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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

BMO CashBack MasterCard

It's a win-win: Pay no fee and get CashBack® with every credit card purchase.



    Earn cash just by using your credit card.


    ON GAS

    More CashBack on gas – plus, savings on car rentals.



    Pay no annual fee - and we don't just mean in the first year.

The BMO® CashBack® MasterCard®* gets you:

0.5% Cash rebate - An annual cash rebate back to your credit card account
$1 cash back for every $200 you spend on your credit card – with no limits or restrictions on how you spend it1

Triple your cash back
1.5% CashBack at all Shell locations in Canada2

Fees and Rates:

No Annual fee3
19.9% Interest rate

How much CashBack can I earn each year?

Card Details

An easy, automatic way to reward yourself with CashBack on every purchase you make with your credit card! The more you spend, the more you earn – no limits or restrictions on your cash rebate.

Pay no annual fee3

Earn cash by using your MasterCard
With 0.5% CashBack on every purchase, spending $4,000 a year gives you a $20 rebate to your credit card!1

Free extended warranty and purchase protection
Items bought with your credit card are automatically insured against theft for 90 days. And save the cost of buying extended warranty insurance – you're already covered4

More ways to earn CashBack sooner
  • Earn even more CashBack on gas with 1.5% CashBack at all Shell locations in Canada. Spending $100 a week on gas means you get back more than $75 at the end of the year on your BMO MasterCard2
  • Triple your cash rebate with 1.5% CashBack5 – and get up to 25% off rentals6 – at National Car Rental & Alamo Rent A Car locations worldwide
  • FREE additional no fee CashBack credit cards (earn even more cash back by adding a cardholder to your account)

    Insurance and Protection

    Feel protected wherever you are — with the exclusive insurance and protection that comes with your BMO CashBack MasterCard:

    Extended Warranty

    • Save the cost of buying optional extended warranty insurance on your next purchase by paying with your BMO credit card. This coverage doubles the original manufacturer's warranty period up to a maximum of one additional year.
    Download insurance certificate (PDF) for full-coverage details.

    Purchase Protection

    • Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase.
    Download insurance certificate (PDF) for full-coverage details.

    Zero Dollar Liability

    • In case the unexpected should happen, enjoy free protection from both theft and the fraudulent use of your card. If your card is used without your authorization, you will not be liable if you notify us within 24 hours (among other criteria).

      Show criteria

    Help Around the World and Lost or Stolen Card Replacement Funds from
    MasterCard Global Service®*

    Enjoy peace of mind when travelling around the world. You can call us 24 hours a day, 365 days a year and we'll connect you with a representative who speaks your language, and can help with:

    • Lost or stolen cards
    • Emergency replacement cards or up to $1,000 in emergency funds
    • Locate an ATM, and more

    Additional Protection and Travel Insurance Options

    The Fine Print

    To save you time, here's a convenient page of resources that outlines everything you need to know about your
    BMO CashBack MasterCard terms, costs, cardholder rights and benefits.

    Important Information on Rates and Fees

    • Key information about your BMO CashBack MasterCard, such as the latest fees, interest rates, grace period, minimum payment, foreign currency conversion, and more.
    Download important information (PDF) for full details.

    Cardholder Agreement

    • A detailed explanation of your rights and responsibilities as a BMO MasterCard cardholder.
    Download cardholder agreement (PDF) for full details.

    BMO CashBack Rewards Terms and Conditions

    • This guide outlines in detail terms and conditions governing your BMO CashBack MasterCard rewards.
    Download terms and conditions (PDF) for full details.


    • A detailed explanation of the specific rules and provisions (including key features and insurance) that govern your BMO CashBack MasterCard.


      Every BMO MasterCard® comes loaded with valuable features.



      We offer additional insurance coverage options to take the worry out of your trips.



      Feel protected wherever you are with the exclusive security features that comes with your BMO MasterCard.

    Ready to apply?