BMO CashBack® Mastercard®*
Enjoy the most cash back on groceries in Canada without paying an annual fee*
* Based on a comparison of the non-promotional grocery rewards earn rate on cash back credit cards with no annual fee as of August 20, 2024.
So good, it’s award-winning
Our BMO CashBack Mastercard has received nation-wide recognition.
Winner of the 2024 Hardbacon Best Cash Back Credit Card
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
Fill up on savings
Get up to 7 cents off per litre on Shell fuel®, only for BMO cardholders.101
BMO CashBack® calculator
Estimate your monthly spending
Groceries (3% cash back) Footnote 2C
Recurring bill payments (1% cash back) Footnote 2B, Footnote D, Footnote E
Other spending: (0.5% cash back) Footnote 2E
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
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 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool.25
Get 20% off admission to Cirque du Soleil shows touring Canada48, and 15% off resident shows in Las Vegas.49
- Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada.98
- Zero Liability safeguards you if there is any monetary loss resulting from fraudulent card use.
- Mastercard Identity Check™* adds another layer of security to protect you when you shop online.
- BMO Alerts help confirm your transactions are really yours. They keep an eye on things like large purchases and suspicious activity.
Check out these other options you can add on:
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.
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:
Log in to the www.bmocashback.com
or
Check your cash back balance on your monthly BMO credit card statement.
or
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:
- Choose an eligible credit card purchase you’d like to convert into a PaySmart plan.
- Go to the Installment Plan tab and click the Create button.
- Select the plan that works best for you.