The strongest all-around cash-back Mastercard in Canada by blended rate. The fee pays for itself quickly for grocery-heavy households.
$120 annual fee · First-year net value ≈ $560 · Cash back
Issuer hub · Updated 2026-07-11
BMO Credit Cards in Canada
Every BMO credit card we track, ranked by Standard Score — BMO Rewards, VIPorter, and cash-back earners, with the fee math and welcome-offer value shown for each.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | BMO CashBack World Elite Mastercard BMO | 7.4/10 | $120 | ≈ $560 | Cash back | See offer |
| 2 | BMO Ascend World Elite Mastercard BMO | 6.5/10 | $150 | ≈ $820 | BMO Rewards | See offer |
| 3 | BMO Eclipse Visa Infinite BMO | 6.5/10 | $120 | ≈ $590 | BMO Rewards | See offer |
| 4 | BMO VIPorter World Elite Mastercard BMO | 6.3/10 | $199 | ≈ $700 | VIPorter | See offer |
| 5 | BMO CashBack Mastercard BMO | 6.3/10 | None | ≈ $340 | Cash back | See offer |
| 6 | BMO Blue Rewards World Elite Mastercard BMO | 6.1/10 | $150 | ≈ $700 | BMO Blue Rewards | See offer |
| 7 | BMO SPC CashBack Mastercard for Students BMO | 5.2/10 | None | ≈ $90 | Cash back | See offer |
| 8 | BMO Preferred Rate Mastercard BMO | 3.3/10 | $29 | ≈ $0 | None (no rewards) | See offer |
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every BMO card, ranked
Strong perks and the best travel medical coverage at this fee level, wrapped around a below-average points currency. Buy it for the benefits, not the points.
$150 annual fee · First-year net value ≈ $820 · BMO Rewards
Good multipliers on a weak currency. Fine as a BMO client's everyday card; rarely the cross-market winner.
$120 annual fee · First-year net value ≈ $590 · BMO Rewards
A niche card that's excellent inside its niche: Porter loyalists with real spend get a companion pass and strong earn; everyone else should pass.
$199 annual fee · First-year net value ≈ $700 · VIPorter
A solid no-fee grocery earner. Straightforward and fee-free, with an upgrade path once spend outgrows the cap.
No annual fee · First-year net value ≈ $340 · Cash back
A large headline bonus attached to a program that's barely a month old at time of review. Promising on paper, but treat the redemption value as unproven until Blue Rewards has a track record.
$150 annual fee · First-year net value ≈ $700 · BMO Blue Rewards
Not a rewards play — a credit-building tool with a retail-discount bonus attached. Good for its intended purpose, nothing more.
No annual fee · First-year net value ≈ $90 · Cash back
Less a low-rate card than a debt-paydown instrument. Move the balance, set an 18-month payment plan, and the 2% transfer fee is the only interest you'll effectively pay.
$29 annual fee · First-year net value ≈ $0 · None (no rewards)
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every BMO card here is scored on the same Standard Score as the rest of the site — see how it’s built, or browse the full card database.