BMO CashBack World MasterCard®

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This card is no longer offered by the provider.
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First year rewards (up to)

Gift card
Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
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Cash advance: 22.99%
Balance transfer: 22.99%
%
Purchase interest rate
Cash advance: 22.99%
Balance transfer: 22.99%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
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Rewards
Earn points on each dollar you spend
How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases
1.25%   Cash Back
Calculator
Monthly spending by category

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First year rewards (up to)
First year rewards (up to)
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details. Gift card
Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward
Bills
Entertainment
Gas
Groceries
Other purchases
Pharmacy
Restaurants
Travel
This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee
Total net reward
Redeem

Card details

Network: MasterCard
Provider: Bank of Montreal
Card type: Rewards

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $79
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate: 19.99%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 22.99%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: 22.99%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: $60K / Year
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income: $100K / Year
  • Be a permanent Canadian resident
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)

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Limited Time: Get up to $540 in value in your first year – 35,000 points + $150 first year annual fee waived*!

Earn 5% cash back during your first 6 months and 2% when your welcome rate ends.*

Get up to 5% cash back in your first 3 months and a 1.99% introductory interest rate on Balance Transfers for 9 months.

Earn up to 30,000 bonus points ($300 value) in your 1st year + 5x the points on eats and drinks. *Conditions Apply

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  • Earn cash by using your MasterCard: With 1.25% CashBack on every purchase, spending $10,000 a year gives you a $125 rebate to your credit card!1
  • Triple your cash rebate with 3% CashBack5 - and get up to 25% off rentals6
    - at National Car Rental & Alamo Rent A Car locations worldwide
  • Dining and Entertainment Reservations and Recommendations: 24/7 access to BMO Concierge Service by calling 1-800-741-6758
  • $79 Annual fee
  • 19.9% Interest rate
Added value:
  • Get FREE help on the road - with BMO Roadside Assistance - and save yourself the cost of buying alternative coverage: Includes battery boosts, flat-tire change, lock-out service and towing (a $69/year value)2
  • Get free BMO World Travel Protection: includes Car Rental Collision Damage, flight delay & baggage insurance3
  • Get free extended warranty and purchase protection: : Items bought with your credit card are automatically insured against theft for 90 days. And save the cost of buying extended warranty insurance - you're already covered7
  • Convenient concierge service: makes your personal and professional life easier with 24-hour access to financial, entertainment and leisure arrangements
  • Add an additional cardholder to your BMO MasterCard account (and earn even more CashBack) for only $15/year