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Mastercard0/4 on file
Annual fee: issuer restricts access
BMO · Mastercard

BMO CashBack Mastercard

Cash BackGroceriesRewards

The BMO CashBack Mastercard is a Mastercard from BMO. BMO's site does not let us read its terms, so we leave the annual fee blank — check it on BMO's own site. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: supplementary card fee (Sep 2026), foreign transaction fee (Sep 2026), purchase APR (Sep 2026). Not yet checked with BMO: credit requirement. BMO’s own page is authoritative — confirm anything you rely on there before you apply.

Apply on BMOCompare this card
Opens BMO’s site
Ledger entry

The receipt

Every cost line we hold for the BMO CashBack Mastercard, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
FreeChecked FCAC comparison tool
Foreign transaction
2.5%Checked FCAC comparison tool
Purchase APR
21.99%Checked FCAC comparison tool
Income requirement
Not confirmed
Network
Mastercard
Credit needed
NoneNot yet checked with BMO
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the BMO CashBack Mastercard. That may mean there isn’t one, or simply that we have not recorded it — BMO’s own page is the place to check.

Issuer restricts access — check their site
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the BMO CashBack Mastercard. Rather than print a multiplier we cannot source, this stays blank until BMO’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Complimentary 3 months Instacart+ and $5 monthly Instacart credit
  • Extended Warranty Insurance
  • Purchase Security Insurance
  • Credit Card Balance Protection (optional enrolment)
  • Zero Liability protection
  • BMO Alerts
  • Car rental discounts with Avis, Budget, National, Alamo, Enterprise
  • Cirque du Soleil discount
  • Add another cardholder for free
  • BMO PaySmart installment plans
Next step

Ready to apply for the BMO CashBack Mastercard?

You'll finish the application on BMO's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens BMO’s site
Questions

Questions about the BMO CashBack Mastercard

How much is the BMO CashBack Mastercard annual fee?

We could not verify the BMO CashBack Mastercard's annual fee, so we do not print one. Check the current annual fee on BMO's own site before you apply.

What does the BMO CashBack Mastercard earn?

We could not verify the BMO CashBack Mastercard's earn rates, so we do not print a multiplier. Check them on BMO's own site.

What network is the BMO CashBack Mastercard on?

The BMO CashBack Mastercard runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the BMO CashBack Mastercard available in Canada?

Yes — the BMO CashBack Mastercard is issued by BMO and is available to eligible applicants in Canada. Approval depends on the issuer's own credit and income criteria.

When were the BMO CashBack Mastercard figures last checked?

We checked its supplementary card fee in September 2026, its foreign transaction fee in September 2026 and its purchase APR in September 2026, each against a published document. Not yet checked with BMO: credit requirement. BMO's site restricts access, so we could not check: welcome offer. We could not verify, so we do not print: annual fee and earn rates. Check them with BMO. Terms can change without notice, so confirm the current details with BMO before you apply.