Need help choosing a BMO Rewards card?

WorldElite_EN
Rewards_EN
RewardsBusiness_EN
Apply now
Apply now
Apply now

A perfect fit if:

You're a frequent traveler looking for first-class travel rewards and insurance.

You want to earn flexible rewards each time you shop.

If you are a business owner and want to use a credit card for your business needs and earn rewards each time you spend.

Earn rewards:

  • Earn 3 BMO Rewards points for every $1 spent on eligible travel, entertainment and dining purchases1,2
  • Earn 2 BMO Rewards points for every $1 spent everywhere else.2
  • Earn 1 BMO Rewards point for every $1 spend2
  • Earn 3 BMO Rewards points for every $1 spent on eligible gas, cell/internet bill payments and office supplies6,7
  • Earn 1.5 BMO Rewards points for every $1 spent everywhere else.7

All cards offer:

Redeem your reward points for travel, flights, hotels, merchandise, gift cards and more.

Fly on any airline with no blackout periods or seat restrictions.

Points cover ALL flight charges, including taxes.

Book travel with points, cash or a combination of both.

Other Card Benefits:

  • Priority Pass VIP Airport Lounge access.3
  • 24/7 Concierge Service.
  • Earn 2 bonus BMO Rewards points, and save up to 25% off at National Car Rental and Alamo Rent A Car locations worldwide.4
  • Dedicated BMO World Elite Customer Service Centre.
  • Earn Double BMO Rewards points, and save up to 25% off at National Car Rental and Alamo Rent A Car locations worldwide.5
  • Preferred standard interest rate of 14.99%
  • No Income requirements

Insurance and protection:

Fees and rates:

  • Annual fee: $150
  • Additional cards: $50/year
  • Annual interest rate or rates
  • Purchases and fees:   19.99%
  • Cash advances:           22.99%
  • Balance transfers:       22.99%
  • Minimum annual income required: $80,000 (Personal) or $150,000 (Household)
  • Annual fee: $0
  • Additional cards: $0/year
  • Annual interest rate or rates
  • Purchases and fees:   19.99%
  • Cash advances:           22.99%
  • Balance transfers:       22.99%
  • Annual fee: $120
  • Employee anual card: $50/year
  • Purchase interest rate or rates
  • Purchases and fees:   14.99%
  • Cash advances:           22.99%
  • Balance transfers:       22.99%

More information about the BMO World Elite MasterCard

More information about the BMO Rewards MasterCard

More information about the BMO Rewards Business MasterCard

  1. You will earn 3 BMO Rewards points for every $1 in eligible travel, dining and entertainment purchases, up to $50,000 annually (January to December statement cycle period). The 3 BMO Rewards points includes the base earn rate of 2 BMO Rewards points for every $1 in card purchases ("Base Rewards") and the bonus of 1 BMO Rewards point for every $1 in eligible travel, dining and entertainment purchases ("Bonus Rewards"). To earn Bonus Rewards, your purchases must be made at merchants that are classified in the Mastercard network as: airlines, car rental agencies, hotels/resorts, cruise lines, passenger railways, tour operators, timeshares, travel agencies and tour operators, dining: eating places, restaurants, drinking places, fast food restaurants and entertainment including motion picture theatres, theatrical producers, ticket agencies, bands, orchestras and miscellaneous entertainers, tourist attractions and exhibits, amusement parks, carnivals, circuses, aquariums, dolphinariums, zoos and seaquariums (“Applicable Merchants”). If you exceed $50,000 in combined annual purchases, you will continue to earn the Base Rewards. Some merchants may sell the same or similar products/services as the Applicable Merchants or are separate merchants who are located on the premises of the Applicable Merchants, but are classified by Mastercard in another manner (“Other Merchants”).You will only earn Base Rewards for purchases made at Other Merchants.
  2. Subject to the BMO Rewards Terms and Conditions, BMO Rewards points are calculated based on purchases of goods or services charged to the BMO World Elite Mastercard account, less any refunds or adjustments, rounded down to the nearest whole point. Cash advances (including purchases of foreign currency or travellers cheques), interest charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to the account with the card, do not qualify for points. Bank of Montreal may establish other qualifying and non-qualifying transactions from time to time.
  3. Benefits provided by Priority Pass Inc. Value of the Priority Pass membership is calculated as follows: standard membership (US$99) plus four free VIP lounge passes per membership year (worth US$108). Value and benefits of the complimentary Priority Pass membership are subject to change without notice. Use the four complimentary passes for yourself or to cover the cost of the lounge visit of your traveling companion. After using the four passes, you can continue to enjoy lounge access for a fee of only $27US per person, per visit.
  4. BMO World Elite MasterCard cardholders will earn 2 bonus BMO Rewards points at participating National Car Rental and Alamo Rent-A-Car locations. BMO Rewards points are awarded per transaction in any monthly billing period.
  5. BMO Rewards MasterCard cardholders will earn 2x BMO Rewards points at participating National Car Rental and Alamo Rent-A-Car locations. BMO Rewards points are awarded per transaction in any monthly billing period.
  6. You will earn 3 BMO Rewards points for each dollar you spend (up to an annual limit of $50,000) at gas stations, office supply stores, and on your cell phone/internet (phone) bill payments. The 3 BMO Rewards points includes the base earn rate of 1.5 BMO Rewards point for each dollar you spend and the bonus of 2 BMO Rewards points for each dollar you spend in qualifying gas, office supply stores or cell phone/internet purchases. To qualify for the bonus reward points, your purchases must be made at merchants classified in the Mastercard network as Service Stations (gas stations with or without ancillary services) and Automated Fuel Dispensers (Merchant Codes: 5541 & 5542), Stationery and Office Supply Stores (Merchant Codes: 4812, 4814 & 4816) and Cellphone/Internet billings (Merchant Codes: 5111 & 5943). Some merchants may sell similar products/services or are separate merchants who are located on the premises of these merchants but are classified in another manner, in which case this bonus earn would not apply. After you reach $50,000 in qualifying gas, office supply stores or cell phone/ internet purchases, you will earn 1.5 BMO Rewards point for each dollar you spend on these purchases and on all other eligible purchases made with the card.
  7. Subject to the BMO Rewards Terms and Conditions for Business, BMO Rewards points are calculated based on purchases of goods or services charged to the BMO Rewards Business Mastercard account, less any refunds or adjustments, rounded down to the nearest whole point. Cash advances (including purchases of foreign currency or travellers cheques), interest charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to the account with the card, do not qualify for points. Bank of Montreal may establish other qualifying and non-qualifying transactions from time to time.
cmprCardsEn