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.
EARN BONUS CASH
More CashBack on gas – plus, savings on car rentals.
NO ANNUAL FEE
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?
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
- 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:
- 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.
- Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase.
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).
If your card is used without your authorization, you will not be liable if: you did not contribute to the unauthorized use; you used reasonable care to safeguard your card and PIN; you notify us by telephone within 24 hours if you learn of the loss, theft or misuse of your card or cheques, or after you suspected that someone else knows your PIN; you have not reported two or more unauthorized transactions in the last 12 months, and your account is in good standing. If you don't meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use.
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
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.
- A detailed explanation of your rights and responsibilities as a BMO MasterCard cardholder.
BMO CashBack Rewards Terms and Conditions
- This guide outlines in detail terms and conditions governing your BMO CashBack MasterCard rewards.
- 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.