BMO® SPC®** CashBack® Mastercard®*
Get 1% cash back on all credit card purchases2B See how it works:
- Spend$500monthly on card purchases2B
- Earn$60cash 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 card37
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 moreabout Chip technology - Zero Liability
Our policy which protects you from unauthorized use.
Learn moreabout Zero Liability - Mastercard SecureCode®*
An added layer of security to protect you when you shop online.
Learn moreabout Mastercard SecureCode
Other features you can add
Identity Theft Assistance
Learn more about Identity Theft AssistanceCreditDefence®†#
Learn more about CreditDefenceBMO Credit Card Balance Protection41
Learn more about BMO Credit Card Balance ProtectionBMO Roadside Assistance19
Learn more BMO Roadside Assistance
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- Important Information on Rates and FeesKey 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 AgreementA detailed explanation of your rights and responsibilities as a BMO Mastercard cardholder. Download PDF for full details
- BMO CashBack Terms and ConditionsThis guide outlines in detail terms and conditions governing your BMO SPC CashBack Mastercard rewards. Download PDF for full details
BMO CashBack Mastercard
BMO AIR MILES World Elite Mastercard
BMO World Elite Mastercard
BMO AIR MILES Mastercard
BMO CashBack World Elite Mastercard
BMO Preferred Rate Mastercard
BMO Rewards Mastercard
BMO SPC CashBack Mastercard
BMO SPC AIR MILES Mastercard
BMO U.S. Dollar Mastercard
BMO Prepaid Travel Mastercard
BMO CashBack World Mastercard
BMO AIR MILES World Mastercard
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THIS CARD IS FOR YOU IF YOU WANT TO
Earn cash back and redeem the way you want2B
Earn AIR MILES at our highest rate and redeem Miles for travel, merchandise and more24
Earn BMO Rewards points at our highest rate and redeem points for travel, cash, gift cards merchandise and more24
Earn AIR MILES and redeem Miles for travel, merchandise and more24
Earn cash back at our highest rate and redeem the way you want2B
Save on interest charges with our lowest rate8.
Earn BMO Rewards points9B and redeem points for travel, cash, gift cards, merchandise and more
Earn cash back and redeem the way you want2B
Get SPC Discounts
Get SPC Discounts
Earn AIR MILES and redeem Miles for travel, merchandise and more24
Get SPC Discounts.
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 want2B
Earn AIR MILES faster and redeem Miles for travel, merchandise and more24
ANNUAL FEE
No annual fee8
$1208
$1508
No annual fee8
$1208
$208
No annual fee8
No annual fee8
No annual fee8
U.S. $358
$6.958
$798
$998
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 year1
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 points1A
4% cash back on every purchase††
US$35 annual fee rebate after spending $1,000 in the previous year21
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REWARD RATE
1% Cash Back2B
1 Mile for $1016B
Then get 2x the Miles for every $20 spent at participating AIR MILES Partners16C
Get 1 Mile for every $20 spent everywhere else16B.
Get 1 Mile for every $20 spent everywhere else16B.
1.5% cash back2B
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1 BMO Rewards point for $19B
1% Cash Back2B
1 Mile for $2016B
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1.25% cash back2A
1 Mile for $1516A
BONUS REWARDS
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Earn 2 Bonus points10A at National Car Rental and Alamo Rent a Car
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Earn double points10B at National and Alamo Rent a Car
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Earn 3% cash back at Shell20
AIRPORT LOUNGE ACCESS
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Priority Pass membership, plus two annual complimentary passes26B
Priority Pass membership, plus four annual complimentary passes26A
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INSURANCE
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Comprehensive Travel and Medical Protection up to 15 days36
Total Travel and Medical Protection up to 21 days46
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RATES