BMO Cash Back - Calculators & BMO Credit Cards

Calculate how much cash back you can earn with BMO Cashback credit cards based on your spend and compare results side by side top cards in Canada.

Bank of Montreal, commonly known as BMO, is a Canadian multinational bank based out of Montreal, Quebec, Canada and Toronto, Ontario, Canada. They offer cash back and rewards points credit cards to those in Canada as well as rewards credit cards to select states in the United States.

BMO Cash Back Credit Cards

BMO offers one World Elite Mastercard and one Mastercard. The World Elite Mastercard offers a high return across several popular categories and comes with great travel benefits whereas the Mastercard offers a great return on grocery alone.

BMO CashBack® World Elite® Mastercard®
BMO CashBack® World Elite® Mastercard®
Intro Bonus
View Issuer's Website
Rewards Rate
5%
Earn 5% back on groceries
4%
Earn 4% back on transit including ride sharing, taxis, and public transportation
3%
Earn 3% back on gas including electric vehicle charging
2%
Earn 2% back on recurring bills like your phone bill, gym membership, and favorite streaming services
1%
Earn 1% back on all other purchases
Main Card Highlights
  • Enjoy free access to over 1 million Wi-Fi hotspots around the world with Boingo Wi-Fi for Mastercard Cardholders.
  • Earn even more cash back when you add another cardholder for $50 a year.
  • Save up to 25% off rentals at participating National Car Rental and Alamo Rent a Car locations.
  • Airport lounge access with complimentary membership in Mastercard Airport Experiences provided by LoungeKey.
  • No waiting! Redeem your cash back any time you want for as little as $1.
  • Roadside assistance including battery boosts, flat-tire change, lockout service and towing – a $69/year value.
  • Travel and medical protection with 8-day out-of-province/out-of-country emergency medical benefits – up to $2 million coverage.
  • Minimum Income Requirements: $80,000 Individual or $150,000 Household
Annual Fee
$120
Authorized User Fee
$50
Foreign Transaction Fee
2.5%
BMO CashBack® Mastercard®
BMO CashBack® Mastercard®
Intro Bonus
View Issuer's Website
Rewards Rate
3%
Earn 3% cash back on grocery purchases
1%
Earn 1% cash back on recurring bill payments such as streaming services, subscriptions or monthly utilities
0.5%
Earn 0.5% cash back on all other purchases
Main Card Highlights
  • Your cash back rewards never expire as long as your account is open and in good standing
  • No waiting! Redeem you cash back any time you want for as little as $1
  • Save up to 25% off rentals at participating National Car Rental and Alamo Rent a Car locations.
  • Get 15% off admission to Cirque du Soleil shows touring Canada, and 20% off resident shows in Las Vegas.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.5%

Other BMO Calculators

Looking to earn rewards points with BMO? Calculate total BMO Rewards Points based on your spend across BMO Rewards and BMO eclipse credit cards. Compare results against top credit cards.
BMO holds several AIR MILES credit cards along with American Express. Calculate total AIR MILES, the cash value of AIR MILES rewards, and compare cards.
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