https://cardnorth.ca/credit-cards/bmo/Recent content in BMO Credit Cards: Fees, Rates and Rewards of Each Card on CardNorthHugo -- gohugo.ioen-caThu, 12 Nov 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-ascend-world-elite-mastercard/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-ascend-world-elite-mastercard/Limits on the bonus rates The 5-point travel rate applies to up to $15,000 of travel purchases a year per BMO Rewards collector account. The 3-point rate applies to up to $10,000 a year for each spend category: dining, entertainment and recurring bill payments. Both limits reset January 1. Above a limit, purchases earn the base 1 point per $1. The bonus categories follow how the merchant is classified in the Mastercard network.https://cardnorth.ca/credit-cards/bmo/bmo-blue-rewards-mastercard/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-blue-rewards-mastercard/From AIR MILES to Blue Rewards Blue Rewards replaced AIR MILES on June 2, 2026, and the card now earns Blue Points instead of Miles. Partner and Blue Rewards Travel earn The 5-point rate applies at participating Blue Rewards Partners, and BMO can add or remove partners without notice. Bookings on Blue Rewards Travel, powered by Expedia, count toward this rate. Bonus points stop once partner purchases reach $15,000 net in a calendar year, and after that those purchases earn the base 0.https://cardnorth.ca/credit-cards/bmo/bmo-blue-rewards-world-elite-mastercard/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-blue-rewards-world-elite-mastercard/Partner and Blue Rewards Travel earn The 10-point rate applies at participating Blue Rewards Partners, and bookings on Blue Rewards Travel, powered by Expedia, count as partner purchases. Bonus points stop once partner purchases reach $25,000 net in a calendar year, and after that those purchases earn the base 1 point per $1. Partner points are credited within 90 days of the end of the statement period. Limits on the bonus categories The 2-point rate applies to purchases made in Canada.https://cardnorth.ca/credit-cards/bmo/bmo-us-dollar-mastercard/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-us-dollar-mastercard/Billed and paid in U.S. dollars Your purchases are charged in U.S. dollars, and the monthly statement is paid in U.S. funds. The card’s fees and charges are also in U.S. dollars. You can pay by transferring funds from a BMO U.S. dollar bank account, by pre-authorized debit from any U.S. dollar savings or chequing account in Canada, or by mail. Purchases in other currencies A transaction in a foreign currency is converted to U.https://cardnorth.ca/credit-cards/bmo/bmo-viporter-mastercard/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-viporter-mastercard/Limits on the bonus rates The bonus rates apply to the first $10,000 a year at Porter, $3,000 on gas and transportation, $5,000 on dining and groceries and $3,000 on hotels. The limits reset on January 1. Above a limit, those purchases earn the base 0.5 points per $1. Porter purchases count only when made directly with Porter: on flyporter.com, through its call centre, at its airport counter or on board.https://cardnorth.ca/credit-cards/bmo/bmo-viporter-world-elite-mastercard/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-viporter-world-elite-mastercard/Limits on the bonus rates Each bonus category’s yearly limit resets January 1. Above a limit, those purchases earn the base 1 point per $1. The Porter rate counts purchases made directly with Porter, on flyporter.com, through its call centre, at an airport counter or on board, including flights, baggage, taxes and fees. Gas and transportation means merchants Mastercard classifies that way, such as service stations, bus lines and car rentals.https://cardnorth.ca/credit-cards/bmo/bmo-cashback-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-cashback-mastercard/How cash back is redeemed You can redeem your cash back any time you want, from as little as $1. It goes into a BMO chequing or savings account, or onto the card as a statement credit. You can also set up an automatic deposit whenever your cash back reaches an amount you choose, starting at $25. It doesn’t expire while the account stays open and in good standing. Limits on the higher rates The 3% on groceries applies to up to $500 spent per statement period, and the 1% on recurring bill payments applies to up to $500 spent per statement period.https://cardnorth.ca/credit-cards/bmo/bmo-cashback-world-elite-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-cashback-world-elite-mastercard/Limits on the bonus rates The bonus rates count only purchases at merchant locations in Canada. Each has its own limit per statement cycle: 5% on the first $500 of groceries, 4% on the first $300 of transit, 3% on the first $300 of gas and EV charging together, and 2% on the first $500 of recurring bills. Past a limit, that category earns 1%. Recurring bills are payments billed automatically by the merchant on a monthly or regular basis.https://cardnorth.ca/credit-cards/bmo/bmo-eclipse-rise-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-eclipse-rise-visa/What earns the bonus rate Groceries and dining earn 5 points per $2 at merchant locations in Canada that Visa classifies as grocery or dining. Recurring bill payments are payments billed automatically by the merchant to the card on a monthly or regular basis. You don’t earn the bonus on recurring bill payments that are also eligible grocery or dining purchases. The 5 points per $2 applies to the first $5,000 of purchases in each category from January 1 to December 31.https://cardnorth.ca/credit-cards/bmo/bmo-eclipse-visa-infinite-privilege/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-eclipse-visa-infinite-privilege/Where the bonus rate applies The higher rate applies at merchant locations in Canada that Visa classifies as air fare, hotel, car rental, grocery, dining, gas or health and wellness. Health and wellness covers massage parlours, health and beauty spas, golf courses, club memberships and recreation services. Each category has its own annual limit, counted from January 1 to December 31. Past its limit, a category earns 1 point per $1.https://cardnorth.ca/credit-cards/bmo/bmo-eclipse-visa-infinite/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-eclipse-visa-infinite/Where the bonus rate applies The 5 point rate applies only at merchant locations in Canada that Visa classifies as gas, grocery, dining or transit. Each category’s limit counts the combined spending of all cardholders and runs from January 1st to December 31st; after it, that category earns 1 point per $1. Adding an authorized user Once you add an authorized user, BMO adds a 10% bonus to the card’s earn rate, on purchases by both the primary cardholder and authorized users.https://cardnorth.ca/credit-cards/bmo/bmo-preferred-rate-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-preferred-rate-mastercard/How the rates apply BMO counts balance transfers as cash advances, and its rate table charges cash advances and balance transfers 15.99%. Penalty rates Missing a minimum payment and leaving it unpaid until the next statement is prepared, 2 times in any 12-month span, raises the rates to 25.99% for purchases and 27.99% for cash advances and balance transfers. They apply from the statement period after that second miss and stay for at least 12 months.https://cardnorth.ca/credit-cards/bmo/bmo-student-cashback-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/bmo/bmo-student-cashback-mastercard/Who can apply You need to be a student between the ages of 18 and 24 at a recognized post-secondary school. You also need annual income from employment, a scholarship or grant, a student loan or a family allowance. International students can apply for a BMO credit card at a branch. Limits on the higher rates The 3% on groceries applies to up to $500 spent in each statement period, at grocery stores and supermarkets that sell a complete line of food products.