BMO Cashback Mastercard

Benefits & Cash Back Calculator
Review the benefits of the BMO Cashback Mastercard and calculate how much cash back you can earn based on the spend amounts you enter.
Last Updated 2022-06-11

The BMO CashBack® Mastercard® is a cash back credit card that earns 3% cash back on grocery, 1% back on recurring bill payments, and 0.5% back on everything else. It's great card for anyone that doesn't spend more than $500 on grocery monthly that is looking to avoid paying an annual fee.

Card Details At-A-Glance

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Issued By
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Annual Fee
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Foreign Transaction Fee
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BMO CashBack Mastercard earning rates

3% Grocery

The BMO CashBack Mastercard earns 3% cash back on the first $500 spent on grocery during the statement cycle period. Once that cap is hit, you'll earn at the non-bonus category rate of 0.5% for the remainder of the statement cycle.

1% Recurring Bill Payments

The BMO CashBack Mastercard earns 1% cash back on the first $500 spent on recurring bill payments. Once the cap is hit, you'll earn at the non-bonus category rate of 0.5% for the remainder of the statement cycle.

0.5% Everything Else

All other purchases on the BMO CashBack Mastercard will earn you 0.5% cash back.

BMO CashBack Mastercard benefits

Car Rental Savings

As a BMO cardholder, you'll save up to 25% off at National Car Rental and Alamo Rent A Car locations. You can use contract ID number 3717122 when booking on nationalcar.com and contract ID number 7014883 when booking on alamo.com.

Entertainment Discounts

As a BMO cardholder, you will receive 15% off admission to Cirque du Soleil shows touring Canada and 20% off resident shows in Las Vegas.

Shopping Insurance

BMO cash back calculator

Input your monthly and yearly spend amounts to calculate how much cash back you can earn with the BMO CashBack Mastercard. Compare the results side by side up to two credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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