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No annual fee credit cards

If you like keeping your credit card costs low – or having no costs at all – then a credit card with no annual fee is the way to go. Even better, find a no fee card that gives you something back in the form of rewards.

    What’s the right rewards program for you?

    Let’s keep it simple. Easily earn cash on all your purchases. Redeem your cash back how and when it best suits you.

    • Conveniently cash out – You can choose if you want your cash as a recurring payment or as a lump sum. Redeem any time for as low as $1 or set up an automatic recurring deposit starting at $25.

    • Feed the piggy bank – Choose to deposit your cash back into your BMO chequing, savings or InvestorLine account.

    • Put it back on your card – Redeem your cash back as a statement credit.

    Take a trip, find a gift or treat yourself! Explore how far your BMO Rewards points can go.

    • Travel – Redeem your points for flights, hotels, car rentals cruises, and vacation packages – with no black-out periods.

    • Shop – Browse our extensive catalogue, featuring hundreds of products and gift cards from top brands.

    • Invest – Save for the future by redeeming points for a contribution to a BMO savings or investment account.

    • Pay with points – Let your points pick up the tab. Apply your points directly to eligible purchases.

    Use your AIR MILES®† Reward Miles for more than just travel. You can also use them for merchandise, events, attractions and even AIR MILES Cash Rewards.

    • Travel Rewards – Where will you go next? Book your flights, hotels, cruises, vacation packages and car rentals.

    • Dream Rewards – Use your Miles on something special for you or your home. Or how about a spa pass? Or movie tickets? There’s so much to choose from.

    • AIR MILES Cash Rewards – Why wait? Instantly use your Miles online or in-store at participating Partners towards your everyday purchases.

    No feeFrequently asked questions

     

    • If you’re looking to save money on annual fees and still enjoy benefits like cash back or AIR MILES Reward Miles, a BMO no fee credit card could be the best credit card for you.

    • Get peace of mind with security features that keep your credit card safe.
      • Zero Liability
        Our policy which protects you from unauthorized use. Learn more
      • Mastercard Identity Check
        An added layer of security to protect you when you shop online. Learn more

    • Yes! Just sign into BMO Online Banking using your BMO debit or credit card number (or follow the simple steps to register your card) and select your credit card account.