BMO Premium CashBack
MasterCard

This card is for you, if...

• 
  ...you love to earn cash just by using your MasterCard.
• 
  ...you want free roadside assistance.
• 
  ...you want added value from your credit card.

The BMO Premium CashBack MasterCard^®* gets you:

• Our biggest cash rebate:

  Get an annual cash credit on your account – $1 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

• Our low interest rate option:

  Reduce your credit card interest charges from 19.5% to 12.9% (for $45/year)³

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.

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

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 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
  
  
  If your card is used without your authorization, you will not be liable if: you did not knowingly contribute to the unauthorized use; you used reasonable care to keep your card safe from loss, theft or misuse; you kept your PIN confidential and separate from your card; you notify us by telephone within 24 hours if you learn of the loss, theft or misuse of your card, or if you know or suspect that someone else knows your PIN; there has not been more than one unauthorized use of your card 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 traveling 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 Premium CashBack^® MasterCard terms, costs, cardholder rights and benefits.

Important Information on Rates and Fees
Key information about your BMO Premium CashBack MasterCard, such as the latest fees, interest rates, grace period, minimum payment, foreign currency conversion, and more.

Billing and Rewards Pricing Policy
Find out about when and how fees and bonus points are applied to your BMO Premium CashBack MasterCard account, along with other pricing details associated with your card.

Cardholder Agreement
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 Premium CashBack MasterCard rewards.

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