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BMO® CashBack® MasterCard®*

Cash Rebates With No Annual Fee. Get 1.0% CashBack on ALL card purchases, with no restrictions.
Get 1.0% CashBack on ALL card purchases2B, with no restrictions.
19.99% for Purchases8
22.99% for Cash Advances8
No Annual Fee8

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Receive a discount on car rentals


When you use your card to rent a car at participating National Car Rental and Alamo Rent A Car locations, you’ll receive up to 25% discount25.

Additional cards


Add an additional cardholder to your credit card account for FREE and earn even more CashBack.

Worldwide Acceptance


Use your card at nearly 30 million locations worldwide, providing you with more buying power every time you use your card.



Credit Card Benefits

Explore our world-class features that save you time and money.

Credit Card Benefits


Earn unlimited cash back to your credit card on every purchase you make — with no limits or restrictions.

Earn 1% CashBack on all purchases

1.0% CashBack on all purchases2B, with no limits or restrictions on how you spend it. With a $500 monthly spend you get an annual CashBack rebate of $60

More Savings on the Road

Get up to 25% off rentals at National Car Rental ®#† and Alamo Rent A Car ®#† at participating locations25

Features of Every Card

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 year7.

Purchase Protection

Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase7.

Zero Dollar Liability30

Get free protection from both theft and fraudulent use of your card. 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

Whether you've left your wallet in the airport or are lost in Paris and need to locate an ATM, you can call us 24 hours a day, 365 days a year. We'll connect you with a representative who speaks your language, and can help with:

  • Lost or stolen cards23
  • Emergency replacement cards or up to $1,000 in emergency funds23
  • Locate an ATM that accepts MasterCard, Maestro®*, and Cirrus®* brands
  • Access account-related information
  • Access any applicable card benefits

Safety & Security

Use your card with confidence, knowing you're always protected.

Travel Services

Get around-the-clock coverage, whether you're in Canada or abroad.

Global Access

Make purchases or access your funds, no matter where you are.


Terms, agreements, rates, and fees

Important Information on
Rates and Fees


Key information about your BMO MasterCard, such as current fees, interest rates, grace period, minimum payment, foreign currency conversion and more.


BMO MasterCard 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 CashBack World Elite MasterCard rewards.



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24/7 Help & Support

General Credit Card Live Support:

Call 1-800-263-2263


Make an appointment


Lost or Stolen Cards:

Call 1-800-361-3361 from North America,
or call collect 514-877-0330 internationally


(TTY 1-866-859-2089)

  • ® BMO Is a registered trademark of Bank of Montreal.
  • TM BMO Is a registered trademark of Bank of Montreal.
  • ®* MasterCard is a registered trademark of MasterCard International Incorporated. Used under license.
  • ®† AIR MILES is a trademark of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and Bank of Montreal.
  • ®†# IDefence® is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.
  • TM†# IDefence PlusTM is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.
  • TM†#CreditDefence™ is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.