USYou're on B M O U S website
USYou're on B M O U S websiteEarning cash back has never been more rewarding!
Earn $200 cash back when you spend $2,000 in the first three months of account opening when you apply between May 4 and June 30, 2026. footnote 1 Plus, enjoy low intro APR on purchases.
Received a credit card offer in the mail? Apply now
Apply and get a response in 60 seconds
Get more from every dollar you spend. This card also includes mobile theft and damage protection.
Earn 5% cash back on eligible streaming, cable TV and satellite services footnote 1
Earn 3% cash back on eligible gas, EV charging and grocery purchases footnote 1Footnote dagger
Earn unlimited 1% cash back on all other eligible purchases footnote 1
Footnote dagger details Up to $1,500 in gas, EV charging and grocery purchases each calendar quarter and One times on all purchases after that
Your card offers a wide range of benefits, from cellphone protection to reliable road side assistance.
Receive up to $400 in coverage when using your BMO Cash Back Credit Card to pay your monthly cell phone bill footnote 2
We will double the original manufacturer’s (or U.S. store brand) warranty for up to an additional 12 months of coverage on most new items footnote 3
With Master RoadAssist® Roadside Service, get help with jump-starts, tire changes, towing and even gas delivery, whenever you need it. footnote 3
Annual feeFootnote star
Purchase APRFootnote star
0% introductory APR on purchases for 12 months from account opening date. After that, a variable APR applies, currently 19.49% to 27.49%, based on your creditworthiness.
Balance transfer APRFootnote star
0% introductory APR footnote 4 on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 19.49% - 27.49%, based on your creditworthiness.
5% cashback on streaming, cable TV and satellite services footnote 1
3% cash back on gas, EV charging, and grocery purchases footnote 1 footnote dagger
1% cash back on all other eligible purchases footnote 1
footnote dagger details Up to $1,500 in gas, EV charging, and grocery purchases each calendar quarter and one times on all purchases after that.
Discover a new way to pay smarter. Break eligible purchases into more manageable payments with a fixed monthly fee. footnote 5
Apply and get a response in 60 seconds or less.
Mastercard ID Theft Protectiontrademark Identity Monitoring footnote 6 Mastercard ID Theft Protectiontrademark Resolution Services footnote 6 Mastercard Zero Liability footnote 7
Enjoy access to unique experiences across the globe with Priceless Cities®, exclusive for Mastercard cardholders. Pay with your smartphone using Apple Pay®, Google Paytrademark and Samsung Paytrademark.
Check your balance, pay your bills and track your spending all in one place and make the most of your credit card by taking advantage of special features and money management tools.
Get a consolidated view of your BMO and non-BMO financial information with a personalized command center.
Get no-fee, no-impact access to your credit score. footnote 8
Track spending, receive real-time updates, and manage your card with custom alerts and notifications — all in one place.
Once you've received your card, just give us a call to activate it.
If you have a BMO Platinum Credit Card, a BMO Platinum Rewards Credit Card, BMO Cash Back Credit Card or BMO Boost Secured Credit Card, call 1-855-825-9237.
If you have a BMO Premium Rewards Credit Card or a BMO Escape Credit Card call 1-855-825-9238.
Streaming services are providers of entertainment delivered via the internet to TV’s, computers and mobile devices. Some examples of these providers could include: Netflix, Peacock, Roku, Paramount+, Hulu, Disney+, ESPN+, Sling TV, Spotify, Starz, SiriusXM, and Vudu.
The above names are trademarks or registered trademarks of their respective owners and could be changed at any time. The owners of the above marks do not endorse BMO, and are not otherwise affiliated with BMO or any of its related entities. Merchants may not use codes that identify certain transactions as eligible purchases. Further, not every purchase you make at certain merchants will qualify as an eligible purchase.
Simply pay your one-time or monthly reoccurring streaming services using your BMO Cash Back Credit Card and earn more rewards than ever.
