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BMO won't tell you this...I was looking at credit cards and I see the BMO cards have good savings on shell gas stations, which is my primary spending and up next would be. Personally the CIBC card is better as the gas, transit and dining is at 1% rather than % with BMO. However if your grocery spend is the. Apply Now � Get A % Introductory Interest Rate On Balance Transfers For 9 Months, 2% Fee Applies.*.