BMO · Credit Cards
BMO Credit Cards
BMO’s travel card lineup includes both co-branded airline cards and a flexible rewards program. The eclipse and Ascend cards earn BMO Rewards points at a fixed 0.67¢ per point on any travel purchase. The VIPorter card earns directly into Porter’s VIPorter loyalty program.
BMO Rewards
| Card | Annual fee | Best for |
|---|---|---|
| BMO eclipse rise Visa | $0 | First-card and credit-building applicants — no fee, no income requirement, 2.5x on groceries, dining, and recurring bills. |
| BMO eclipse Visa Infinite | $120 ($0 first yr) | Everyday earners who spend heavily on groceries, dining, gas, and drugstore purchases. |
| BMO eclipse Visa Infinite Privilege | $599 | High spenders who want the same 5x earn structure plus a $200 lifestyle credit and six airport lounge passes. |
| eclipse vs. eclipse Privilege comparison | — | Side-by-side feature matrix and a break-even calculator on the $479 fee gap. |
| BMO Ascend World Elite Mastercard | $150 ($0 first yr) | Travel-first spenders who want 5x on travel and 3x on dining, entertainment, and recurring bills with four lounge passes. |
VIPorter
| Card | Annual fee | Best for |
|---|---|---|
| BMO VIPorter Mastercard | $89 ($0 first yr) | Occasional Porter flyers who want Passport status and priority airport service with no income requirement. |
| BMO VIPorter World Elite Mastercard | $150 ($0 first yr) | Porter flyers who want instant Venture elite status and elevated earn on gas, transit, groceries, and dining. |
| VIPorter Mastercard vs. World Elite comparison | — | Side-by-side feature matrix and a break-even calculator on the $61 fee gap. |
BMO Rewards — Business
| Card | Annual fee | Best for |
|---|---|---|
| BMO Rewards Business Mastercard | $150 ($0 first yr) | Businesses that want flexible travel redemptions with no airline affiliation — any fare, any carrier, fixed 0.67¢/pt value on travel |
Not sure which card fits?
A free consultation looks at where you fly, how you spend, and what you already carry to find the right card for your wallet.