BMO Bank of Montreal credit cards
Mastercard-focused lineup with BMO Rewards and cash-back cards. Launched the first Porter Airlines co-brand cards in March 2025.
Notable BMO Bank of Montreal cards
- BMO VIPorter World Elite Mastercard
- BMO VIPorter Mastercard
- BMO eclipse Visa Infinite
- BMO CashBack World Elite Mastercard
- BMO Ascend World Elite Mastercard
BMO Bank of Montreal cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
BMOVIPorter World Elite Master… 5525 8938 0147 0129 VALID THRU 10/32ALEX MORGAN BMO VIPorter World Elite MastercardPorter Airlines flyers in Eastern Canada |
C$199/yr | 3x Porter (up to $20,000/yr); 2x travel, groceries, dining, hotels (ca… | None | See issuer | See issuer | — |
BMOVIPorter Mastercard 5120 6214 3463 0390 VALID THRU 07/28RILEY CHEN BMO VIPorter MastercardOccasional Porter flyers |
C$89/yr | 2x Porter (up to $10,000/yr); 1x gas, transit, dining, groceries, hote… | None | See issuer | No income requirement (reporte… | — |
Approval rules and tips
BMO Bank of Montreal does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
BMO Bank of Montreal FAQs
What credit cards does BMO Bank of Montreal offer?
BMO Bank of Montreal's notable cards include BMO VIPorter World Elite Mastercard, BMO VIPorter Mastercard, BMO eclipse Visa Infinite, BMO CashBack World Elite Mastercard, BMO Ascend World Elite Mastercard. See the cards we review below for fees, rewards and APRs.
Does BMO Bank of Montreal have special approval rules?
BMO Bank of Montreal does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a BMO Bank of Montreal credit card?
Apply on www.bmo.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new BMO Bank of Montreal card?
See our step-by-step guide to activating a BMO credit card (Canada) — online, in the app or by phone.