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Earn on groceries, takeout, food delivery, rideshare, gas and transit.

Get rewarded when it comes to building your financial future.

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Get up to 25,000 bonus points in your first year!

Get up to 60,000 bonus points in your first year!

Welcome offer: Get 20,000 points when you spend $1,500 in the first 3 months - that's a $133 value!

Welcome offer: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in your first year – that’s a $570 value in your first year.¹

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Plus, earn up to 5,000 bonus points every year.

• 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points - that's just 1,000 points per month!
• 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months.

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Earn 5x the BMO Rewards points on groceries, takeout, food delivery, rideshare, gas and transit.  Then, get 1 BMO Reward for every $1 spent on everything else!

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Earn 10% more points when you add an authorized user to your account.

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Earn 5 points for every $2 spent on recurring bills, groceries, dining, and takeout.    Get 1 point for every $2 spent on everything else!

Pay with Points by browsing your recent transactions and redeem your points for as little as $1.

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Get a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee. 

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$0

20.99%

23.99%

$120

20.99%

23.99%

Annual fee

For purchases

For cash advances

Annual fee

For purchases

For cash advances

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(21.99% for Quebec residents)

(21.99% for Quebec residents)

Get up to seven cents off per litre on Shell fuel®, only for BMO cardholders.

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Give your financial health a boost with online and mobile banking tools. Enjoy more control over your credit card and a better understanding about how you're using it.

Safety and security

Financial Insights

Can't find your card? No worries, you can lock it, unlock it or report it lost or stolen at any time.

Stay on top of your spending with a personalized look at your money. 

Credit Score

Dispute a transaction and PIN reset

Log in to your mobile or online banking for free, 24/7 access to CreditView. 

Resolve an issue with your statement or reset your PIN directly  from your mobile app. 

See full list of Terms and Conditions

Important Information on Rates and Fees

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