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What's included with your credit card

BMO CashBack^® Mastercard^®*

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Eligibility minimum $80,000 (individual) or $150,000 (household) annual income.

Our BMO CashBack Card and BMO CashBack World Elite Card have received nation-wide recognition.

Winner of the 2026 rates.ca Best Overall Cash Back Card.

2nd Place Winner of the 2026 Credit Card Genius Best Mastercard Credit Card.

Redeem cash back rewards when and how you want them
The new BMO CashBack redemption program makes it easier to reach your cash back goals. We've introduced a range of options so you can choose when and how you redeem your CashBack rewards. We're here to help you get your cash back your way. Visit bmocashback.com
Save on groceries and more with complimentary Instacart+
Get up to 6 months of Instacart+ free with your eligible BMO Credit Card. Plus get up to a $10 monthly Instacart credit.^120,121
Travel & Medical Protection
(BMO CashBack World Elite Mastercard only)Get Collision Damage Waiver benefits on rental cars, 8 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.³⁸
Offers for Digital Everyday Services
Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services. Check out all the offers by visiting mastercard.ca/world
Mastercard Travel Rewards Program
Shop, dine and relax with our partners to unlock Mastercard Travel Rewards cashback offers when you travel and shop with your BMO CashBack World Elite Mastercard outside of Canada. Discover a world of Mastercard Travel Rewards cash rebate offers at traveloffers.mastercard.com
Purchase Protection
Get added protection⁹⁷ – most items bought with your card are automatically insured against theft or damage for 90 days from date of purchase.