It’s easy! For every eligible dollar you charge to your BMO Cash Back Credit Card, you automatically earn cash back. Charges that are eligible for cash back include, but are not limited to, airline, restaurant, hotel, car rental, service station, mail and online orders and retail purchases. Payments and cash advances are ineligible for cash back accrual. Learn more about how the BMO Flex Rewards Program works.
To view your available cash back balance, visit bmoflexrewards.com or call the Redemption Center at 1-800-610-8987.
Ready to cash out? Cash back may be redeemed for statement credits that will be applied to the account that earned the cash back. Learn more about redeeming cash back for a statement credit or call the Redemption Center at 1-800-610-8987.
Primary cardholder or co-borrower? You’re in luck. The primary cardholder and the co-borrower (if applicable) are authorized to redeem accumulated cash back.
Great question. You can transfer balances from other credit card accounts to your new BMO credit card account. Please note that you can’t transfer balances from other accounts you have with us. Balance Transfers accrue interest from the date of transaction without a grace period.
Can’t find your card? No worries, we’ve got you covered.
If you’ve misplaced your card or suspect that it’s been stolen, just let us know. Visit the Lost and Stolen Credit Card Page to learn more.
Stop by your nearest branch to chat about credit card options.
We’ll reach out by phone or email at a time that’s convenient for you.
Footnote 1 details Participation in BMO Flex Rewards is subject to terms and conditions found in BMO Flex Rewards Program Rules. The Account must be current and in good standing to accrue and redeem points or cash back, as applicable. While points and cash back don’t expire, if the Account is closed for any reason, the Account will no longer be able to accrue points or cash back. All accrued points or cash back not redeemed will be available for redemption for 90 days as long as the Account is closed in good standing. All cash back is redeemable in the form of a statement credit. The introductory rewards bonus is based on total net qualified purchases made in the first three months of account opening and rewards will be awarded to qualifying Accounts 3 - 4 weeks after the conclusion of the three month period.
Footnote 2 details Coverage provided under a group insurance policy issued by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. Coverage for a stolen or damaged eligible cellular wireless telephone is subject to terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $400 per claim for BMO Cash Back Credit Card, and $600 per covered card per 12-month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per covered card per 12-month period. The monthly bill associated with the phone must be paid with the eligible card for coverage to be effective. Refer to the Mastercard Guide to Benefits for more information.
Footnote 3 details Certain terms, conditions, and exclusions apply. Extended Warranty, Master RoadAssist and MasterRental®are underwritten by New Hampshire Insurance Company, an AIG company. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Mastercard Guide to Benefits for more information.
Footnote 4 details You can request to transfer balances from credit card accounts that you have with other credit card issuers. By submitting your Balance Transfer request you agree that the terms and conditions of your Cardholder Agreement apply to all balances transferred. Please refer to the Summary of Credit Terms for important information about rates and fees.
Footnote 5 details BMO PaySmart installment plans allow cardholders to repay specific eligible purchases in equal monthly payments over a defined repayment schedule. When you create a PaySmart Plan, it will be subject to a fixed monthly fee of up to 1%. The exact fee will be based on the purchase amount and the duration of the plan, which will be disclosed when the plan is created. The monthly plan fee will remain the same until the PaySmart Plan is paid in full. Review the Terms and Conditions.
Footnote 6 details Certain terms, conditions, and exclusions apply. Call 1-800-Mastercard for assistance. Additional details are provided in the BMO Mastercard Guide to Benefits, which is available at: https://www.bmo.com/en-us/pdf/credit/consumermcgtb.pdf.
Footnote 7 details Pay only for purchases that you have authorized on your Mastercard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Learn more: http://www.mastercard.us/zero-liability.html.
Footnote 8 details CreditView and its features, Score Simulator and Credit Education, are provided by TransUnion® for educational purposes only. You should consult with your own financial team for more information about credit score.
Footnote star details Access Summary of Credit Terms for rate and fee information.
Apple and Apple Pay®are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Play and the Google Pay are trademarks of Google LLC.
Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd
Mastercard, the Mastercard Brand Mark, Mastercard®ID Theft Protection®, Master RoadAssist®, MasterRental®, PRICELESS CITIES®and the circles design are trademarks of Mastercard International Incorporated.
