BMO
Bank of Montreal's US arm, headquartered in Chicago and expanded westward through the Bank of the West acquisition. Issues a solid no-fee Cash Back Mastercard and, as a historical footnote, still services the legacy Diners Club North America portfolio it bought from Citi in 2009.
Application Rules
- ▸US cards are open to applicants nationwide despite the Midwest and West branch concentration
- ▸Diners Club consumer cards have been closed to new applications since 2014; existing members are still serviced
- ▸Welcome bonuses run as dated promos rather than evergreen offers, so check the current window
Tracked BMO Cards
MastercardBMO Cash Back
Personal · No AF
5% on streaming and cable, a bonus category nobody else leads with.
$200 bonus (≈$200)AF: $0Rating: 6.5/10
MastercardCarte Blanche
Personal · $300 AF
The card that invented the category, now frozen in amber.
Special bonusAF: $300Rating: 6.0/10