#1
Students – BMO CashBack Mastercard
BMO · rated 4.8/5
Highest cashback for students
Welcome offer: 5% cash back for the first 3 months, up to $2,500 in spend
Annual fee$0
Purchase rate21.99%
FX fee2.5%
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BMO credit cards
All 12 BMO credit cards we track, with the current welcome offers, fees and interest rates. The top picks are ranked by FinlyWealth rating, then welcome-offer value.
Top 3 picks
#2
BMO VIPorter World Elite Mastercard
BMO · rated 4.5/5
Premium card for frequent Porter airline travelers
Welcome offer: Get up to 70,000 VIPorter points and a round-trip companion pass. Plus receive $1,000 in Qualifying Spend.
+$125 extra cash back through FinlyWealth
Annual fee$199 (1st year free)
Purchase rate21.99%
FX fee2.5%
#3
BMO Preferred Rate Mastercard
BMO · rated 4.5/5
Low interest
Welcome offer: Get a 0% introductory interest rate on Balance Transfers for 18 months with a 3% transfer fee and a $29 first-year annual fee rebate.
Annual fee$29 (1st year free)
Purchase rate13.99%
FX fee2.5%
All 12 compared
| Card | Welcome offer | Extra cash back | Annual fee | Purchase rate | Cash advance | FX fee | |
|---|---|---|---|---|---|---|---|
Students – BMO CashBack Mastercard BMO | 5% cash back for the first 3 months, up to $2,500 in spendEst. value $125 | — | $0 | 21.99% | 23.99% | 2.5% | Apply → |
BMO VIPorter World Elite Mastercard BMO | Get up to 70,000 VIPorter points and a round-trip companion pass. Plus receive $1,000 in Qualifying Spend.Est. value $1,050 | +$125 cash back | $1991st year free | 21.99% | 23.99% | 2.5% | Apply → |
BMO Preferred Rate Mastercard BMO | Get a 0% introductory interest rate on Balance Transfers for 18 months with a 3% transfer fee and a $29 first-year annual fee rebate. | — | $291st year free | 13.99% | 15.99% | 2.5% | Apply → |
 BMO eclipse Visa Infinite Privilege Card BMO | Get up to $2,700 in value including up to 200,000 points, 10 lounge passes and a $200 annual Travel Credit. Plus, enjoy no foreign transaction fees and more.Est. value $1,340 | +$100 cash back | $599 | 21.99% | 23.99% | 0% | Apply → |
 BMO CashBack World Elite Mastercard BMO | Get up to $650 in valueEst. value $650 | +$120 cash back | $1391st year free | 21.99% | 23.99% | 2.5% | Apply → |
 BMO eclipse Visa Infinite Card BMO | Get up to $1,200 in value including up to 80,000 Bonus points, monthly streaming statement credit, $50 statement credit, and no annual fee in your first year.Est. value $536 | +$200 cash back | $1201st year free | 21.99% | — | 2.5% | Apply → |
 BMO VIPorter Mastercard BMO | Get up to 40,000 VIPorter points and a 35% off flight voucher.Est. value $600 | +$100 cash back | $891st year free | 21.99% | 23.99% | 2.5% | Apply → |
 BMO Ascend World Elite Mastercard BMO | Get up to $1,900 in value including up to 115,000 points. Plus, get a 0% introductory interest rate on Balance transfers for 12 months.Est. value $770.50 | +$120 cash back | $1501st year free | 21.99% | — | 2.5% | Apply → |
 BMO eclipse rise Visa Card BMO | Get up to 25,000 bonus points in your first anniversary!Est. value $167 | +$50 cash back | $0 | 21.99% | 23.99% | 2.5% | Apply → |
 BMO Blue Rewards World Elite Mastercard BMO | Get up to $1,600 in value and the annual fee waived in the first year. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee.Est. value $1,600 | +$120 cash back | $1501st year free | 21.99% | — | 2.5% | Apply → |
 BMO CashBack Mastercard BMO | 5% cash back for the first 3 months, up to $2,500 in spendEst. value $125 | — | $0 | 21.99% | 23.99% | 2.5% | Apply → |
 BMO Blue Rewards Mastercard BMO | Get 20,000 Bonus Points, a 9-month 0.99% introductory interest rate on balance transfers with a 2% transfer fee, and earn rewards from over 400 brands.Est. value $134 | — | $0 | 21.99% | 23.99% | 2.5% | Apply → |
Offer data from FinlyWealth, updated 2026-11-08. Rates, fees and offers change often and may differ from what the issuer shows you — always confirm the current terms on the issuer's site before applying. "Extra cash back" is paid by FinlyWealth when you apply through our link and are approved; conditions are on the FinlyWealth page. Rankings use FinlyWealth's rating, then welcome-offer value. crediteasy.ca is independent and does not provide financial advice.