VaultNerd
Big Five bank

BMO credit cards & products

Canada's oldest bank. BMO cards centre on the BMO Rewards program and the eclipse family, which earns strong multipliers on everyday categories.

Products covered
14
No annual fee
4
Top rated
4.3/5
Score range
640–780

What BMO does well

  • The eclipse family earns 5x on groceries, dining, gas and transit, among the broadest everyday multipliers in Canada
  • A $50 annual lifestyle credit on several cards offsets much of the fee
  • Frequent large welcome offers

What to watch for

  • BMO Rewards points are worth roughly 0.7¢, below Aeroplan or Amex MR
  • No transfer partners, so redemption value is capped
Rewards program

BMO cards earn BMO Rewards. See what those points are actually worth with our points value calculator.

All 13 BMO credit cards

13 cards
BMO eclipse Visa Infinite Card
rewardsVisa
BMO eclipse Visa Infinite CardBMO
5x Groceries
Annual fee $1204.3
Rec. score 725+Hard approval
DetailsApply
BMO Ascend World Elite Mastercard
travelMastercard
BMO Ascend World Elite MastercardBMO
5x Eligible travel purchases
Annual fee $1504.1
Rec. score 725+Hard approval
DetailsApply
BMO VIPorter World Elite Mastercard
travelMastercard
BMO VIPorter World Elite MastercardBMO
3x Porter Airlines purchases
Annual fee $1994.0
Rec. score 725+Hard approval
DetailsApply
BMO eclipse Visa Infinite Privilege Card
travelVisa
BMO eclipse Visa Infinite Privilege CardBMO
5x Groceries
Annual fee $5993.9
Rec. score 780+Hard approval
DetailsApply
BMO CashBack World Elite Mastercard
cash-backMastercard
BMO CashBack World Elite MastercardBMO
5% Groceries
Annual fee $1203.9
Rec. score 725+Hard approval
DetailsApply
BMO Blue Rewards World Elite Mastercard
rewardsMastercard
BMO Blue Rewards World Elite MastercardBMO
10x Blue Rewards partners (incl. Blue Rewards Travel)
Annual fee $1503.9
Rec. score 725+Hard approval
DetailsApply
BMO Ascend World Elite Business Mastercard
rewardsMastercard
BMO Ascend World Elite Business MastercardBMO
4x Gas & office supplies
Annual fee $1493.9
Rec. score 725+Hard approval
DetailsApply
BMO CashBack Mastercard
cash-backMastercard
BMO CashBack MastercardBMO
3% Groceries
Annual fee None3.8
Rec. score 640+Moderate approval
DetailsApply
BMO eclipse rise Visa Card
no-feeVisa
BMO eclipse rise Visa CardBMO
2.5x Recurring bill payments
Annual fee None3.6
Rec. score 640+Moderate approval
DetailsApply
BMO VIPorter Mastercard
travelMastercard
BMO VIPorter MastercardBMO
2x Porter Airlines purchases
Annual fee $893.5
Rec. score 680+Moderate approval
DetailsApply
BMO CashBack Business Mastercard
cash-backMastercard
BMO CashBack Business MastercardBMO
1.5% Gas stations
Annual fee None3.4
Rec. score 640+Moderate approval
DetailsApply
BMO Preferred Rate Mastercard
low-interestMastercard
BMO Preferred Rate MastercardBMO
0% No rewards earned on purchases
Annual fee $293.4
Rec. score 640+Moderate approval
DetailsApply
BMO Blue Rewards Mastercard
no-feeMastercard
BMO Blue Rewards MastercardBMO
5x Blue Rewards partners (incl. Blue Rewards Travel)
Annual fee None3.3
Rec. score 640+Moderate approval
DetailsApply
add
add
add

BMO savings accounts

1 product
BMO Savings Amplifier AccountBMO

A strong promo rate from a Big Five bank with no minimum balance.

4.75%
Promo rate (? mo)
4.3
Rate after promo: 1%
Monthly fee: None
Minimum balance: None
CDIC insured: Yes

Rate verified August 3, 2026 · confirm with the institution before applying

Details

Frequently asked questions about BMO

What credit cards does BMO offer?

We track 13 BMO credit cards, 4 of which have no annual fee. Annual fees run from $29 to $599. They run on Visa and Mastercard. BMO also offers 1 banking product we cover.

What rewards program do BMO cards use?

BMO cards earn BMO Rewards. The eclipse family earns 5x on groceries, dining, gas and transit, among the broadest everyday multipliers in Canada. Worth knowing: BMO Rewards points are worth roughly 0.7¢, below Aeroplan or Amex MR.

What credit score do you need for a BMO card?

Across the BMO cards we track, our recommended scores range from 640 to 780. Entry-level and no-fee cards sit at the lower end, while premium cards typically want 780+ along with the income requirement. These are VaultNerd estimates based on card tier and stated income requirements, not official issuer cutoffs.

Compare BMO against everything else

Loyalty to one bank rarely pays. Run your actual spending through the card finder to see whether a BMO card genuinely earns you the most, or browse every card we cover.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site. This does not influence our editorial content.
Written by
VaultNerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed August 2026 · How we research

Cite this page

“BMO Products.” VaultNerd, https://www.vaultnerd.com/ca/banks/bmo, updated August 2026.

Sources
  • BMO published product pages and cardholder agreements
  • VaultNerd products database