Card Features
- Welcome offer: Get 5% cash back in your first 3 months*
- Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
- Now earn the highest cash back on groceries in Canada without paying an annual fee!†
- Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred*
- No Annual fee*
- Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account*
- Extended Warranty*
- Purchase Protection*
- Receive a discount on car rentals*
- 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
*Terms and conditions apply †Based on a comparison of the non-promotional grocery rewards earn rate on cash back credit cards with no annual fee as of January 4, 2023.
Interest Rates
Purchase APR: 20.99%
Balance Transfer APR: 22.99%
Cash Advance APR: 22.99% (21.99% for Quebec residents)
Annual Fee
$0
Pros
- Excellent cash back rate on grocery purchases
- Good balance transfer offer
Cons
- Regular cash back rate could be better
Bonus Offer
Get 5% cash back in your first 3 months*
Introductory Rates
Reward Earnings Rate
3% cash back on grocery purchases, 1% cash back on recurring bill payments, 0.5% unlimited cash back on all other purchases
Additional Details
Grace Period: 21 days