BMO CashBack®  World Elite®* Mastercard®*

Get a response in under 60 seconds!

  • Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year1

  • Earn 5% cash back on groceries8,
    4% on transit10, 3% on gas11, 2% on recurring bill payments12 and 1% unlimited cash back on all other purchases.13

  • Get the highest cash back earn rate on groceries in Canada9 and redeem your cash back any time and for as little as $1.

  • Complimentary Roadside Assistance Program2

Annual fee3
Cash advances3
(21.99% for Quebec residents)3
  1. Minimum $80,000 (individual) or
  2. $150,000 (household) annual income.

Rewards Calculator

How much do you spend on your credit card each month?


Earn more cash back on the categories that mean the most:

  • 5% on groceries8
  • 4% on transit including ride sharing, taxis and public transportation10
  • 3% on gas and electric vehicle charging11
  • 2% on recurring bill payments like your monthly phone bill or favourite streaming services12
  • 1% unlimited cashback on all other purchases13

Rewards summary

First Year Welcome Bonus
cash back

Total Cash Back Earned
1st Year
  • Use of the cash back calculator is for illustrative purposes only. The calculation reflects 15% of monthly spend on eligible grocery, 10% on eligible transit, 10% on eligible gas & electric vehicle charging, 15% on eligible recurring bill payments and 50% of spend on all other card purchases. Values displayed as May 3, 2021.

Enjoy more credit card benefits and earn extra rewards