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BMO CashBack® Mastercard®*

Enjoy the most cash back on groceries in Canada without paying an annual fee*

Welcome offer

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Our BMO CashBack Mastercard has picked up a few awards

Winner of the 2021 Finder Best Cash Back Credit Card

Winner of the 2022 Milesopedia Best Cash Back Card with No Annual Fee

Winner of the 2021 creditcardGenius®  Best Balance Transfer Credit Card

Turn everyday purchases into cash rewards

3% cash back

On grocery purchases, so you can earn more on your favourite foods and the essentials.2B,C,E

1% cash back

On recurring bill payments such as streaming services, subscriptions or monthly utilities.2B,D,E

0.5% cash back

On all other purchases, so you earn every time you spend.2B,E

Cashing in on your cash back

  • Your cash back rewards never expire as long as your account is open and in good standing
  • No waiting! Redeem your cash back any time you want for as little as $1
  • Set up an automatic deposit whenever you reach a certain amount, starting at $25
  • Enjoy the flexibility to put your cash back where you want:
    • Statement credit
    • BMO chequing or savings account
    • InvestorLine

BMO CashBack® Mastercard®*

Ready to start earning more every day, everywhere? Here’s what you need to know.

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    annual fee8

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    for purchases8

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    for cash advances8

BMO CashBack® calculator

Find out how much cash back you can earn with the BMO CashBack® Mastercard®*

Estimate your monthly spending

Groceries (3% cash back) Footnote 2C

3% cash back on eligible grocery purchases up to a maximum of $500 spent per statement cycle period
Slider increases or decreases the dollar amount based on the direction it is moved in
$500
$0$5,000

Recurring bill payments (1% cash back) Footnote 2B, Footnote D, Footnote E

1% cash back on eligible recurring bill payments up to a maximum of $500 spent per statement cycle period
Slider increases or decreases the dollar amount based on the direction it is moved in
$500
$0$5,000

Other spending: (0.5% cash back) Footnote 2E

0.5% unlimited cash back on all other purchases
Slider increases or decreases the dollar amount based on the direction it is moved in
$500
$0$5,000

Estimated yearly rewards

Total cash back in your first year0

Including up to 5% cash back on every purchase in your first 3 months.‡‡

Redeem your cash back whenever you want, or simply set up recurring deposits and get rewarded automatically.51

  • Deposit it into your BMO chequing or savings account
  • Put it into your InvestorLine account
  • Use it as a credit on your monthly statement
Use of the cash back calculator is for illustrative purposes only. Values displayed valid as of May 1, 2020.

Digital features and security at your fingertips

Give your financial health a boost with online and mobile banking tools. Enjoy more control over your credit card and a better understanding about how you’re using it.

  • Safety and security

    Can’t find your card? No worries, you can lock it, unlock it or report it lost or stolen at any time.

  • Financial insights

    Stay on top of your spending with a personalized look at your money.

  • Credit score

    Get free, 24/7 access to CreditView with no impact to your credit score.

  • Detailed transaction view

    Get a detailed view of when and where you made your purchases on the BMO mobile app.

  • Earn even more cash back when you add another cardholder for free.8

  • Shop confidently with an extended warranty and purchase protection.37

  • Save up to 25% off rentals at participating National Car Rental and Alamo Rent a Car locations.25

  • Get 15% off admission to Cirque du Soleil shows touring Canada48, and 20% off resident shows in Las Vegas.49

B M O Cashback Mastercard

BMO PaySmart™ Installment Plans

Live now, pay smarter with a BMO PaySmart plan by turning your credit card purchases into smaller, monthly payments at a low cost.

Learn More

Ready to apply?

Start earning and redeeming cash back now.

We'll respond in under 60 seconds.

Frequently asked questions

  • When you make a purchase at a grocery store or supermarket that sells a complete line of food products (think vegetables, ice cream and everything in between), you can earn 3% cash back up to a limit of $500 spent for a given statement period.2C

    Convenience stores, general merchandise stores, bakeries, butchers and other speciality shops are excluded from this offer (those purchases will earn the base rate of 0.5% cash back).

  • Recurring (or ongoing) bill payments are made on a regular basis – your monthly Internet bill, for example. The merchant (in this example, your Internet service provider) automatically bills your card each month. This sort of automatic bill payment made with your BMO® CashBack® Mastercard®* may be eligible for 1% cash back (0.5% base rate, plus 0.5% bonus up to $500 spent for each statement period).2D

    Not all merchants offer recurring payments, and not every recurring bill payment will earn the bonus cash back, so check with your providers to find out how they are processing your bill payment.

  • It’s easy! There are three simple ways to see how much you’ve earned:

    1. Log in to the www.bmocashback.com

      or

    2. Check your cash back balance on your monthly BMO credit card statement.

      or

    3. Check your cash back balance when you log in to BMO Online Banking or the BMO Mobile Banking app.

    To help you keep tabs on your cash back activity, your Online Statement shows you how much you’ve earned, up to the billing date. Any cash back earned after the billing date will be included in your next month’s statement.

    • You can redeem your cash back for as little as $1 by visiting www.bmocashback.com. You can also setup recurring redemptions for as little as $25. You have the option to redeem your cash back right into your BMO chequing or savings account, or as a statement credit on your BMO CashBack Mastercard.
    • To get direct deposits, you’ll need a BMO chequing, savings or InvestorLine account.
  • You’ll need to share a few things to open an account online, including your name, date of birth, contact info, SIN, address, employment status, income source(s), and rent or mortgage amount. The better picture we have of your financial health, the faster we can let you know if your application has been approved.

  • There are a few requirements you need to meet to apply for a credit card with us.

    • Be a Canadian citizen or permanent resident
    • Have not declared bankruptcy in the past seven years
    • Have reached the age of majority in the province in which you live (18 years in AB, MB, ON, PE, QC and SK. 19 years in all other provinces)
    • Meet minimum income requirements
  • Yes. We’re committed to protecting your confidential information and privacy and we continuously employ the latest security software to our sites and apps.

    Additionally, our digital experiences have been upgraded with extended validation (EV) SSL Certificates, which add another layer of protection by identifying our sites and applications as legitimate.

    • If you have an emergency at home or away, you can contact the Mastercard Assistance Centre 24 hours a day: 1-800-247-4623 (within Canada and the U.S.)

    • 1-314-275-6690 (outside North America, call collect)

  • Yes, you can! You’ll be able to set up, manage and review your PaySmart installment plans from your Online Banking account.

    To get started, simply login and follow these steps for recent eligible credit card purchases of $100 or more:

    1. Choose an eligible credit card purchase you’d like to convert into a PaySmart plan.
    2. Go to the Installment Plan tab and click the Create button.
    3. Select the plan that works best for you.
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