Low-interest cards

BMO Preferred Rate Mastercard®*

Offer not available in Québec

Annual interest rate 12.99% purchases, 15.99% cash advances*
Balance transfer intro rate 9 months of 0% on balance transfers*
Annual fee $20 annual fee, waived in the first year*

Card details

Purchase 12.99% purchases, 15.99% cash advances*
Annual $20 Waived for the first year
Balance Transfer 12.99%
Balance Transfer Intro 0% for the first 9 months*
Balance Transfer See Terms*
Balance Transfer Intro 0.99% fee applies to balance amounts transferred*
Security Deposit See Terms*
Foreign Transaction See Terms*
Minimum Income Requirement $15,000
Dishonoured Payment See Terms*
Grace Period 21 days

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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Welcome Offer: Get a 0% introductory interest rate on Balance Transfers for 9 months with a 0.99% transfer fee and we’ll waive the $20 annual fee for the first year*
Enjoy our lowest interest rate of 12.99% on purchases*
Free extended warranty and purchase protection*
Zero Dollar Liability: protects you from unauthorized use of your credit card*
Worldwide acceptance at over 30 million locations*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply

CIBC Select Visa* Card

Offer not available in Québec

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Annual interest rate 13.99% annual interest rate†, 13.99% on cash†
Annual fee $29 annual fee – First Year Rebate†

Card details

Purchase 13.99% purchases†, 13.99% cash†
Annual $29 – First Year Rebate†
Balance Transfer 13.99%
Balance Transfer Intro 0%
Balance Transfer See Terms†
Balance Transfer Intro 1%
Security Deposit N/A
Foreign Transaction See Terms†
Minimum Income Requirement $15,000 Household
Dishonoured Payment See Terms†
Grace Period See Terms†

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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Transfer your credit card balance – Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate.†
Transfer your credit card balance and get 0% interest for up to 10 months with a 1% transfer fee†
Transfer up to 50% of your assigned credit limit†
If you choose to carry a balance and you make your minimum payments on time, a balance transfer could save you money on interest
Take advantage of this 0% introductory interest rate on balance transfers for your first 10 months. You’ll only have to pay a 1% fee† when you transfer your balance from another card to the CIBC Select Visa Card
This balance transfer offer is only available at the time of your online application.† Simply tick the checkbox to select the balance transfer option when you’re filling out your application
Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your amount due, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances you transfer by using this offer, new purchases will be subject to the purchase interest rate.
Save on gas with CIBC and Journie Rewards
Link and use your CIBC Select Visa* Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
CIBC is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click on the “Apply now” link.
†Conditions Apply. “Cash” means cash advances, balance transfers and CIBC Convenience Cheques

BMO CashBack® MasterCard®*

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Annual interest rate 19.99% annual interest rate, 22.99% on cash advances*
Balance transfer intro rate 9 months of 1.99% on balance transfers*
Rewards rate Earn 0.5 – 5% cash back*
Annual fee $0 annual fee*

Card details

Purchase 19.99% purchases, 22.99% cash advances*
Annual $0
Balance Transfer 22.99%
Balance Transfer Intro 1.99% for the first 9 months*
Balance Transfer See Terms*
Balance Transfer Intro N/A
Rewards Cash Back
Security Deposit N/A
Foreign Transaction See Terms*
Minimum Income Requirement $15,000
Dishonoured Payment See Terms*
Grace Period See Terms*

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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Cash interest rate of 22.99%, 21.99% for Québec residents
Welcome offer: Get up to 5% cash back in your first 3 months. Plus, a $50 cash back bonus – that’s up to $175 in cash back in your first year!*
Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
Now earn the highest cash back on groceries in Canada without paying an annual fee!†
Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred*
No Annual fee*
Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account*
Extended Warranty*
Purchase Protection*
Receive a discount on car rentals*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply
†Based on a comparison of the non-promotional grocery rewards earn rate on cash back credit cards with no annual fee as of March 1, 2022.

BMO AIR MILES®† MasterCard®*

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Annual interest rate 19.99% annual interest rate, 22.99% on cash advances*
Balance transfer intro rate 9 months of 1.99% on balance transfers*
Signup bonus Earn 1,500 welcome bonus miles
Rewards rate Earn 0.04x – 0.2x miles per dollar
Annual fee $0 annual fee

Card details

Purchase 19.99% purchases, 22.99% cash advances*
Annual $0
Balance Transfer 22.99%
Balance Transfer Intro 1.99% for the first 9 months*
Balance Transfer See Terms*
Balance Transfer Intro 1%
Rewards Miles
Security Deposit N/A
Foreign Transaction See Terms*
Minimum Income Requirement $15,000
Dishonoured Payment N/A
Grace Period 21 Days

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

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Cash interest rate of 22.99%, 21.99% for Québec residents
Limited time offer: Get 1,500 AIR MILES Bonus Miles!* That’s enough for $150 towards purchases with AIR MILES Cash*
Get a 1.99% introductory interest rate on Balance Transfers for 9 months*, 1% fee applies to balance amounts transferred*
Get 3x the Miles for every $25 spent at participating AIR MILES Partners*
Get 1 Mile for every $25 spent everywhere else*
Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both*
No annual fee*
Receive a discount on car rentals*
Extended Warranty*
Purchase Protection*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply

BMO Rewards® MasterCard

Offer not available in Québec

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Annual interest rate 19.99% annual interest rate, 22.99% on cash advance*
Balance transfer intro rate 9 months of 1.99% on balance transfers
Signup bonus Earn 15,000 welcome bonus points
Rewards rate Earn 1x points per dollar
Annual fee $0 annual fee

Card details

Purchase 19.99% purchases, 22.99% cash advances*
Annual $0
Balance Transfer 22.99%
Balance Transfer Intro 1.99% for the first 9 months*
Balance Transfer See Terms*
Balance Transfer Intro 1.99%
Rewards Points
Security Deposit N/A
Foreign Transaction See Terms*
Minimum Income Requirement $15,000
Dishonoured Payment N/A
Grace Period 21 Days

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

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Cash interest rate of 22.99%, 21.99% for Québec residents
Welcome offer: Get 15,000 BMO Rewards welcome points (worth $75 when you pay with points).*
Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred*
Get 1 BMO Rewards point for every $1 spent*
Earn faster with additional cardholders
Get up to 25% off car rentals at National®#† Car Rental and Alamo®*‡ Rent A Car locations worldwide*
Extended Warranty*
Purchase Protection*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply

Low-interest cards

BMO Preferred Rate Mastercard®*

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CIBC Select Visa* Card

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BMO CashBack® MasterCard®*

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BMO AIR MILES®† MasterCard®*

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BMO Rewards® MasterCard

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