BMO CashBack® Mastercard®*

Welcome offer
5% of cash back
Your credit card application must be received between September 2, 2022 and July 31, 2023 to qualify for bonus offer. You can earn 5% on grocery purchases, recurring bill payments, and other purchases. You can't earn cash-back on refunds, cash advances, cash-like transactions, and interest charges.
20.99% Purchase
22.99% Cash advance
0.99% of interest rate
The promotional interest rate is not valid on balances transfered from other BMO cards. Balance transfers are not eligible for rewards. Your credit card application must be received between September 2, 2022 and July 31, 2023 to qualify for bonus offer.
$0 Main cardholer
$0 Additional card


Enter your total monthly expenses or by category

Bills & Utilities
Food & Dining
Auto & Transport
Welcome offer
The calculation result is based on the conversion of the welcome offer points into statement credit
Estimated annual rewards
The calculation result is based on the conversion of the maximum number of points that can be awarded after the first year

This card is awesome for a personal user because :

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*

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.





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.



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.


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