Best BMO Rewards Credit Cards in Canada - October 2026

BMO Rewards

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

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BMO Ascend™ World Elite®* Mastercard®*

BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$771Annual fee rebated$150Total$921Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $921
Welcome offerAfter $20,000 in 12 months: Up to 115,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $150/yr
Min. annual income: $80,000+

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Rewards: Rate
Travel: 5x
Restaurants: 3x
Streaming: 3x
Bills & recurring payments: 3x
Entertainment: 3x
Telecom: 3x

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BMO eclipse Visa Infinite* Card

BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $589
Welcome offerAfter $12,000 in 12 months: Up to 70,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Transit: 5x
Gas & EV: 5x
Restaurants: 5x
Groceries: 5x

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BMO Ascend World Elite Mastercard for Business

BMO® Ascend World Elite®* Business Mastercard®*

Business BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $175
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,005Annual fee rebated$175Total$1,180Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,180
Welcome offerAfter $30,000 in 12 months: Up to 150,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $175/yr
Min. annual income: —

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Rewards: Rate
Gas & EV: 4x
Office: 4x
Telecom: 4x

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BMO eclipse rise Visa* Card

BMO BMO Rewards

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$168Total$168Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $168
Welcome offerAfter $1,500 in 3 months: Up to 25,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $0
Min. annual income: —

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Rewards: Rate
Bills & recurring payments: 2.5x
Groceries: 2.5x
Restaurants: 2.5x

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BMO eclipse Visa Infinite Privilege* Card

BMO BMO Rewards

Annual fee: $599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,340Total$1,340Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,340
Welcome offerAfter $75,000 in 12 months: Up to 200,000 points; Ends Oct 31, 2026

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $599/yr
Min. annual income: $150,000+

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Rewards: Rate
Restaurants: 5x
Travel: 5x
Groceries: 5x
Gas & EV: 5x
Pharmacy: 5x

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