Welcome bonus
$0
Annual rewards
$0
Cash Back Rewards
Annual fee
$120
20.99% Purchase Interest, 23.99% Cash Advance, 23.99% Balance Transfer
20.99% Purchase Interest, 23.99% Cash Advance, 23.99% Balance Transfer
The only card that gives you 5% cash back on groceries. Redeem your cash back any time for as little as $1. †
Card Details ±
- Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
- Earn more cash back on the categories that mean the most:
- – 5% on groceries*
- – 4% on transit including ride sharing, taxis and public transportation*
- – 3% on gas and electric vehicle charging*
- – 2% on recurring bill payments like your monthly phone bill or favourite streaming service*
- – 1% unlimited cashback on all other purchases*
- Get the highest cash back earn rate on groceries in Canada.*
- Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
- Extended Warranty Plus*
- Purchase Protection Plus*
- Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*
- Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
- Complimentary Roadside Assistance Program*
- BMO CashBack World Elite Travel and Medical Protection*
- BMO Concierge Service*
- Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
- BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
- †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.
- This offer is not available for residents of Quebec.†
- †Terms and conditions apply – see bank site for full details.*
- The information provided on the Website is provided AS IS and for informational purposes only and is not and should not be construed as financial or investment advice. RMR makes no representations or warranties about the accuracy of any information contained on the Website, and shall not be responsible for any inaccuracies, misrepresentations, errors or omissions in the information provided therein, and some information may not always be up to date.*
† Conditions Apply
Network & Provider
- Mastercard
- Bank of Montreal
- Cash back reward cards
Annual Interest Rates & Fees
- $120.00
- 20.99%
- 23.99%
- 23.99%
Eligibility
- $80,000/year
- $150,000/year
- 760+