Credit Cards



Use your BMO® Union Savings MasterCard®* and Show Your Union Pride.

Reward yourself with the BMO Union Savings MasterCard. Choose either AIR MILES®† reward miles or CashBack® Rewards.


✓ A 17.5% interest rate5
✓ Emergency strike skip payment privileges
✓ Emergency cash and card replacement through MasterCard Global Service
✓ Zero Liability6 and Extended Warranty and Purchase Protection4

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Choose either:

BMO® AIR MILES®† World MasterCard®*—$99 Fee
1 AIR MILES reward mile for every $15 spent1.

BMO® AIR MILES®† MasterCard®*—No Fee
1 AIR MILES reward mile for every $20 spent1.

BMO® CashBack® World MasterCard®*—$79 Fee
Earn 1.25% CashBack on every purchase3.

BMO® CashBack® MasterCard®*—No Fee
Earn 0.5% CashBack on every purchase3.

Established in 1817, BMO Financial Group serves more than 12 million personal, commercial, corporate and institutional customers in North America and internationally.

Terms and conditions apply. See for details. 1. Award of AIR MILES reward miles is made for purchases charged to your account (less refunds and excludes cash advances, cash-like transaction and balance transfers) and is subject to the Terms and Conditions of your BMO MasterCard Cardholder Agreement. The number of reward miles will be rounded down to the nearest whole number. Fractions of reward miles will not be awarded. 3. Award of CashBack rewards is made for purchases charged to your card account (less refunds and excluding cash advances, cash-like transactions and balance transfers) and is subject to the BMO CashBack Rewards Terms and Conditions. The number of CashBack rewards will be rounded down to the nearest cent. 4. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch). 5. Ongoing interest rates, payment grace days and annual fees are subject to change. 6. If your card is used without your authorization, you will not be liable if: you did not contribute to the unauthorized use; you used reasonable care to safeguard your card and PIN; you notify us by telephone within 24 hours if you learn of the loss, theft or misuse of your card or cheques, or after you suspected that someone else knows your PIN; you have not reported two or more unauthorized transactions in the last 12 months, and your account is in good standing. If you don’t meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use. ®BMO is a registered trademark of Bank of Montreal. ®†AIR MILES is a trademark of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and Bank of Montreal. ®*Registered trademark of MasterCard International Inc. Used under license.