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Cash Back Credit Cards


BMO CashBack Mastercard

BMO CashBack® Mastercard®*

Get a response in under 60 seconds!

  • Welcome offer: Get 5% cash back in your first 3 months.1

  • Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.8

  • Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!2a,2b,2c,2d

  • No Annual Fee Credit Card.4

  • Enjoy the most cash back on groceries in Canada without paying an annual fee.†

Annual fee4
  $0
Purchases4
 21.99%
Cash advances4
 23.99%
(21.99% for Quebec residents)4
BMO CashBack World Elite Mastercard

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 earn an additional $75 cash back bonus when you spend $25,000 in your first year. Plus, the $120 annual fee is waived in the first year.5

  • Earn 5% cash back on groceries9,
    4% on transit11, 3% on gas12, 2% on recurring bill payments13 and 1% unlimited cash back on all other purchases.2a

  • Get the highest cash back earn rate on groceries in Canada10 and redeem your cash back any time and for as little as $1.

  • 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.3

  • Complimentary Roadside Assistance Program.7

Annual fee4
  $120
Purchases4
 21.99%
Cash advances4
 23.99%
(21.99% for Quebec residents)4
Minimum $80,000 (individual) or $150,000 (household) annual income required.

Rewards Calculator


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$0
$5,000
BMO CashBack Mastercard

BMO CashBack® Mastercard®*

Rewards summary
First Year Welcome Bonus
$0 cash back
Total Cash Back Earned
$0 1st Year
Get 3% cash back on grocery purchases.2b
Get 1% cash back on recurring bill payments.2c
Get 0.5% cash back on all other purchases.2d
  • Use of the Rewards calculator is for illustrative purposes only. The calculation reflects 20% of monthly spend on eligible grocery, 10% on eligible recur bill payments, and 70% of the spend on all other card purchases. Values displayed as of May 13, 2025.
BMO CashBack World Elite Mastercard

BMO CashBack® World Elite®* Mastercard®*

Rewards summary
First Year Welcome Bonus
$0 cash back
Total Cash Back Earned
$0 1st Year
Earn more cash back on the categories that mean the most:
  • 5% on groceries9
  • 4% on transit including ride sharing, taxis and public transportation11
  • 3% on gas and electric vehicle charging12
  • 2% on recurring bill payments like your monthly phone bill or favourite streaming services13
  • 1% unlimited cashback on all other purchases2a
  • 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 of May 13, 2025.

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Important Information on Rates and Fees

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