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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

BMO CashBack World MasterCard

Our biggest cash rebate – 1.25% back to your credit card – turns everyday purchases into cash rewards.

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  • CASHBACK REWARDS

    CASHBACK REWARDS

    Earn cash just by using your credit card

  • HELP ON THE ROAD

    HELP ON THE ROAD

    Get free roadside assistance

  • TRAVEL PROTECTION

    TRAVEL PROTECTION

    Feel protected anywhere with the exclusive travel insurance that comes with your BMO MasterCard

The BMO CashBack World MasterCard gets you:

Our biggest cash rebate
Get an annual cash credit on your account – $1.25 CashBack® for every $100 in credit card purchases – with no limits or restrictions on how you spend it1

Free roadside assistance
No need to buy other coverage (a $69/year value)2

BMO World MasterCard Travel Protection:
Coverage for car rental collision damage, flight delay & baggage insurance and more 3

Fees and Rates:

$79 Annual fee
19.9% Interest rate

How much CashBack can I earn each year?

Card Details

Reward yourself with cash back to your credit card on every purchase you make! The more you spend, the more you
earn – with no limits or restrictions on your cash rebate.

Earn cash by using your MasterCard
With 1.25% CashBack on every purchase, spending $10,000 a year gives you a $125 rebate to your credit card!1

Get FREE help on the road with BMO Roadside Assistance
Save yourself the cost of buying alternative coverage: Includes battery boosts, flat-tire change, lock-out service and towing (a $69/year value)2

Travel worry-free

  • We've got you covered for car rental collision damage, flight delays, baggage loss, and more 3
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

Dining and Entertainment Reservations and Recommendations
  • 24/7 access to BMO Concierge Service by calling 1-800-741-6758.

More ways to earn CashBack sooner
  • Earn even more CashBack on gas with 3% CashBack at all Shell locations in Canada. Spending $100 a week on gas means you get back more than $150 at the end of the year on your BMO MasterCard4
  • 3% CashBack5 – and get up to 25% off rentals6 – at National Car Rental & Alamo Rent A Car locations worldwide
    • Add an additional cardholder to your BMO MasterCard account (and earn even more CashBack) for only $15/year

    Insurance and Protection

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

    BMO World MasterCard Travel Protection*

    • You and your family are well covered should an emergency or unexpected event disrupt your trip. This protection includes coverage for car rental collision damage, flight delay & baggage insurance and more.
    Download insurance certificate (PDF) for full-coverage details.

    BMO Basic Roadside Assistance

    • Take worry-free road-trips anywhere in Canada or mainland U.S. With this roadside service, you're one phone call away from whatever emergency service you may need: four service calls a year, up to 10 km towing, battery boosts, flat-tire change, winching and lock-out service. (Additional cardholders free)2
    Download insurance certificate (PDF) for full-coverage details.

    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 World® MasterCard terms, costs, cardholder rights and benefits.

    Important Information on Rates and Fees

    • Key information about your BMO CashBack World 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

    BMO CashBack Rewards Terms and Conditions

    Footnotes

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

    • INCLUDED FEATURES

      INCLUDED FEATURES

      Every BMO MasterCard® comes loaded with valuable features.

    • OPTIONAL COVERAGE

      OPTIONAL COVERAGE

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

    • ADDITIONAL SECURITY

      ADDITIONAL SECURITY

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

    Ready to apply?