Credit-Card-Guide.ca: Your guide to choosing the right credit card

BMO Bank of Montreal Credit Cards

At the Bank of Montreal (BMO) you get to customize your own credit card with the features and options of your choice. The basic card is available at no annual fee with a 0.5 % cash back option or bronze air mile package (1 airmile /$40). You can also choose the low rate card for $35/year and 11.4 % APR or reward options to suit your lifestyle.

No Annual Fee Credit Cards

BMO Preferred Rate MasterCard
	No annual fee Free additional cards 17.50% annual interest rate on purchases, cash advances and balance transfers

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	17.5 %	$0	Unknown	No

BMO CashBack MasterCard
	No annual fee 19.50% annual interest rate on purchases, cash advances and balance transfers 0.5% CashBack on every card purchase 1.5% CashBack at Shell 2, National Car Rental & Alamo Rent A Car

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.5 %	$0	Unknown	Yes

BMO AIR MILES MasterCard
	19.5 % annual interest rate 1 AIR MILES reward mile for every $20 in card purchases

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.5 %	$0	Unknown	Yes

Low Rate Credit Cards

BMO Preferred MasterCard with Low Rate
	Annual Fee: $25 11.9 % annual interest rate

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	11.9 %	$25	Unknown	No

BMO CashBack MasterCard with Low Rate and 1% cash back option
	Low 11.9% interest rate available for an additional $35/year 0.5% CashBack on every card purchase 1.5% CashBack on all your card purchases at Shell locations in Canada 1.5% CashBack at National Car Rental & Alamo Rent A Car locations worldwide

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	11.9 %	$35	Unknown	Yes

BMO AIR MILES MasterCard with Low Rate option
	Annual Fee: $35 11.9 % annual interest rate Earn 1/$20 AIR MILES reward miles

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	11.9 %	$35	Unknown	Yes

BMO Gold Air Miles MasterCard with Low Rate
	Annual Fee: $35 + $99 = $134 11.9 % annual interest rate 1 AIR MILES reward mile for every $15 in card purchases Exclusive 25% discount on all AIR MILES flights worldwide

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	11.9 %	$134	Unknown	Yes

Reward Credit Cards (CashBack & Air Miles)

BMO CashBack MasterCard
	No annual fee 19.50% annual interest rate on purchases, cash advances and balance transfers 0.5% CashBack on every card purchase 1.5% CashBack at Shell 2, National Car Rental & Alamo Rent A Car

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.5 %	$0	Unknown	Yes

BMO Premium CashBack MasterCard
	Annual Fee: $49 19.5% interest rate 6 Low 11.9% interest rate available for an additional $35/year 1% CashBack on every card purchase

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.5 %	$49	Unknown	Yes

BMO AIR MILES MasterCard
	19.5 % annual interest rate 1 AIR MILES reward mile for every $20 in card purchases

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.5 %	$0	Unknown	Yes

BMO Gold Air Miles MasterCard
	Annual Fee: $99 19.5 % annual interest rate 1 AIR MILES reward mile for every $15 in card purchases

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.5 %	$99	Unknown	Yes

Student Credit Cards

With Bank of Montreal students can;

Customize their credit card to suit their student lifestyle
Get exclusive discounts at thousands of SPC Card retailers nationwide for NO ADDED FEE
One time SPC Card registration – no need to renew
Earn added Rewards with AIR MILES® reward miles or CashBack®

BMO SPC AIR MILES MasterCard
	Double your student benefits and pay no annual fee 19.5% interest rate Low 11.9% interest rate available for an additional $35/year 1 AIR MILES reward mile for every $20 in card purchases

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.5 %	$0	Unknown	Yes

BMO SPC CashBack MasterCard
	No annual fee 19.5 % annual interest rate or Low 11.9% interest rate available for an additional $35/year 0.5% CashBack on every card purchase

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.5 %	$0	Unknown	Yes

Reward Credit Cards
Cash Back Credit Cards
Reward Credit Cards
Gas Cards
Travel Credit Cards

Everyday Credit Cards
Low Interest Credit Cards
No Annual Fee Credit Cards
Student Credit Cards
Secured Credit Cards

Other Credit Cards
Small Business Credit Cards
US Dollar Credit Cards
Store Credit Cards
Prepaid Credit Cards