Canada · October 2026
BMO credit cards
19 cards, ranked by estimated net annual rewards value where the issuer states earn rates.
Earn 5% cash back on groceries, 4% on transit, 3% on gas and EV charging, 2% on recurring bills, and 1% on everything else, with no cap.
Earn: base 1% · groceries 5% · gas 3%
- Annual fee
- $139 (Waived in first year; rebated with BMO Premium Chequing)
- Est. net value / yr
- $545
- Welcome offer
- Up to $650 value: $40 cash back monthly when you spend $2,000 in first year, annual fee rebate first year, roadside assistance; 0% balance transfer for 12 months with 2% fee
- Purchase rate
- 21.99%
- Balance transfers
- 0% introductory rate on balance transfers for 12 months with 2% transfer fee
- Foreign transaction fee
- 2.5%
Earn 5 BMO Rewards points per $1 on groceries, gas and transit, dining and takeout/delivery, and 1 point per $1 on everything else.
Earn: base 1 pts · groceries 5 pts · gas 5 pts · dining 5 pts
- Annual fee
- $120 (Annual fee waived in first year)
- Est. net value / yr
- $464
- Welcome offer
- Up to $1,150 value including up to 70,000 bonus points, $20 monthly streaming credits first year, $50 anniversary lifestyle credit, no annual fee first year
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 3% cash back on groceries, 1% on recurring bill payments, and 0.5% on all other purchases.
Earn: base 0.5% · groceries 3%
- Annual fee
- $0
- Est. net value / yr
- $360
- Welcome offer
- Up to 5% cash back in first 3 months and 0.99% balance transfer rate for 9 months with 2% fee
- Purchase rate
- 21.99%
- Balance transfers
- 0.99% introductory rate on balance transfers for 9 months with 2% transfer fee
- Foreign transaction fee
- 2.5%
Earn 3% cash back on groceries, 1% on recurring payments, and 0.5% on all other purchases.
Earn: base 0.5% · groceries 3%
- Annual fee
- $0
- Est. net value / yr
- $360
- Welcome offer
- 5% cash back in first 3 months
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn VIPorter points: 3 per $1 on Porter purchases, 2 per $1 on gas/transport, groceries, dining and hotels, and 1 per $1 elsewhere; annual round-trip companion pass.
Earn: base 1 pts · groceries 2 pts · gas 2 pts · dining 2 pts · travel 3 pts
- Annual fee
- $199 (Waived in first year)
- Est. net value / yr
- $317
- Welcome offer
- Up to $2,400 value including 70,000 VIPorter points, round-trip companion pass and annual fee waived first year
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 5x BMO Rewards points for every $2 spent (2.5 points per $1) on recurring bills, groceries, dining and takeout, plus up to 5,000 bonus points each year.
Earn: base 0.5 pts · groceries 2.5 pts · dining 2.5 pts · everyday 0.5 pts
- Annual fee
- $0
- Est. net value / yr
- $260
- Purchase rate
- 21.99%
- Balance transfers
- 0.99% introductory rate on balance transfers for 9 months with 2% transfer fee (from BMO data file)
- Foreign transaction fee
- 2.5%
Earn 1.5% cash back on gas, office supplies and cellphone/internet bills, and 0.75% on all other purchases.
Earn: base 0.75% · gas 1.5%
- Annual fee
- $0
- Est. net value / yr
- $243
- Welcome offer
- 10% cash back on gas, office supplies and cellphone/internet bills for 3 months; 0.00% balance transfer for 9 months with 3% fee
- Purchase rate
- 20.99%
- Balance transfers
- 0.00% introductory rate on balance transfers for 9 months with 3% transfer fee
- Foreign transaction fee
- Not stated
Earn 2 BMO Rewards points per $1 on gas, office supplies and cellphone/internet bills, and 1 point per $1 on everything else.
Earn: base 1 pts · gas 2 pts
- Annual fee
- $0
- Est. net value / yr
- $216
- Welcome offer
- 25,000 BMO Rewards points when you spend $3,000 in first 110 days plus 0% balance transfer for 9 months with 3% fee
- Purchase rate
- 18.99%
- Balance transfers
- 0.00% introductory rate on balance transfers for 9 months with 3% transfer fee
- Foreign transaction fee
- Not stated
Earn Blue Rewards points: 10 per $1 at partners and via Blue Rewards Travel, 2 per $1 on gas and EV charging, and 1 per $1 base.
Earn: base 1 pts · gas 2 pts
- Annual fee
- $0
- Est. net value / yr
- $216
- Welcome offer
- 30,000 bonus points when you spend $3,000 in first 110 days
- Purchase rate
- 20.99%
- Foreign transaction fee
- Not stated
Earn 5 BMO Rewards points per $1 on travel, 3 on entertainment, dining and recurring bills, and 1 point per $1 on everything else.
