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Cashback
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BMO CashBack® Mastercard®*

Welcome offer
5% of cash back
INTEREST RATES
20.99% Purchase
22.99% Cash advance
ANNUAL FEES
$0 Main cardholer
$0 Additional card

REWARD CALCULATOR

Enter your total monthly expenses or by category

🧾
Bills & Utilities
🛒
Groceries
🌮
Food & Dining
🚗
Auto & Transport
💵
Other
💸
Total
$
Net annual rewards the 1st year
This amount is the net value of the rewards that this card will earn in the first year, based on your spending. Our calculation takes into account the welcome offer (if any) and deducts the annual fee (if any).
$
Net annual rewards in subsequent years
This amount is the annual net value of the rewards this card will earn after the first year, based on your spending. If there is an annual fee associated with this card, it is deducted from the total annual rewards.

Welcome offer

Get 5% cash back in your first 3 months

With a cashback rate of up to 5% on all your purchases for the first three months*

Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred*

Benefit from one of the lowest balance transfer introductory rates from any card*. Worldwide acceptance at over 30 million locations*

Special features

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.

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.

Free additional card

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

REQUIREMENTS

630
CREDIT
SCORE
CANADIAN RESIDENCY
REQUIRED INCOME

INSURANCE

🛍

Purchase Security

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.

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 favorite brands

Save up to 25% 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.

SIMILAR CARDS

Low interest
BMO Preferred Rate Mastercard®*
Reward
BMO AIR MILES®† Mastercard®*
Reward
BMO Rewards® Mastercard®*
Cashback
Scotia Momentum® No-Fee Visa* card
Low interest
Scotiabank Value® Visa* card
Cashback
Money-Back Credit Card
Cashback
Tangerine World Mastercard
Cashback
Scotia Momentum® Visa* card
Balance transfer
CIBC Select Visa Card

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