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Need help choosing a BMO Rewards card?


BMO World Elite Mastercard

A perfect fit if:

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


  • 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

$150
Annual fee

$50/year
Additional cards

19.99%
Purchases and fees

22.99%
Cash advances

Balance transfers

Minimum annual income required: $80,000 (Personal) or $150,000 (Household)


Other Card Benefits:

  • Receive complimentary membership in Mastercard Airport Experiences provided by LoungeKey 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.

Insurance and protection:

More information about the BMO World Elite MasterCard

 

 


BMO Rewards Mastercard

A perfect fit if:

 You want to earn flexible rewards each time you shop.                                                                                                              


  • Earn 1 BMO Rewards point for every $1 spend2

 

                                                                                                        


$0
Annual fee

$0/year
Additional cards

19.99%
Purchases and fees

22.99%
Cash advances

Balance transfers

                                                                                                        


Other Card Benefits:

  • Earn Double BMO Rewards points, and save up to 25% off at National Car Rental and Alamo Rent A Car locations worldwide.5

 

 

Insurance and protection:

More information about the BMO Rewards MasterCard

 

 


BMO Rewards® Business Mastercard®*

A perfect fit if:

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 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

$120
Annual fee

$50/year
Employee annual card

14.99%
Purchases and fees

22.99%
Cash advances

Balance transfers

                                                                                                        


Other Card Benefits:

  • Preferred standard interest rate of 14.99%
  • No Income requirements

 

 

 

Insurance and protection:

More information about the BMO Rewards Business MasterCard

 

 


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.


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. Mastercard Airport Experiences provided by LoungeKey (“MCAE”) is a worldwide program run by LoungeKey Ltd. This benefit will be available to all cardholders of a BMO World Elite Mastercard (“eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at airport.mastercard.com or on the MCAE mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating MCAE lounge must present their valid, eligible BMO World Elite Mastercard or their mobile access code (this may be obtained by the eligible cardholder by registering an account at airport.mastercard.com or through the MCAE mobile application) to the lounge receptionist and reference “Mastercard Airport Experiences provided by LoungeKey.” Value and benefits of the MCAE complimentary 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 travelling companion. After using four passes, you can continue to enjoy lounge access for a fee of just US$27 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.