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BMO Credit Cards
Choose from travel, cashback, low-fee and no-fee cards. Interest rates from 0.99% intro on transfers. Rewards, AIR MILES, low annual fees. Flexible for every need.
BMO offers a wide range of credit cards for Canadians, including no-fee and low-fee options, cashback rewards, travel, and points-based programs. If you seek flexibility, BMO’s suite of cards can cover everything from basic spending to luxurious rewards. Interest rates for purchases start at 13.99% (for select cards) up to 21.99%, with many cards featuring introductory balance transfer rates as low as 0.99% for new applicants. Some cards cater to students and newcomers, while premium cards require higher annual incomes but deliver top-tier perks and access to exclusive experiences.
How to Apply for a BMO Credit Card
- Review your credit needs and choose a card that matches your lifestyle and budget.
- Check eligibility criteria, particularly annual income and credit score requirements.
- Gather identification and income documents to speed up the application.
- Apply online through BMO’s secure website or visit a local branch.
- Wait for application approval, typically within a few minutes to a few days.
Main Advantages
BMO’s credit card selection stands out for its diversity—you can choose between no-fee, low-fee, rewards, or travel perks. Many cards offer high welcome bonuses, like points or cash back.
Another benefit is the introductory interest rates on balance transfers, ideal if you want to pay down existing debt at a lower cost or reorganize your finances with minimal fees. Most cards are supported by widely recognized networks (Visa or Mastercard), ensuring easy acceptance.
Potential Drawbacks
Certain BMO credit cards, especially premium options, charge higher annual fees and require minimum household or individual income thresholds. These limits can exclude some applicants seeking entry-level solutions.
In addition, while introductory offers are attractive, ongoing reward rates and bonus eligibility may require you to keep track of monthly spending or maintain certain account activities to maximize benefits.
Final Verdict
BMO’s credit cards provide a great selection for a variety of Canadian consumers, from newcomers and students to experienced travelers and big spenders. While premium cards offer elite privileges, entry-level options are accessible and rewarding. We recommend BMO cards if you want flexibility, good bonus offers, and trusted customer service.
