BMO · Mastercard
BMO CashBack Mastercard
Balance transfer · Cash back
Welcome offer
Verified · Oct 4Up to $125 cash back
Earn 5% cash back in the first 3 months, on up to $2,500 in spending (up to $125).
- Minimum spend
- $2,500 in 3 months
- Apply by
- October 31, 2026
The BMO page only says 5% and 3 months. The spend cap and deadline come from a third-party site (2026-09-30).
Checked on October 4, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- No annual fee
- Foreign transaction fee
- 2.5%
- Purchase rate
- 21.99%
- Cash advance rate
- 23.99%
- Income requirement
- Not stated
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
I have tracked this card's welcome offer since October 4, 2026, and it has not changed. Each time it changes, the old offer will be struck through and kept here.
- Now · Checked October 4, 2026Up to $125 cash backSpend $2,500 in 3 months · No annual fee
Rewards
What each category earns
| Category | Earn per $1 |
|---|---|
| Groceries | 3% |
| Dining and delivery | 0.5% |
| Gas and EV charging | 0.5% |
| Recurring bills | 1% |
| Transit | 0.5% |
| Drugstores | 0.5% |
| Travel | 0.5% |
| Entertainment | 0.5% |
| Phone and internetMust be set up as an automatic payment | 1% |
| StreamingMust be set up as an automatic payment | 1% |
| Online shopping | 0.5% |
| Convenience stores | 0.5% |
| Office supplies | 0.5% |
| Other spending | 0.5% |
Checked against the issuer's page on October 7, 2026. High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. See the source page
Included insurance
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
Coverage amounts and number of days are as stated in the certificate of insurance.