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BMO credit cards 2 cards tracked

The best BMO Bank of Montreal credit cards in Canada for 2026.

The BMO Ascend World Elite Mastercard and the BMO eclipse Visa Infinite Privilege, the BMO cards in our list below, earn BMO Rewards points. BMO's own terms give points more value when you redeem them for travel than for other purchases.

Income range

BMO Ascend World Elite: $80,000 individual or $150,000 household. BMO eclipse Visa Infinite Privilege: $150,000 individual or $200,000 household.

Credit score

Not stated in the offer terms we track. Approval is based on BMO's own credit review.

Best for

High spenders who can reach tiered welcome-offer targets, travellers who'd use the Ascend World Elite's lounge passes, BMO Rewards travel redemptions

All 2 BMO cards we track.

BMO card lineup

  • BMO Eclipse Visa Infinite Privilege

    Up to 200,000 BMO Rewards points + up to $200 NEXUS credit + $200 anniversary lifestyle credit

    The points come in three tiers. You get 80,000 points after spending $6,000 in net purchases in the first 110 days, another 40,000 after $30,000 in the first 180 days, and another 80,000 after $75,000 in the first 12 months. BMO pays up to $200 back when a NEXUS application fee posts to the primary card in year one. The $200 lifestyle credit needs one purchase of $200 or more in the annual period and is paid after the anniversary, when the annual fee renews. Applications must arrive by October 31, 2026. The annual fee is $599. Minimum income is $150,000 (individual) or $200,000 (household). The offer is not open to current or former eclipse Visa Infinite Privilege cardholders, or to existing BMO cardholders switching into this card. Bonus points may be taken back if the card is closed within 365 days.

    Annual fee: $599/year

    Read full review → Get this offer

  • BMO Ascend World Elite Mastercard

    Up to 115,000 BMO Rewards points + first-year annual fee waived

    Welcome points come in three tiers: 60,000 points for $5,000 in net purchases within the first 110 days, 20,000 more for $10,000 within the first 180 days, and 35,000 more for $20,000 within the first 12 months. Your application must be received between September 15, 2026 and December 7, 2026. The offer is not open to current or former BMO Ascend World Elite Mastercard cardholders, or to existing BMO cardholders who switch into this card. The $150 primary annual fee is rebated in year one, and $50 additional cards are also rebated in year one if added at application. BMO also gives one NEXUS statement credit of up to $200 in the first year. Minimum income is $80,000 individual or $150,000 household. Points may be clawed back if the card is cancelled within 365 days.

    Annual fee: $150/year

    Get this offer

About BMO cards

What to know before applying.

BMO's welcome offers are tiered: you unlock more points as your spending climbs over the first months and the first year, and BMO can take the points back if you close the card within a year. BMO's terms value points at a better rate for travel than for other redemptions. The current offers, spending tiers and annual fees are in the card list above.

Best for

High spenders who can reach tiered welcome-offer targets, travellers who'd use the Ascend World Elite's lounge passes, BMO Rewards travel redemptions

Not for

Anyone who can't comfortably meet the spending targets (the top tiers need very high spending in the first year), and anyone who wants airline points like Aeroplan

← All credit cards Check approval odds → How we rate →

FAQ

Common questions about BMO cards.

How are BMO Rewards points valued?

BMO's own terms set a better redemption rate for travel than for other purchases, so the same points are worth more if you book travel with them. BMO's dollar figure for each welcome offer uses the travel rate. BMO Rewards points are BMO's own currency, not an airline program.

Is the BMO eclipse Visa Infinite Privilege worth its annual fee?

Only if you'd use what it offers. The top welcome tier needs very high spending in the first 12 months, and the annual lifestyle credit is paid only after your anniversary, when the annual fee renews. Compare the fee and the credits in the offer on this page with what you'd actually use. You also need $150,000 individual or $200,000 household income.

Does the BMO Ascend World Elite include lounge access?

Yes. BMO's page lists 4 free airport lounge visits each year through DragonPass, which you can use yourself or for companions.

Do I need to bank with BMO to get an eclipse card?

The offer terms we track don't list a BMO bank account as a requirement. The welcome offers do exclude current or former cardholders of the same card and existing BMO cardholders who switch into it.