BMO CashBack Mastercard – Full Details
The previous page covered why BMO CashBack focuses its rewards on groceries and bills. This page covers eligibility, applying, and BMO’s support channels.
Additional benefits
Instacart+ membership
Eligible new cardholders receive three months of Instacart+ membership along with a $5 monthly Instacart credit, a practical pairing for anyone who already shops for groceries online.
Balance transfer promotion
New cardholders can access a 0.99% interest rate for 9 months on balance transfers, subject to a 2% transfer fee, separate from the card’s regular purchase APR.
Eligibility requirements
Standard Canadian credit card eligibility applies: a stable income and an acceptable credit history, reviewed by BMO during the application.
We recommend confirming current eligibility criteria directly on BMO’s official page.
Required documentation
- Government-issued identification
- Social Insurance Number (may be requested)
- Proof of income or employment information
- Current residential address
How to apply
Step by step
- 1. Visit BMO’s official page for the CashBack Mastercard.
- 2. Complete the online application with personal and income details.
- 3. Submit identification as requested.
- 4. Wait for a decision, which BMO may provide quickly online.
- 5. Activate the card once it arrives by mail.
Official contact
For application or account questions, use BMO’s official Mastercard support line.
Support channels
- BMO Mastercard customer service: 1-800-263-2263
- BMO’s official website and mobile app for account management
Other common questions
Do grocery and bill categories have a spending cap?
Specific category caps, if any, should be confirmed on BMO’s official terms, since these can be updated.
Is the welcome offer automatic?
Welcome offers on Canadian cards are generally applied automatically to qualifying spending; confirming exact terms on BMO’s official offer page before applying is worthwhile.
Can I use this card outside Canada?
Yes, it runs on the Mastercard network, widely accepted internationally; foreign transaction terms should be confirmed on BMO’s official page.
Is BMO CashBack good in practice?
For grocery-focused households with no interest in paying an annual fee, it’s a dependable everyday option, especially strong in its first three months.
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