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Mastercard0/4 on file
Annual fee: issuer restricts access
BMO (Bank of Montreal US / BMO Harris) · Mastercard

BMO Cash Back Credit Card

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The BMO Cash Back Credit Card is a Mastercard from BMO (Bank of Montreal US / BMO Harris). BMO (Bank of Montreal US / BMO Harris)'s site does not let us read its terms, so we leave the annual fee blank — check it on BMO (Bank of Montreal US / BMO Harris)'s own site. Here is what we hold on it, and what we do not.

No figure here is checked yet

Not yet checked with BMO (Bank of Montreal US / BMO Harris): credit requirement. BMO (Bank of Montreal US / BMO Harris)’s own page is authoritative — confirm anything you rely on there before you apply.

Apply on BMO (Bank of Montreal US / BMO Harris)Compare this card
Opens BMO (Bank of Montreal US / BMO Harris)’s site

Bank with branches in: California (223), Illinois (170), Wisconsin (139), Colorado (68), Arizona (59), Indiana (46), Minnesota (35), Nebraska (28) and 14 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the BMO Cash Back Credit Card, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Mastercard
Credit needed
NoneNot yet checked with BMO (Bank of Montreal US / BMO Harris)
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the BMO Cash Back Credit Card. That may mean there isn’t one, or simply that we have not recorded it — BMO (Bank of Montreal US / BMO Harris)’s own page is the place to check.

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

What it earns

No earn rates on file

We hold no category earn rates for the BMO Cash Back Credit Card. Rather than print a multiplier we cannot source, this stays blank until BMO (Bank of Montreal US / BMO Harris)’s own terms give us one.

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

Perks & benefits

Card benefits

  • Cell phone protection up to $400
  • Extended warranty (up to additional 12 months)
  • Master RoadAssist roadside service
  • Mastercard ID Theft Protection (Identity Monitoring and Resolution Services)
  • Mastercard Zero Liability
  • Priceless Cities access
  • BMO PaySmart Installment Plan
  • Mobile theft and damage protection
Next step

Ready to apply for the BMO Cash Back Credit Card?

You'll finish the application on BMO (Bank of Montreal US / BMO Harris)'s own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens BMO (Bank of Montreal US / BMO Harris)’s site
Questions

Questions about the BMO Cash Back Credit Card

How much is the BMO Cash Back Credit Card annual fee?

We could not verify the BMO Cash Back Credit Card's annual fee, so we do not print one. Check the current annual fee on BMO (Bank of Montreal US / BMO Harris)'s own site before you apply.

What does the BMO Cash Back Credit Card earn?

We could not verify the BMO Cash Back Credit Card's earn rates, so we do not print a multiplier. Check them on BMO (Bank of Montreal US / BMO Harris)'s own site.

What network is the BMO Cash Back Credit Card on?

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

Is the BMO Cash Back Credit Card available in United States?

Yes — the BMO Cash Back Credit Card is issued by BMO (Bank of Montreal US / BMO Harris) and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

How current is this BMO Cash Back Credit Card information?

No figure we hold for the BMO Cash Back Credit Card has been checked against a published document yet, so we show no check date. We could not verify, so we do not print: annual fee, foreign transaction fee, purchase APR, earn rates and welcome offer. Check them with BMO (Bank of Montreal US / BMO Harris). Everything on this page comes from what we hold in our catalogue; confirm the fee, offer and terms with BMO (Bank of Montreal US / BMO Harris) before you apply.