Earn: base 1 pts · dining 3 pts · travel 5 pts
- Annual fee
- $150 (Annual fee waived in first year; rebated with BMO Premium Chequing)
- Est. net value / yr
- $194
- Welcome offer
- Up to $1,900 value including up to 115,000 BMO Rewards bonus points, up to $200 NEXUS credit, Mastercard Travel Pass with 4 lounge passes, no annual fee first year
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn VIPorter points: 2 per $1 on Porter purchases, 1 per $1 on gas/transport, groceries, dining and hotels, and 0.5 per $1 elsewhere; 35% off flight voucher yearly.
Earn: base 0.5 pts · groceries 1 pts · gas 1 pts · dining 1 pts · travel 2 pts
- Annual fee
- $89 (Waived in first year; fee per BMO data file)
- Est. net value / yr
- $187
- Welcome offer
- Up to $1,800 value including 40,000 VIPorter points, 35% off flight voucher and annual fees waived in first year
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn VIPorter points: 2 per $1 on Porter purchases, 1 per $1 on gas/transport, groceries, dining and hotels, and 0.5 per $1 elsewhere.
Earn: base 0.5 pts · groceries 1 pts · gas 1 pts · dining 1 pts · travel 2 pts
- Annual fee
- $89 (Waived in first year; fee per BMO data file)
- Est. net value / yr
- $187
- Welcome offer
- Up to $1,800 value including 40,000 VIPorter points and a 35% off flight voucher
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 4 BMO Rewards points per $1 on office supplies, cellphone/internet bills and gas, and 1.5 points per $1 on everything else.
Earn: base 1.5 pts · gas 4 pts
- Annual fee
- $175 (Waived first year for primary card and two employee cards)
- Est. net value / yr
- $165
- Welcome offer
- Up to 150,000 bonus BMO Rewards points in first year (up to $1,000 value); total offer up to $2,175 value
- Purchase rate
- 18.99%
- Foreign transaction fee
- Not stated
Earn Blue Rewards points (formerly AIR MILES): 5 points per $1 at Blue Rewards partners, 1 point per $1 on groceries, gas, EV charging, wholesale and alcohol, and 0.5 per $1 on everything else.
Earn: base 0.5 pts · groceries 1 pts · gas 1 pts
- Annual fee
- $0
- Est. net value / yr
- $136
- Welcome offer
- 20,000 bonus points and 0.99% balance transfer rate for 9 months with 2% fee
- Purchase rate
- 21.99%
- Balance transfers
- 0.99% introductory rate on balance transfers for 9 months with 2% transfer fee
- Foreign transaction fee
- 2.5%
Earn Blue Rewards points: 10 per $1 at Blue Rewards partners, 2 per $1 on groceries, gas, EV charging, wholesale and alcohol, and 1 per $1 on everything else.
Earn: base 1 pts · groceries 2 pts · gas 2 pts
- Annual fee
- $150 (Waived in first year; rebated with BMO Premium Chequing)
- Est. net value / yr
- $122
- Welcome offer
- Up to $1,600 value including annual fee waived first year; 0% balance transfer rate for 12 months with 2% fee
- Purchase rate
- 21.99%
- Balance transfers
- 0% introductory rate on balance transfers for 12 months with 2% transfer fee
- Foreign transaction fee
- 2.5%
Earn Blue Rewards points: 12.5 per $1 at partners and via Blue Rewards Travel, 2.5 per $1 on gas and EV charging, and 1.25 per $1 base.
Earn: base 1.25 pts · gas 2.5 pts
- Annual fee
- $175 (Waived in first year for primary cardholder)
- Est. net value / yr
- $95
- Welcome offer
- Up to $1,960 value including up to 150,000 bonus points in first year
- Purchase rate
- 20.99%
- Foreign transaction fee
- Not stated
Earn 5 BMO Rewards points per $1 on groceries, dining, drugstore, gas and travel, and 1 point per $1 on everything else; 25% more points with an authorized user.
Earn: base 1 pts · groceries 5 pts · gas 5 pts · dining 5 pts · travel 5 pts
- Annual fee
- $599
- Est. net value / yr
- $81
- Welcome offer
- Up to $2,300 value including up to 200,000 bonus points, up to $200 NEXUS credit, $200 anniversary lifestyle credit, Visa Airport Companion with 6 lounge passes
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Low-rate card with 13.99% purchase interest and 15.99% on cash advances; no rewards.
- Annual fee
- $29 (Rebated with BMO Performance chequing; first year waived with offer)
- Welcome offer
- 0% balance transfers for 18 months (3% fee) and first-year annual fee waived
- Purchase rate
- 13.99%
- Balance transfers
- 0% introductory rate on balance transfers for 18 months with 3% transfer fee; first-year $29 fee waived
- Foreign transaction fee
- 2.5%
- #19
BMO U.S. Dollar Mastercard BMO
Charged in U.S. dollars so U.S. dollar purchases avoid exchange-rate conversion; no rewards.
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.