BMO CashBack Mastercard Calculator

Card Details & BMO Cash Back Calculator
3% Grocery
1% Recurring Bill Payments
0.5 Everything Else
National & Alamo Savings
Purchase Protections

Calculate how much cash back you can earn with the BMO CashBack Mastercard based on your spend and compare the results against top rewards cards.


Bonus Categories

The BMO CashBack Mastercard has two bonus categories which are grocery and recurring bill payments. The grocery and recurring bill payment categories both have their own separate spend caps of $500 per statement cycle period. Once you hit the cap, you'll earn at the non-category rate for the remainder of the statement cycle. There's no limit to the amount of cash back you can earn with the BMO CashBack Mastercard overall.

  • 3% Grocery
  • 1% Recurring Bill Payments
  • 0.5% Everything Else

Perks & Benefits

The BMO CashBack Mastercard comes with a handful of benefits that can be useful including discounts on rental cars and purchase protection.

  • National and Alamo Savings
    • Save up to 25% off rentals at participating National Car Rental and Alamo Rent A Car locations.
  • Show Discounts
    • 15% off admission to Cirque du Solei shows touring Canada.
    • 20% off resident shows in Las Vegas.
  • Purchase Protections

Sign Up Bonus (SUB)

The standard sign up bonus for the BMO CashBack Mastercard is 5% cash back on all eligible purchases for the first three months. Grocery and recurring bill payments cap out at $500 per statement period and for non-category spending you can earn up to the first $1,500 in spend during the first three months. This promotional bonus ends October 31, 2021.

The card also has an introductory interest rate on Balance Transfers.

Fees & Income Requirements

Annual Fee

The BMO CashBack Mastercard does not have an annual fee.

Authorized User Fee

There is no annual fee to add authorized users to the BMO CashBack Mastercard. I highly recommend adding users to help increase the cash back you can earn with the card.

Foreign Transaction Fee

The BMO CashBack Mastercard has a foreign conversion fee of 2.5%.

Income Requirements

There is no income requirements for the BMO CashBack Mastercard.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Categories
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Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
$0
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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