Can you pay BMO Mortgage (formerly Bank of the West) with a credit card?
No. It does not take credit cards.
Based on the payment methods BMO Mortgage publishes; where it lists no card option, we read that as no.
Last checked October 19, 2026 by Bill Router; spot-checked by a person October 20, 2026. How we check
Ways to pay BMO Mortgage (formerly Bank of the West)
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | No | — | Credit cards are not listed. BMO's payment methods are Auto Pay from a BMO checking account, BMO Digital Banking, BMO Bank by Phone, in person at 600+ BMO locations, and by mail. |
| Bank account (ACH) | Yes | Free | Auto Pay from a BMO checking account, which also earns a 0.125% rate discount if set up at origination. The fee is not published. |
| Card through Plastiq | Usually | 2.99%, plus $0.99 | A payment service that charges your card and pays BMO Mortgage (formerly Bank of the West) by bank transfer or check. Not affiliated with BMO Mortgage (formerly Bank of the West). |
| Bilt | With a Bilt card | No fee | Bilt pays housing from your bank account, not your credit line, and earns points when your other card spending unlocks them. How Bilt works |
What it is worth for your mortgage payment
Example amount shown; change it to yours.
| Way to pay | Fee per payment | Net per year |
|---|---|---|
| Plastiq (pays BMO Mortgage (formerly Bank of the West) for you) | $60.79 | −$249 |
| Bilt (from your bank, no card fee)Earns Bilt points unlocked by your other card spending; see the calculator. | $0 | $0 |
| Bank account (ACH) | $0 | $0 |
Rewards minus fees, twelve payments a year. A negative number means a card costs you money.
When a card is worth it
The fee usually beats the reward, except when it unlocks a sign-up bonus. Example: someone who already puts $1,000 a month on a card could pay 1 mortgage payment of $2,000 by card for about $61 in fees, reach the Chase Sapphire Preferred bonus, and keep about $594 after fees and the annual fee. Then switch back to the bank account. Run your own numbers.
Watch out for
Cards are not listed, but BMO does not explicitly refuse them. Bank of the West mortgages were folded into BMO.
Sources
We offer a range of payment options to help you conveniently make your payment on time, every month.
www.bmo.com · checked October 19, 2026authorize BMO at origination to withdraw your loan payment each month from a BMO consumer checking account
www.bmo.com · checked October 19, 2026
Payment rules change. Every biller is re-checked at least every 180 days, and a page past that date is taken out of search until it is.
Something changed? Tell us
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See every bill at once
Add your other bills to the calculator to see which go on a card, which stay on your bank account, and which sign-up bonus your normal spending can reach.