Does BMO Have a Metal Credit Card?

Metal credit cards have become increasingly popular for their durability, luxury feel, and premium perks. If you’re wondering whether BMO (Bank of Montreal) offers a metal credit card, the answer isn’t entirely straightforward.

BMO’s Metal Credit Card Offering

Currently, BMO does not widely advertise a metal credit card for personal use. However, its most premium offering, the BMO eclipse Visa Infinite Privilege, is a high-end credit card that may have a more premium build. This card includes:

  • Generous BMO Rewards points on dining, travel, and lifestyle spending
  • Annual lifestyle credit for flexible purchases
  • Complimentary access to airport lounges worldwide
  • Comprehensive travel and purchase insurance
  • Exclusive concierge services

This card is designed for high-income earners and has a substantial annual fee, making it accessible only to select customers.

Other Premium BMO Credit Cards

Although BMO does not currently offer a widely known metal credit card, they do have several high-end options, including:

  • BMO World Elite Mastercard – Great for frequent travelers with flexible rewards
  • BMO Air Miles World Elite Mastercard – Ideal for Air Miles collectors looking for premium benefits
  • BMO Cashback World Elite Mastercard – A top-tier cashback card with enhanced earning potential

Why Consider a Metal Credit Card?

Metal credit cards have become a status symbol due to their exclusivity and appeal. Some of the key advantages include:

  • Durability – Metal cards are sturdier and more resistant to damage than plastic.
  • Luxury Appeal – The premium weight and sleek design stand out.
  • Status Symbol – Associated with high-net-worth individuals and premium services.
  • Exclusive Perks – Many metal cards offer superior travel rewards and spending benefits.

How to Qualify for a Premium BMO Credit Card

BMO’s top-tier credit cards, like the eclipse Visa Infinite Privilege, have strict eligibility requirements:

  • A minimum annual personal or household income of $150,000-$200,000
  • A strong credit score, typically above 740
  • An annual fee ranging from $120-$499, depending on the card

BMO Metal Credit Card Alternatives

If BMO does not offer the metal credit card you’re looking for, alternatives like Metal Card Studio can help. Our service allows you to upgrade your existing plastic credit or debit card to a premium metal version, providing the same luxurious feel without the high fees and strict qualifications.

Why Choose Metal Card Studio?

  • Customizable Designs – Personalize your card with engravings and unique finishes.
  • Affordable Pricing – Enjoy a metal card experience without excessive annual fees.
  • Compatible with Most Banks – Upgrade your existing credit or debit card effortlessly.
  • Quick and Secure Process – A seamless and secure transition from plastic to metal.
  • No Credit Check Required – Since it’s an upgrade, no new credit application is needed.
  • Durability and Style – Enjoy a sleek, high-end metal card that makes an impression.

Final Thoughts

While BMO does not currently offer an official metal credit card, its premium options provide similar benefits. If you’re looking for the elegance and durability of a metal card without the high qualification barriers, Metal Card Studio offers the perfect solution.

Interested in upgrading your card? Visit Metal Card Studio to transform your current card into a high-end metal design today.

Frequently Asked Questions

A metal credit card functions like a regular plastic credit card, but it’s typically made with a metal core, such as stainless steel or brass. What sets these cards apart is their noticeable weight and solid feel, which give them a more substantial and premium quality. Designed to convey exclusivity and prestige, metal credit cards offer both enhanced durability and a touch of luxury.

While metal cards are often linked to high-end or premium offerings from financial institutions, companies like Metal Card Studio Inc. have recently begun offering services to convert standard plastic cards into metal ones, making this upgrade more accessible.

To get a metal credit card, you can go through the traditional route of applying for one at a financial institution such as American Express, CIBC, TD, or BMO. However, these cards often require a high income ($150,000+), high annual fees, and a high minimum annual spend in order to keep the card.

Alternatively, you can trust Metal Card Studio to convert any ordinary plastic credit card into a custom metal credit card for you at a low one-time cost.

Our process is quick, easy, and secure!

Once we receive your credit or debit card, we extract the EMV chip and magnetic stripe data and transfer them to your new metal card. Afterwards, we’ll engrave your chosen design onto the front and back of the card. We then ship both cards back to you via free UPS shipping.

We have strict policies in place to ensure that your card information is kept secure at all times, and will never be misused.

Once we receive your card in the mail, we perform the transfer on the same day. We’ll then ship it back to you via free UPS shipping which typically takes:

  • 1 to 2 days in Canada
  • 2 – 3 days in the US
  • 5 – 7 days everywhere else

Need your card quicker? We offer faster shipping options for a premium.

Yes! We’re currently taking appointments only. Send us a message if you’re interested.

Absolutely! Metal Card Studio Inc. is a registered Canadian corporation. We have strict policies in place to ensure that none of your card information is stored or misused.

Once the procedure is complete, we’ll mail your old card and your new card back to you.

Learn more about how we keep your card safe.

It’s highly illegal to steal and misuse someone else’s credit card information. The consequences involve severe fines and imprisonment and we’d like to avoid both!

All of our staff are trained on how to safely handle your credit card details.

Learn more about how we keep your card safe.

Our cards are made of solid metal, which cannot tap.

Plastic credit cards have antennas built into the cards that enable them to support contactless payment. These antennas cannot be carried over to solid metal cards.

It’s a small sacrifice in exchange for a premium, heavy metal credit card.

While tap won’t work with your new card, you can still connect your card to Google Pay or Apply Pay for the contactless payment functionality.

Please visit our return policy page to learn more.

We understand that credit cards expire! We offer a discount for credit cards that expire within 2 years of your order date. We’re happy to engrave a completely new card for you for just $89 CAD + tax.

We can either reuse the design of your expired metal credit card, or you can select one of our pre-made designs.

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