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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

This card is for you, if...

  • want a credit card with no annual fee.

  •'d love to earn unlimited cash credits.

  • want savings on gas and car rentals.

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 it2
  • Triple your cash back:

    1.5% CashBack at all Shell locations in Canada3

Fees and Rates:

  • No Annual fee
  • 19.9% Interest rate

A fun, free 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 fee1
  • Earn cash by using your MasterCard: With 0.5% CashBack on every purchase, spending $4,000 a year gives you a $20 rebate on your BMO MasterCard account (No limits on the amount you can earn).2
    See how much CashBack you can earn with this no fee CashBack credit card.
  • 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 year3
  • Triple your cash rebate with 1.5% CashBack4 – and get up to 25% off rentals5 – 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)
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

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.

Cardholder Agreement
A detailed explanation of your rights and responsibilities as a BMO MasterCard cardholder.

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.

Ready to apply?

5 easy steps, only 5 minutes, safe & secure
In person
Make an appointment at your local branch
  • Call 1-800-263-2263
    Mon-Sat: 8a.m. - 12a.m. (ET)
    Sun: 10a.m. - 12a.m. (ET)
  • Lost or stolen card?
  • Find a branch near you