Customers are offered plenty of choice, from commercial mortgages and business loans to specialized banking, accounts, and credit cards. Clients are offered cards with premium features, annual rebates, and generous savings. The Bank of Montreal features rewards points that can be used toward electronics, accessories, fashion and clothing, and more. 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. The bank offers different business cards, including BMO World Elite, which features flexible travel and non-travel redemption schemes, donations, and high-end merchandise. Customers with a minimum household and individual income of $120,000 and $70,000, respectively, meet the criteria. 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 credit card and the BMO Premium CashBack MasterCard. 
Options for Individual Applicants
BMO offers a variety of consumer cards for clients with different credit profiles, from poor to stellar. Some cards are ideal for high spenders while others are offered to customers who need an U.S. dollar card. Customers are offered prepaid cards by MasterCard, featuring low annual fees and travel benefits. 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. Student cards feature generous discounts and points toward travel, gifts, merchandise, and theatre tickets. The bank also offers affinity cards that are designed for customers who support different causes. The bank partners with different establishments such as Doctors of BC and the Union of Taxation Employees. BMO MADD Canada is one card with exclusive discounts, pre-authorized debit, and other features. There are cards that support research societies and institutes and health causes. Another option is the BMO Canadian Red Cross MasterCard which goes with an interest rate of 19.9 percent, vehicle coverage, and free additional cards. With affinity cards, a small percentage goes toward charitable causes.
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.