BMO (Bank of Montreal) offers credit cards across three main reward programmes: BMO Rewards (redeemable for travel and merchandise), Air Miles co-branded cards, and cash back. The BMO eclipse lineup is its flagship consumer range.
Quick Picks: Best BMO Card For…
BMO eclipse / BMO Rewards Cards
BMO Air Miles Cards
BMO Cash Back Cards
BMO Low-Rate Cards
BMO Newcomer Cards
BMO Business Cards
BMO Loyalty Programme Guides
- BMO Rewards Programme Guide
- How BMO Rewards Works
- BMO eclipse vs. BMO Rewards World Elite: Which Card Is Better?
- BMO Rewards vs. Scene+ and Aeroplan
- Air Miles Programme Guide
Frequently Asked Questions
Which is the best BMO credit card in Canada?
The BMO eclipse Visa Infinite ($120/yr) is BMO’s best card for most Canadians — earning 5x BMO Rewards on food, dining, groceries, gas, and transit. For pure cash back, the BMO CashBack World Elite Mastercard ($120/yr) earns up to 5% on groceries. Verify current rates at bmo.com.
Is BMO eclipse better than Scotiabank Gold Amex?
Both cards earn 5x on similar everyday categories and cost $120/year. However, Scene+ points (Scotiabank Gold Amex) are worth 1.0¢ each vs BMO Rewards’ 0.67¢/pt — making the Gold Amex’s effective return roughly 49% higher per dollar spent. The BMO eclipse is better for cardholders who prefer Visa, bank with BMO, or specifically want BMO’s insurance and card benefits. See our full BMO Rewards vs. Scene+ comparison.
Does BMO have a no-FX-fee credit card?
BMO does not currently offer a widely-available no-FX-fee consumer credit card. Most BMO cards charge the standard 2.5% foreign transaction fee. Verify current offerings at bmo.com.