Best BMO Rewards Credit Cards in Canada - September 2026

Get up to $1,150 in value, including up to 70,000 bonus points, a monthly statement credit for streaming services, a $50 statement credit, and no annual fee for the first year.*

• Earn 5x the BMO Rewards points on groceries, delivered or takeout meals, rideshares, public transit, and gas*
• Plus, earn 1 point for every dollar spent on everything else*
• Get a $50 lifestyle anniversary credit to use as you wish*
• Mobile Device Insurance that covers you for up to $1,000 per occurrence*
• Earn 10% more points when you add an authorized user to your account*
• Pay with Points by browsing your recent transactions and you can redeem your points for as little as $1*
• Extended Warranty* and Purchase Protection*
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

Get up to $1,600 in value, including up to 100,000 points, the Mastercard Travel Pass program and 4 complimentary airport lounge passes, the statement credit for NEXUS and the annual fee waived in the first year for the primary cardholder and authorized users.*

Plus, get 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*

• 5x the points for every dollar spent on eligible travel*, 3x the points for every dollar spent on eligible restaurant dining*, entertainment and eligible recurring bill payments*, 1 point for every dollar spent in other purchase categories*
• Free membership to the Mastercard Travel Pass app provided by DragonPass*, and four complimentary passes per year*
• Extended Warranty* and Purchase Protection*
• BMO Ascend World Elite Total Travel and Medical Protection:
  Get Collision Damage Waiver benefits on rental cars, 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

Welcome offer:

• Get up to $1,500 in value*! This includes up to 100,000 BMO Rewards points as a bonus in the first year (a value of $669)*.

Here’s how the welcome offer adds up:

• $135 in value (20,000 BMO Rewards Points) when you make your first purchase*
• Up to $535 in value (8,000 BMO Rewards Points from months 3-12) when you spend $3,000 each month*
• $701 in value from your premium benefits*
• Plus, your $149 annual fee is waived in the first year*
• 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*
• Earn 4 BMO Rewards points for every dollar spent on eligible gas and office supply purchases, as well as cell phone and Internet bill payments.
• Earn 1.5 BMO Rewards points for every $1 you spend*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass, with two annual complimentary passes*
• Save up to 7¢ per litre at all Shell^® gas stations±, regardless of fuel type*

Earn up to 25,000 bonus points:

• Earn 20,000 points when you spend $1,500 in purchases within the first three months, a value of $133*
• 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*
  • 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months*
• Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout*
• Then get 1 point for every $2 spent on everything else!*
• Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Get a 0.99% introductory interest rate on Balance Transfers for 9 months (2% fee applies to balance amounts transferred*)
• Mobile Device Insurance that covers you for up to $1,000*
• Pay with Points by browsing your recent transactions and redeem your Points for as little as $1*
• Receive a discount on car rentals*
• Purchase Protection*
• Extended Warranty*

Welcome offer : Get up to $2,300 in value including up to 200,000 points, Visa Airport Companion Program membership & 6 Complimentary Lounge Passes, NEXUS Statement Credit, $200 Statement Credit and earn 25% more points when you add another cardholder.
Plus, get 0%s introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.

• Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel.*
• Get 1 BMO Reward for every $1 spent on everything else*
• Get a $200 annual lifestyle credit to spend however you want.*
• Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
• Earn 25% more points when you add an authorized user to your account.*
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Mobile Device Insurance that covers you for up to $1,000*
• Pay with Points by browsing your recent transactions & redeem your points for as little as $1.*
• Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports.*
• Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country.*