* (no limit)
• Additional Benefits: 
  • Up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool.*
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
  • Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Insurance Coverage:
  • Extended Warranty*
  • Purchase Protection*
  • BMO Cashback World Elite Total Travel and Medical Protection:
    • 8 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*

*Terms and conditions apply. Refer to the BMO page for up-to-date offer terms and conditions

BMO AIR MILES®† World Elite®* Mastercard®* – Apply Now

• Eligibility: Minimum $80,000 (individual) or $150,000 (household) annual income required.
• Annual Fee: $120 (annual fee waived for first year*)
  • Purchase Interest: 21.99%
  • Cash Advance Interest: 23.99% (21.99% for Quebec residents)
• Welcome Bonus Offer: 7,000 AIR MILES Bonus Miles
• Earn Rate: 
  • 3x Miles for every $12 spent at participating AIR MILES Reward Partners*
  • 2x Miles for every $12 spent at any eligible grocery store, wholesale clubs, membership-based retailers and alcohol retailers.*
  • 1x Miles for every $12 that you spend with your credit card everywhere else.*
• Additional Benefits: 
  • Exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Insurance Coverage:
  • Extended Warranty*
  • Purchase Protection*
  • BMO AIR MILES World Elite Total Travel and Medical Protection:
    • Collision Damage Waiver benefits on rental cars
    • 15 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*

*Terms and conditions apply. Refer to the BMO page for up-to-date offer terms and conditions