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BMO SPC CashBack Mastercard
BMO
®
SPC
®**
CashBack
®
Mastercard
®*
Welcome offer :
Get 4% cash back in your first 4 months
††
Get 1% cash back on all purchases
2B
$0
annual fee
8
19.99%
for purchases
8
22.99%
for cash advances
8
Apply now
for a BMO SPC CashBack Mastercard
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Remove
Benefits
Security
Add-ons
Get 1% cash back on all credit card purchases
2B
See how it works:
Spend
$500
monthly on card purchases
2B
Earn
$60
cash back annually
Your no annual fee card also gets you :
exclusive SPC
®**
discounts from 10% to 15% at hundreds of your favourite stores
exclusive deals and access to concerts, movie premiers, sports events and more with
BMO Extra Deals
purchase protection
and
extended warranty
on most items bought with your card
37
Here are some of the features that keep your card protected:
Chip Technology
Your card is embedded with a PIN-protected microchip for added protection.
Learn more
about Chip technology
Zero Liability
Our policy which protects you from unauthorized use.
Learn more
about Zero Liability
Mastercard SecureCode
®*
An added layer of security to protect you when you shop online.
Learn more
about Mastercard SecureCode
Other features you can add
Identity Theft Assistance
Learn more
about Identity Theft Assistance
CreditDefence
®†#
Learn more
about CreditDefence
BMO Credit Card Balance Protection
41
Learn more
about BMO Credit Card Balance Protection
BMO Roadside Assistance
19
Learn more
BMO Roadside Assistance
Cash back calculator
How much cash back can I get in a year?
How much do you think you’ll spend per month on your card?
$0
Calculate my cash back
Use of the cash back calculator is for illustrative purposes only. Values displayed valid as of
November 1, 2017
.
Your cash back results
$0
total cash back in your first year
including up to 4% cash back on every purchase in your first 4 months.
††
Starting at $50,
redeem your cash back
the way you want:
Deposit it into your BMO chequing or savings account
Put it into your Investorline account
Use it as a credit on your monthly statement
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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.
Download PDF for full details
BMO Mastercard Cardholder Agreement
A detailed explanation of your rights and responsibilities as a BMO Mastercard cardholder.
Download PDF for full details
BMO CashBack Terms and Conditions
This guide outlines in detail terms and conditions governing your BMO SPC CashBack Mastercard rewards.
Download PDF for full details
COMPARE CARDS
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BMO CashBack Mastercard
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for a BMO CashBack Mastercard
BMO AIR MILES World Elite Mastercard
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for a BMO AIR MILES World Elite Mastercard
BMO World Elite Mastercard
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BMO AIR MILES Mastercard
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for a BMO AIR MILES Mastercard
BMO CashBack World Elite Mastercard
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for a BMO CashBack World Elite Mastercard
BMO Preferred Rate Mastercard
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for a BMO Preferred Rate Mastercard
BMO Rewards Mastercard
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BMO SPC CashBack Mastercard
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BMO SPC AIR MILES Mastercard
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BMO U.S. Dollar Mastercard
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BMO Prepaid Travel Mastercard
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BMO CashBack World Mastercard
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BMO AIR MILES World Mastercard
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BMO CashBack Mastercard
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BMO AIR MILES World Elite Mastercard
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BMO World Elite Mastercard
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BMO CashBack World Elite Mastercard
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BMO Preferred Rate Mastercard
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BMO Rewards Mastercard
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BMO SPC CashBack Mastercard
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BMO SPC AIR MILES Mastercard
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BMO U.S. Dollar Mastercard
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Remove all
THIS CARD IS FOR YOU IF YOU WANT TO
Earn cash back and redeem the way you want
2B
Earn AIR MILES at our highest rate and redeem Miles for travel, merchandise and more
24
Earn BMO Rewards points at our highest rate and redeem points for travel, cash, gift cards merchandise and more
24
Earn AIR MILES and redeem Miles for travel, merchandise and more
24
Earn cash back at our highest rate and redeem the way you want
2B
Save on interest charges with our lowest rate
8
.
