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Credit Cards

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Before you apply for a credit card, tell us what you're looking for

    We also have great options for new to Canada, student credit cards and small business credit cards.

    Need help finding the right card?

    Answer a few easy questions and we’ll recommend one or two cards that suit you!

    help me choose

    Already applied for your BMO credit card?

    Here’s what comes next

    step one

    Watch for your card in the mail

    Once you’re approved, we’ll mail out your new card. It may be in a plain envelope so look out for it.

    step two

    Activate your card

    After your card arrives, you’ll need to activate it before using it. Activate your card online in under a minute.

    step three

    Manage your account online

    Sign up for online banking to keep track of your credit card account, plus get helpful alerts and financial insights.

    Manage your account, anytime, anywhere with the BMO Mobile Banking app

    • Check your rewards balance
    • Report a lost or stolen card
    • Lock and unlock your card
    • Check transaction and payment history
    • Pay your monthly bill

    Pick the best rewards program for you

    • Redeem your BMO Rewards points using Pay with Points to cover eligible travel purchases like flights, hotels, car rentals, vacation packages, cruises and more.64
    • Treat yourself to something from our extensive catalogue, featuring hundreds of products and gift cards from top brands.
    • 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.64 
    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 annually, 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.

    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 using AIR MILES Reward Miles.
    • 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.
    • Transfer Miles – Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!103

    BMO PaySmart™ Installment Plans

    Live now, pay smarter with a BMO PaySmart plan by turning your credit card purchases into smaller, monthly payments at a low cost.

    Digital features and security at your fingertips

    Give your financial health a boost with online and mobile banking tools. Enjoy more control over your credit card and a better understanding about how you’re using it.

    • Safety and security

      Can’t find your card? No worries, you can lock and unlock it, report it lost or stolen, or reset your PIN any time.