The Bank of Montreal features a selection of financial and tailored services, including small business investing, payroll services, credit cards, and loans. Credit cards are of several types, standard, affinity, and rewards cards with points toward charitable donations, theatre and events tickets, products, and more.
BMO offers a selection of rewards credit cards with added benefits, including rewards miles, travel services, trip accident assistance, and others. Clients with rewards credit cards choose from merchandise in multiple categories, including kitchen, wellness and health, toys, and others. Points can be redeemed toward live events, award winners, and experiences, including kayaking, spa, and others.
There are specialty cards such as the BMO World Elite MasterCard that feature unlimited rewards, travel credit, VIP airport lounge access, and more. The card features no markups, points toward investments, travel discounts, and other benefits. This is a premium travel card that features welcome points and unlimited rewards, with no seat or other restrictions. Other business credit cards include the BMO CashBack MasterCard for Business and the BMO Premium CashBack MasterCard. 
In addition to rewards points, the Bank of Montreal offers a selection of financial products with cashback, no annual fees, no interest charges, and others. Personal credit cards feature different loyalty programs, no annual fees, and free rewards. Prepaid cards are available to customers with tarnished credit and go with low fees. Other fees apply, however, including fees on cash-like transactions such as lottery tickets, wire transfers, race track wagers, money orders, off-track betting, travelers checks, casino chips, and foreign currency.
Customers can choose from popular options such as the BMO SPC CashBack MasterCard and Air Miles World MasterCard. Students benefit from discounts on dining, merchandise, and school-related items. The bank also offers affinity cards that are designed for customers who support different causes. Affinity cards support causes such as community and education and establishments like the Canadian Scholarship Trust Foundation and the Canadian Art Foundation. BMO Amalgamated Transit Union is a specialty type of card with a low rate, concierge service, and travel discounts. With some affinity cards, the bank requires a minimum income of $100,000 for households and $60,000 for individual customers, but there are plenty of benefits, including 21 grace days and cash rebates. The Cancer Research Society card is one example and offers benefits such as reservations, entertainment recommendations, discounts, and more.
Cards for Business Clients
The Bank of Montreal offers credit cards that are specially designed for business customers. There is a selection of business cards with automatic rebates, no foreign exchange fees, and other perks. In addition to credit cards, businesses are offered term loans to buy real estate and equipment.