BMO CashBack® World Elite®* Mastercard®*

Welcome offer
10% discount on annual fee
Applications must be received between September 2, 2022 and July 31, 2023, to receive the 10% cash-back welcome bonus offer. The 10% earn rate applies to eligible purchases up to $2,600 in the welcome offer period, with a maximum of $260 cash back. You can't earn cash back on refunds, cash advances, cash-like transactions, and interest charges. BMO CashBack® World Elite®* Mastercard®* applications must be received between June 1, 2022 and July 31, 2023 to be eligible for the first-year annual fee waiver offer.
20.99% Purchase
23.99% Cash advance
5% of interest rate
†Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of June 1, 2022.
$120 Main cardholer
Waived for the first year
$50 Additional card


Enter your total monthly expenses or by category

Bills & Utilities
Public Transportation
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 up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*

Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.* The 10% cash back earn rate applies to eligible purchases up to $2,600 (up to $500 in eligible grocery purchases, up to $300 in transit, up to $300 in gas and EV charging, up to $500 in eligible recurring bill payments and up to $1,000 from any other qualifying purchase.

Get the highest cash back earn rate on groceries in Canada.*

The BMO CashBack® World Elite®* Mastercard®* offers the highest cash back earn rate on groceries in Canada.* With this card, you can earn 5% cash back on groceries purchased at any store in Canada. This is a great card for anyone who wants to earn cash back on their grocery purchases.

Personal cash back travel card with comprehensive insurance

This personal World Elite® travel credit card comes with an incredibly high cash back of 5% on grocery purchases and comprehensive travel insurance, which makes it perfect for the frequent traveler and grocery shopper.


80 000



Auto Rental coverage

The rental car coverage will protect you from damage to or theft of a rental vehicle of MSRP up to $65,000 with a maximum rental period of up to 48 consecutive days.


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.


Travel accident

Travel accident insurance that comes with BMO CashBack® World Elite®* Mastercard®* offers up to $500,000 per covered individual if they are injured or die while traveling on a common carrier such as a plane, car service, train, or cruise ship.

Flight delay

The BMO CashBack® World Elite®* Mastercard®* provides Flight Delay insurance, so if your flight is delayed for 6 hours or more, you are eligible for $500 per account per trip coverage.


Medical emergency

In case of an unexpected medical emergency, you are covered for up to $2,000,000 for up to 8 consecutive trip days. So you can focus on recovering while Allianz handles the bills.



VIP Airport lounge pass

As the BMO CashBack® World Elite®* Mastercard®* cardholder, you are eligible for cheaper airport lounge passes for a $32 fee per visit only. Get access to over 1,300+ lounges worldwide through the Mastercard Travel Pass program.


Concierge service

With BMO concierge service, you can receive personalized travel planning assistance and assistance with event tickets and restaurant reservations.


Worldwide customer service

BMO cards come with 24/7 customer 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.


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