BMO
BMO CashBack Mastercard
No annual fee and 3% cash back on groceries. Redeem your cash back anytime, for as little as $1.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
21.99% (purchases)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 3% cash back on groceries (first $500 per statement period)
- 1% on recurring bill payments (first $500 per statement period)
- 0.5% on all other purchases
- welcome offer up to 5% cash back for first 3 months
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | $0 (additional cardholders free) |
| Purchase APR | 21.99% (purchases) |
| Balance transfer intro | 0.99% for 9 months (2% transfer fee) on approved promotional offers |
| Balance transfer rate | 23.99% (21.99% for Quebec residents) |
| Balance transfer fee | 2% of amount transferred on the promotional offer; up to 5.00% on other offers (exact fee disclosed with the offer) |
| Cash advance | 1.00% of the advance or minimum $5.00; cash advance APR 23.99% (21.99% in Quebec) |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Mastercard |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.