Earn BMO Rewards points
9B
and redeem points for travel, cash, gift cards, merchandise and more
Earn cash back and redeem the way you want
2B
Get SPC Discounts
Earn AIR MILES and redeem Miles for travel, merchandise and more
24
Get SPC Discounts.
Shop in U.S. dollars. Avoid exchange rate surprises.
Have a secured payment card loaded with your money.
Earn cash back faster and redeem the way you want
2B
Earn AIR MILES faster and redeem Miles for travel, merchandise and more
24
ANNUAL FEE
No annual fee
8
$120
8
$150
8
No annual fee
8
$120
8
$20
8
No annual fee
8
No annual fee
8
No annual fee
8
U.S. $35
8
$6.95
8
$79
8
$99
8
WELCOME OFFER
Get up to 4% cash back on every credit card purchase in your first 4 months.
‡‡
Up to 3,000 Bonus Miles and no annual fee in the first year
†
35,000 BMO Rewards welcome points and no annual fee in the first year
1
Get 500 AIR MILES Bonus Miles
‡
, and 1.99% introductory interest rate on Balance Transfers for 9 months
§
4% cash back on every purchase
**
Get a 3.99% introductory interest rate on Balance Transfers for 9 months.
∆
Up to 20,000 BMO Rewards welcome points
1A
4% cash back on every purchase
††
500 Bonus Miles
†*
US$35 annual fee rebate after spending $1,000 in the previous year
21
N/A
N/A
N/A
REWARD RATE
1% Cash Back
2B
1 Mile for $10
16B
3 points for $1 on eligible travel, dining and entertainment
9A, 9B
2 points for $1 everywhere else
9B
1 Mile for $20
16B
1.5% cash back
2B
N/A
1 BMO Rewards point for $1
9B
1% Cash Back
2B
1 Mile for $20
16B
N/A
N/A
1.25% cash back
2A
1 Mile for $15
16A
BONUS REWARDS
N/A
Earn 2x Miles
17
at National and Alamo Rent a Car
25
Earn 2 Bonus points
10A
at National Car Rental and Alamo Rent a Car
Earn 1.25x Miles at Shell
14
Earn 1.5x Miles
17
at National and Alamo Rent a Car
25
N/A
N/A
Earn double points
10B
at National and Alamo Rent a Car
N/A
Earn 1.25x Miles at Shell
14
Earn 1.5x Miles
17
at National and Alamo Rent a Car
25
N/A
N/A
Earn 3% cash back at Shell
20
Earn 1.25x Miles at Shell
14
Earn 2x Miles
12A
at National and Alamo Rent a Car
AIRPORT LOUNGE ACCESS
N/A
Priority Pass membership, plus two annual complimentary passes
26B
Priority Pass membership, plus four annual complimentary passes
26A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
INSURANCE
N/A
Comprehensive Travel and Medical Protection up to 15 days
36
Total Travel and Medical Protection up to 21 days
46
N/A
Comprehensive Travel and Medical Protection
38
up to 8 days
Roadside Assistance
19
N/A
N/A
N/A
N/A
N/A
N/A
Travel Protection
22
Roadside Assistance
19
Travel Protection
22
Roadside Assistance
19
RATES
19.99%
for purchases
8
22.99%
for cash advances
8
19.99%
for purchases
8
22.99%
for cash advances
8
19.99%
for purchases
8
22.99%
for cash advances
8
19.99%
for purchases
8
22.99%
for cash advances
8
19.99%
for purchases
8
22.99%
for cash advances
8
11.9%
for purchases
8
11.9%
for cash advances
8
19.99%
for purchases
8
22.99%
for cash advances
8
19.99%
for purchases
8
22.99%
for cash advances
8
19.99%
for purchases
8
22.99%
for cash advances
8
19.99%
for purchases
8
22.99%
for cash advances
8
No Interest Rate
8
N/A for cash advances
8
19.99%
for purchases
8
22.99%
for cash advances
8
19.99%
for purchases
8
22.99%
for cash advances
8
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