Best BMO Credit Cards in Canada

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

Best for: First-Year Annual Fee Rebate

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The BMO eclipse Visa Infinite Card offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of 80,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,155.

First-Year Annual Fee Rebate

Annual Fee: $120 $0
Rewards rate: 1x
Welcome Bonus: Up to 80,000 points
1st Year Value: $1,155

Pros

First Year Annual Fee Rebate
Welcome bonus of 80,000 points
5x on groceries
5x at restaurants

Cons

Requires good credit

Best for: First-Year Annual Fee Rebate

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BMO Ascend™ World Elite® Mastercard®

BMO BMO Rewards

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The BMO Ascend™ World Elite® Mastercard® offers a first year annual fee rebate (regular fee $150/yr). It comes with a welcome bonus of 100,000 points. You earn 1x on groceries and 3x at restaurants. Estimated first-year value is $1,048.

First-Year Annual Fee Rebate

Annual Fee: $150 $0
Rewards rate: 1x
Welcome Bonus: Up to 100,000 points
1st Year Value: $1,048

Pros

First Year Annual Fee Rebate
Welcome bonus of 100,000 points
3x at restaurants
Estimated 1st-year value of $1,048

Cons

Requires good credit

Best for: Overall value

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BMO eclipse Visa Infinite Privilege Card

BMO BMO Rewards

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It comes with a welcome bonus of 200,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $52.

Annual Fee: $599
Rewards rate: 1x
Welcome Bonus: Up to 200,000 points
1st Year Value: $52

Pros

Welcome bonus of 200,000 points
5x on groceries
5x at restaurants

Cons

High annual fee ($599)
Requires good credit

Best for: No annual fee

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BMO eclipse rise Visa Card

BMO BMO Rewards

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The BMO eclipse rise Visa Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 25,000 points. You earn 2.5x on groceries and 2.5x at restaurants. Estimated first-year value is $469.

Annual Fee: $0
Rewards rate: 0.5x
Welcome Bonus: Up to 25,000 points
1st Year Value: $469

Pros

No annual fee
Welcome bonus of 25,000 points
2.5x on groceries
2.5x at restaurants

Cons

Fewer premium perks

Best for: First-Year Annual Fee Rebate

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BMO VIPorter World Elite® Mastercard®

BMO Porter VIPorter

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The BMO VIPorter World Elite® Mastercard® offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,734.

First-Year Annual Fee Rebate

Annual Fee: $199 $0
Rewards rate: 1x
Welcome Bonus: Up to 70,000 points
1st Year Value: $1,734

Pros

First Year Annual Fee Rebate
Welcome bonus of 70,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($199)
Requires good credit

Best for: First-Year Annual Fee Rebate

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BMO VIPorter Mastercard®

BMO Porter VIPorter

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The BMO VIPorter Mastercard® offers a first year annual fee rebate (regular fee $89/yr). It comes with a welcome bonus of 40,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $942.

First-Year Annual Fee Rebate

Annual Fee: $89 $0
Rewards rate: 0.5x
Welcome Bonus: Up to 40,000 points
1st Year Value: $942

Pros

First Year Annual Fee Rebate
Welcome bonus of 40,000 points
Estimated 1st-year value of $942

Cons

Fewer premium perks

Best for: Cash back

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BMO CashBack® World Elite® Mastercard®

BMO Cash Back

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The BMO CashBack® World Elite® Mastercard® offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of $650. You earn 5x on groceries and 1x at restaurants. Estimated first-year value is $1,242.

First-Year Annual Fee Rebate

Annual Fee: $139 $0
Rewards rate: 1x
Welcome Bonus: Up to $650
1st Year Value: $1,242

Pros

First Year Annual Fee Rebate
Welcome bonus of $650
5x on groceries
Estimated 1st-year value of $1,242

Cons

Requires good credit

Best for: No annual fee

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BMO CashBack® Mastercard®

BMO Cash Back

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The BMO CashBack® Mastercard® has no annual fee, making it risk-free to hold. It comes with a welcome bonus of $125. You earn 3x on groceries and 0.5x at restaurants. Estimated first-year value is $500.

Annual Fee: $0
Rewards rate: 0.5x
Welcome Bonus: Up to $125
1st Year Value: $500