BMO SPC®** CashBack® MasterCard®*

BMO SPC®** CashBack® MasterCard®* Just for students: Exclusive SPC discounts + CashBack on every purchase. Get 1.0% CashBack on ALL card purchases, with no restrictions
Just for students: Exclusive SPC discounts + CashBack on every purchase.
Get 1.0% CashBack on ALL card purchases2B, with no restrictions
19.9% Interest Rate 8
$0 Annual Fee 8

Rewards Calculator

 

 

 

 

 

 

 

 

 


   

 

Benefits

 

Enjoy Student Discounts

 

SPC®** discounts of 10% to 15% at hundreds of your favourite stores.

We've Got You Covered

 

Credit card purchases are insured against theft or damage for 90 days40. You're also covered against unauthorized usage30.

Worldwide Acceptance

 

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

Features

 

 

Exclusive Benefits

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

Exclusive Benefits

Ideal for students who
  • Want a credit card with no annual fee
  • Love to get discounts
  • Want to earn CashBack with every card purchase
Annual 1.0 % cash rebate on your credit card

That's $1 back for every $100 you spend — with no restrictions on ALL card purchases2B

Enjoy Student Discounts

SPC®** discounts of 10% to 15% at hundreds of your favourite stores

Designed for Students

No reference letter or parent's signature is needed to apply for this student credit card.

We've Got You Covered

You're covered against unauthorized use of your credit card.30

We`ve Got Your Purchases Covered

Credit card purchases are insured against theft or damage for 90 days.40

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 year40.

 

Note: Purchases made with the BMO SPC CashBack MasterCard: Extended Warranty Plus doubles the original manufacturer’s warranty period up to a maximum of two additional years7.

Purchase Protection

Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase40.

 

Note: Duration is 180 days under Purchase Protection Plus for the BMO SPC CashBack MasterCard

 

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 Terms and Conditions

 

This guide outlines in detail terms and conditions governing your BMO® SPC CashBack® MasterCard®* rewards.

 

 

Can’t find what you’re looking for?

 

Use our easy to use tools and credit card reward calculators to help you find the card that's right for you and your needs.

Use our easy to use tools and credit card reward calculators to help you find the card that's right for you and your needs.

 

 

Help Me Choose

 

Simply select the options you want and we'll suggest credit cards to meet your needs.

 

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Help & Support

General Credit Card Live Support:

Call 1-866-991-4769

 

Lost or Stolen Cards:

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

 

Credit Limit Changes:

Call us at 1-866-991-4769 (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.