Top 4 BMO Credit Card Review and Application

Bank of Montreal is one of the leading banks in Canada issuing a different credit cards to customers on demand. These credit cards serve different purposes and come with different benefits. This article will cover BMO Credit Card(s).

The difference between these cards and other credit cards where you earn rewards for purchasing specific services is that the BMO Rewards MasterCard allows you to receive points on every dollar spent.

In a simple history, BMO was established in 1817 and is one of the big five banks in Canada. Presently, the Bank of Montreal has more than 900 branches across the country

Top 4 BMO Credit Cards

Page Contents

This part of the article will run through various types of Bank of Montreal Credit Cards. What you need to know about each card before making a decision on the application process.

BMO Rewards MasterCard

This is the first BMO Credit Card on our list, it has amazing features that make it stand out among other MOB cards. On this credit card, you don’t need to worry about an annual fee, it is a zero annual fee credit card.

Not only that, BMO Rewards MasterCard Interest Rate are as follow: Purchases is around 19.99% while Cash Advances is about 22.99% (21.99% for Quebec Residents)

You will enjoy a welcome offer of about 100000 points within the first 3-months if you are able to spend $1000. You will also get 1 BMO Rewards point for every single dollar you spent.

In addition to that, you will get about 25% off car rentals at National Car Rental and Alamo. Rent A Car locations worldwide. On this credit card, you will enjoy an extended warranty and purchase protection on your credit card.

Finally here, you will benefit zero dollar liability. This is simply card protection from unauthorized use of your credit card.

BMO Eclipse Visa Infinite Card

Another BMO Credit Card(s) on the list is the BMO Eclipse Visa Infinite Card. Like the first credit card detailed above, it has its unique features as well.

This credit card has an annual fee attached to it, not like the first credit card mentioned above. You are to pay about $120 annual fee and another $50 additional card. Its own interest is 20.99% for purchase and cash advances give about 23.99%.

Your income requirement to apply for this credit card is a bit high. From an individual, you are expected to get a minimum of $60000 while as a household, you are expected to have $100000 and annual income before you can apply for BMO Eclipse Visa Infinite Card.

You will enjoy about 40000 rewards points and get a $120 annual fee waived in the first year. Not only that, when you spent $3000 within the first 90-days you will get a 25000 MBO reward bonus.

You will also earn an additional 15000 BMO Rewards points anniversary bonus twelve (12) months after the Credit Card account open date if your account is in good standing.

Meanwhile, you will get 1 BMO reward for the $1 you spend on other purchases. You will have access to mobile insurance that will cover you up to $100. You may add an authorized user to your account, this will late earn you about 10% more points.

Finally, on this credit card, you will earn 5x the BMO Rewards points on groceries, dining, gas, and transit. You will also get annual lifestyle credit of a %50 to spend on what you want and pay with Points by browsing your recent transactions & redeem your points for as little as $1

BMO AIR MILES World Elite MasterCard

This another BMO Credit Card. Like other credit card mentioned so far in the article, it has its wonder features and benefits.

Let kick start with the annual fee, you will be charged about $120 Primary Card, $50 additional card. This is considering a bit high, which moves us to the interest rate of this credit card. You will have to pay a purchase interest rate of about 20.99% and cash advances rate of about 22.99% (21.99% for Quebec Residents).

You will enjoy about 2000 AIR miles bonus and get a $120 annual fee waived in the first year. On BMO AIR MILES World Elite MasterCard, you spent $12 on your credit card, you earn 1 reward mile. You will also earn 3X the Miles for every $12 spent at participating AIR MILES Reward Partners.

Additionally, you will get valuable benefits for digital everyday services from a variety of on-demand apps and subscription services.

You will also access over 1 million Wi-Fi hotspots around the world, all at no added cost, and no added fees or roaming charges. Complimentary membership in MasterCard Airport Experiences provided by LoungeKey, with exclusive VIP access.

BMO Cash Back World Elite MasterCard

You are welcome to another BMO Credit card, this part of the article will run through the BMO Cash Back World Elite MasterCard. Not too different from some of the credit cards mentioned in the article so far.

