Get a credit card that matches your spending style
Are you a rewards points collector? Prefer cash back? Looking for a lower interest rate? Explore our Mastercard ® credit cards to find the right one for you.
BMO Cash Back Credit Card
Apply between March 1, 2025 and April 30, 2025, and earn $250 cash back when you spend $2,000 in the first 3 months of account opening.footnote 3
5% cash back on eligible streaming, cable TV and satellite services, footnote 1
Get 3% cash back on eligible gas, EV charging and grocery purchases, footnote one, footnote dagger
1% cash back on all other eligible purchases, footnote 1
footnote dagger, Up to $1,500 in gas, EV charging and grocery purchases each calendar quarter and 1x on all purchases after that
BMO Platinum Credit Card
0% introductory A P R on purchases for 15 months from account opening date, footnote asterisk. After that, a variable A P R applies, currently 17.24% - 25.24%, based on your creditworthiness.
0% introductory A P R on balance transfers for 15 months from the date of the first transfer, when transfers are completed within 90 days of opening the account., footnote 3 After that, a variable A P R applies, currently 17.24% - 25.24%, based on your creditworthiness.
BMO Platinum Rewards Credit Card
Get 15,000 bonus points when you spend $1,500 within 3 months of opening your account, footnote 1
2 points per $1 spent on eligible gas, EV charging and grocery purchases, up to $1,500 in combined spend each calendar quarter, footnote 1
1 point per $1 spent on all other eligible purchases, footnote 1
15% anniversary bonus points when you spend a minimum of $15,000 annually.4footnote 4
BMO Premium Rewards Credit Card
Get 35,000 bonus points when you spend $5,000 within 2 months of opening your account, footnote 2
4 points per $1 spent on eligible gas, EV charging, groceries and dining, up to $2,000 in combined spend each calendar quarter, footnote 1
2 points per $1 spent on eligible hotels and airfare, up to $2,000 in combined spend each calendar quarter, footnote 1
1 point per $1 spent on all other eligible purchases, footnote 1
10% Anniversary bonus points every year4footnote 4
BMO Boost Secured Credit Card
make real financial progress to establish and strengthen your credit.
help improve your credit with on-time payments, footnote 6
track your real financial progress with CreditView, footnote 7, our credit management tool
Enjoy built-in benefits like Cell Phone Protection, footnote 8 and Extended Warranty, footnote 9
visit your nearest branch to start your application.
Rewards that fit your lifestyle
Take a trip, find a gift or treat yourself! Explore how far your B M O Flex Rewards points can go.
Travel – Redeem your points for flights, hotels, cruises, vacation packages and car rentals.
Shop – Explore the BMO Flex Rewards online catalogue to find a wide range of merchandise, experiences and gift cards.
Credit – Redeem your points for a statement credit to be applied to your BMO Card Monitor.
Looking for a business credit card?
BMO PaySmart Trademark Installment Plans
Credit Card FAQs
Already a BMO customer? You can apply online, at a branch or by calling 1-888-340-2265.
Don’t bank with us yet? No problem, we can help you with that. Just come by your nearest branch to get started.
Here’s what you’ll need:
- Personal details (like your name, address, the state you reside in and your SSN)
- Your income and its source(s)
- A few banking details like your bank name and the account type
Get in touch
Get started
- Activate your cardTo activate your credit card sign in to BMO Digital Banking. From the Account summary screen, select your credit card, click on “Manage card” and “Activate your card”.You can also call to activate. To activate your Platinum, Platinum Rewards, Cash Back, and Boost Secured Card, call 1-855-825-9237. To activate your Premium Rewards or Premier Services Premium Rewards card, call 1-855-825-9238.
Manage your payments and rewards
- Participation in BMO Flex Rewards is subject to terms and conditions found in BMO Flex Rewards Program Rules, available at: bmo.com/bmoflexrewardsconsumer. The Account must be current and in good standing to accrue and redeem points or cash back, as applicable. While points and cash back don’t expire, if the Account is closed for any reason, the Account will no longer be able to accrue points or cash back. All accrued points or cash back not redeemed will be available for redemption for 90 days as long as the Account is closed in good standing. All cash back is redeemable in the form of a statement credit.
- The introductory rewards bonus is based on total net qualified purchases made in the first two months of account opening and rewards will be awarded to qualifying Accounts 3 - 4 weeks after the conclusion of the two-month period. The Account must be open and in good standing for the bonus to be awarded.
- The introductory rewards bonus is based on total net qualified purchases made in the first three months of account opening and rewards will be awarded to qualifying Accounts 3 – 4 weeks after the conclusion of the three-month period. The Account must be open and in good standing for the bonus to be awarded.
- Anniversary Bonus is based on net purchases made in the year prior to Anniversary Date. Please see the Program Rules for more information about the Anniversary Bonus.
- You can request to transfer balances from credit card accounts that you have with other credit card issuers. By submitting your Balance Transfer request you agree that the terms and conditions of your Cardholder Agreement apply to all balances transferred. Please refer to the Summary of Credit Terms for each card for important information about rates and fees: BMO Platinum Rewards Credit Card, BMO Cash Back Credit Card, BMO Premium Rewards Credit Card and BMO Platinum Credit Card.
- Impact on your credit may vary. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
- CreditView and its features, Score Simulator and Credit Education, are provided by TransUnion® for educational purposes only. You should consult with your own financial team for more information about current credit score.
- Coverage provided under a group insurance policy issued by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. Coverage for a stolen or damaged eligible cellular wireless telephone is subject to terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $400 per claim for Secured Credit Card, and $600 per covered card per 12-month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per covered card per 12-month period. The monthly bill associated with the phone must be paid with the eligible card for coverage to be effective. Refer to the Mastercard Guide to Benefits for more information.
- Certain terms, conditions, and exclusions apply. Extended Warranty is underwritten by New Hampshire Insurance Company, an AIG company. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Guide to Benefits at bmo.com/en-us/pdf/credit/consumermcgtb.pdf for more information.
- BMO PaySmart installment plans allow cardholders to repay specific eligible purchases in equal monthly payments over a defined repayment schedule. When you create a PaySmart Plan, it will be subject to a fixed monthly fee of up to 1%. The exact fee will be based on the purchase amount and the duration of the plan, which will be disclosed when the plan is created. The monthly plan fee will remain the same until the PaySmart Plan is paid in full. Review the Terms and Conditions.
- footnote * details Access Summary of Credit Terms for rate and fee information: BMO Platinum Rewards Credit Card, BMO Cash Back Credit Card, BMO Premium Rewards Credit Card, BMO Platinum Credit Card and Boost Secured Credit Card.
- Apple and Apple Pay ® are trademarks of Apple Inc., registered in the U.S. and other countries.
- Google Play and Google Pay are trademarks of Google LLC.
- Mastercard, the Mastercard Brand Mark, Mastercard ® I D Theft Protection trademark, Master RoadAssist ®, MasterRental ®, Mastercard Identity Check trademark, and the circles design are trademarks of Mastercard International Incorporated.