Rewards

BMO CashBack® Mastercard®*

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Minimum Annual Income
Required Credit Score 630
Canadian Residency No

BMO CashBack® Mastercard®*

Get 5% cash back in your first 3 months

Get a cashback rate of up to 5% on all your purchases for the first three months. Conditions apply.

$415 First Year Value
Welcome Offer up to 5% on all your purchases for the first three months*.
$315 Consecutive Years Value
Annual Fees $0
Additional cards Free
Interest Rates
21.99% on purchase 23.99% on cash advance
QC: 21.99%
23.99% on balance transfer
QC: 21.99%
BMO CashBack® Mastercard®* - BMO

Estimated rewards for the first year*

Total Reward: $415.01
Entertainment: $10.55
Gas: $52.73
Groceries: $241
Restaurants: $52.73
Other: $58
Annual Fee: $0
Total: $415.01
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
BMO CashBack® Mastercard®* - BMO

Estimated rewards for subsequent years*

Total Reward: $315
Entertainment: $6
Gas: $30
Groceries: $216
Restaurants: $30
Other: $33
Annual Fee: $0
Total: $315
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.

Reward Calculator

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Net Annual rewards the subsequent years

Special Features

01

Personal cashback card with no annual fee

This personal cashback card with no annual fee offers 3% on grocery purchases, so it's perfect for those who do a lot of grocery shopping. Enjoy BMO Roadside Assistance, eStatements, and other benefits.

02

No annual fee

The BMO CashBack® Mastercard® has no annual fee, so you don’t have to worry about paying extra just to keep your card active.

03

Free additional card

Get a free supplementary card and earn even more cashback with a family member or friend.

Card Benefits

More rewards with additional card

Earn more cash-back by adding another cardholder for free.

Worldwide customer service

24/7 emergency support anywhere in the world.

Exclusive discounts with my favourite brands

Save up to 20% on car rentals at participating National Car Rental and Alamo Rent A Car locations. Plus, get a 15% admission discount for Cirque du Soleil shows in Canada and a 20% discount for resident shows in Las Vegas.

Card Insurance

Purchase protection

Shop confidently with Purchase Security Insurance which provides up to 90 days of coverage against theft or damage of covered items from the date of purchase.

Extended warranty

Extended Warranty Insurance by BMO doubles the original manufacturer’s warranty to a maximum of 1 additional year.

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