Learn How to Apply for a BMO Cashback Mastercard
The BMO Cashback Mastercard is a Canadian card that offers a special bonus of 5% cashback during the first 3 months with BMO!
What do I need to know before applying?
If you want a secure card and still want to enjoy one of the highest cashbacks on groceries in Canada, get to know the BMO Cashback Mastercard now!

CREDIT CARD
BMO Cashback Mastercard
Want a no-fee card? Apply now.
GO TO OFFICIAL WEBSITE* You will be directed to an external website
You’ve heard of BMO, right? The bank has been around for over 140 years, becoming a highly respected institution across the Americas.
Among the range of services offered by BMO are credit card lines, and the BMO Cashback Mastercard is one of the top highlights, offering a great rewards system based on your spending.
First, let’s start with the basics: the card has a $0 annual fee and an initial credit limit that is quite adaptable according to your circumstances.
The interest rates are 20.99% for purchases, but for the first 9 months, you benefit from a 0.99% rate, plus a 2% fee for balance transfers.
Now, let’s talk about the benefits, ok? The card offers 0.5% cashback on all your purchases. And the benefits can be even greater:
- 1% cashback on recurring payments. What qualifies? Well, streaming services, subscriptions, bills, tuition fees, and public utilities.
- 3% on grocery purchases, and you can earn on spending at your favorite places and on food as you wish.
Well, first, your rewards never expire, and you can redeem them whenever you want, with just a $1 fee. Rewards are paid via direct deposit to your checking account, investor line, or as a statement credit.
Want to know exactly how much you’ll earn? No problem, because the platform offers a cashback calculator.
Another benefit you might not know about is that you get up to seven cents per liter off fuel when refueling at Shell stations.
You also get access to a full-featured app, where you can lock and unlock your card, check all your spending, and monitor your score 24 hours a day.
Who can Apply?

The BMO Cashback card aligns with standard market practices, featuring simple eligibility requirements for applicants.
To be eligible, you need to meet the legal age requirement in your province or territory, which varies between 18 and 19 years depending on the region.
Furthermore, you must not have declared bankruptcy in the past seven years.
BMO typically looks for applicants with a credit score in the range of 600 to 700. Unlike some other cards, there is no set minimum income required.
However, approval is subject to the bank’s assessment of each applicant’s situation.
How do I Apply for the BMO Cashback Mastercard?
To begin the application process, click on the ‘Apply Now’ button, which will direct you to the application form. The first step is to indicate if you already possess a BMO debit card.
If you do not, you’ll be asked to confirm if you have a Canadian address.
You will then need to provide the following information:
- Full name (last name optional) and date of birth
- Email address and phone number
- Full address, housing status, and monthly payment amount
- Income details and banking information
Once your application is submitted, BMO will carefully review your profile and respond promptly.
For any questions, you can reach out to BMO directly.

CREDIT CARD
BMO Cashback Mastercard
Want to earn cashback on food? Apply now.
GO TO OFFICIAL WEBSITE* You will be directed to an external website
More Details
The award-winning BMO Cashback Mastercard comes with additional benefits like savings and discounts:
- Up to 20% off at National Car Rental and Alamo Rent-A-Car
- Up to 20% off Cirque du Soleil shows in Canada
- Up to 7% off bookings on Booking.com
In terms of security, BMO offers alerts for all purchases. If you do not recognize a transaction, you can rely on Zero Liability Protection to shield you from fraud.
The card also includes BMO PaySmart installment plans, allowing you to comfortably divide your purchases into interest-free payments.
Writer with over 10 years of experience specializing in finance and education. Master's student in Communication and an expert in online content production.