You will be charged about $120 as an annual fee, meanwhile, you will not pay this money for the first year. This credit card offers a flat-rate cash back rate of 1.50% on all purchases and you can redeem the cash back whenever you want, starting at $50. I think that is not too bad for a card like this.

New cardholders enjoy 10% cash back on the first $2,000 they spend on the card and can earn up to $200 in the first three months.

Like one of the credit card above, your annual income play a vital role on the application process. Before you can apply for this BMO Credit Card, your annual income must be at least $80000. That is the reason, this credit card is not available for everyone.

You will enjoy a welcome offer of about 10% cash back on the $2000 you spend within the first three months ($200 value). Just like other credit card mentioned in the article, the purchase interest rate is about 19.99% and 22.99% for cash advances

This card offers out-of-province/out-of-country emergency medical protection up to $2 million for 8 days, free roadside assistance, and free membership in MasterCard Airport Experiences provided by LoungeKey.

Apply for BMO Credit Card

You can apply for the card online by visiting the BMO official website. Applying for a BMO MasterCard is an easy and quick process that can be completed in 4 simple steps.

Step 1====> Explore the various BMO MasterCard options that are available and choose the most suitable card that meets your needs.

Step 2 ====> Then, click on the apply now button and follow the prompts to read the detailed card features, as well as the terms and conditions.

Step 3 ====> Now enter the required personal and financial details to complete the application for a BMO MasterCard.

Step 4 ====> Wait for a decision from BMO on your credit card application.

Once your application was approved, you will get your card in due time via mail.

How to Login to BMO Credit Card Online Account

Once you received your card, you need to log in before you can make an online payment and perform other transactions via the online account. In that case, this part of the article will run through the login process.

You can log in to your account through your mobile phone and a computer system. As we know, virtually everybody owns Android Smartphone these days.

These make it possible to access your online account via mobile devices. We will also run through the login process via a computer system, we will take them one after the other.

Log In to your BMO Harris Account via Mobile Phone or Tablet

If you prefer banking from a mobile phone or tablet, BMO Harris also offers a mobile banking app, available for free on the App Store and Google Play. Here we go:

Step 1 ====> You need to download the app through Google Play or Apple Store depending on your device.

Step 2 ====> After downloading and installing, launch the app

Step 3 ====> Then, enter your login details (username and password) in the space provided

Step 4 ====> Finally, you need to tap on the Login to access your online account

Once you access your online account via your Smartphone, you will be able to perform the following task.

====> You will be able to view your account activities

====> You will be able to deposit checks

====> You will be able to check your BMO credit card account balance

====> You will be able to transfer money from your account via the mobile app

====> You will be able to make a withdraw cash without your card

Log In to your BMO Harris Account via a Computer

Sometimes you prefer using your personal computer to access your online account, then you are lucky as we will explore the guide in the article couple with what we had explained above. The BMO Harris website makes it easy for you to log in to your account and manage your money from anywhere. Here we go:

Step 1 ====> You need to visit the official BMO Credit Card Login Page

Step 2 ====> On the page, locate and click on the sign-in button in the top right.

Step 3 ====> Now you need to choose your account type in the drop-down menu. For example, as a personal banking customer, you may choose BMO Digital Banking.

Step 4 ====> Then, you need to enter your login details (user ID and password) in the space provided.

Step 5 ====> Lastly, you need to click on the Sign In button to access your account.

NOTE: If you enter the right login details, you will be able to access your online account. If not, you will be denied access to your BMO Credit Card online account

How to View BMO Harris Statement Information

With BMO Harris, you have access to up to seven years of account activity through online statements. This is amazing, in other to achieve these, here is what you need to do:

Step 1 ====> Log in to your account, explored above.

Step 2 ====> Go to the Accounts tab and click on it.

Step 3 ====> now locate and select Online Statements.

Step 4 ====> From the drop-down menu, select Account Statements.

Step 5 ====> Then, select the account you want to see statements for from the drop-down menu.

Step 6 ====> Finally, click on the statement you would like to view.

Once you do that, you will view exactly what you want.

How to Retrieve a Forgotten Username or Password

If you have forgotten login details to your BMO Harris login, no worries. You will be able to get them back or reset them. You only need to follow these steps from your computer to retrieve them: