BMO · Mastercard
BMO CashBack Mastercard
Balance transfer · Cash back
Welcome offer
Not verified yetUp to $125 cash back
Earn 5% cash back in the first 3 months, on up to $2,500 in spending (up to $125).
- Minimum spend
- $2,500 in 3 months
- Apply by
- October 31, 2026
The apply-by date on the issuer's site (October 31, 2026) has passed. This is what I saw on October 4, 2026, and it needs to be checked again.
This card's data was imported on September 6, 2026 and has not been checked against the issuer's page yet. Check the issuer's website before you apply.
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- No annual fee
- Foreign transaction fee
- 2.5%
- Purchase rate
- 21.99%
- Cash advance rate
- 23.99%
- Income requirement
- Not stated
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026.
Rewards
What each category earns
| Category | Earn per $1 |
|---|---|
| Groceries | 3% |
| Dining and delivery | 0.5% |
| Gas and EV charging | 0.5% |
| Recurring bills | 1% |
| Transit | 0.5% |
| Drugstores | 0.5% |
| Travel | 0.5% |
| Entertainment | 0.5% |
| Phone and internetMust be set up as an automatic payment | 1% |
| StreamingMust be set up as an automatic payment | 1% |
| Online shopping | 0.5% |
| Convenience stores | 0.5% |
| Office supplies | 0.5% |
| Other spending | 0.5% |
Checked against the issuer's page on October 7, 2026. High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. See the source page
Included insurance
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
Coverage amounts and number of days are as stated in the certificate of insurance.