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BMO CashBack® World Elite®* Mastercard®*

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Secure application on the BMO Bank of Montreal website

Card Features

  • 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
*Terms and conditions apply †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.

Interest Rates

Purchase APR: 20.99%

Balance Transfer APR: 23.99%

Cash Advance APR: 23.99% (21.99% for Quebec residents)

Annual Fee

$120

Pros

  • Many high cash back categories to choose from
  • Free access to Wi-Fi hotspots
  • World Elite Mastercard benefits

Cons

  • Need excellent credit to qualify

Bonus Offer

Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*

Introductory Rates

Reward Earnings Rate

Up to 5% cash back on select categories

Additional Details

Grace Period: 21 Days

Fees