BMO Cash Back Credit Card
BMO Cash Back Credit Card Review
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
BMO Cash Back Credit Card
SIGN-UP BONUS
Earn $200 cash back bonus when you spend $2,000 within 3 months of opening your account.
REWARDS RATE
5% cash back on streaming, cable TV and satellite services; 3% cash back on gas and grocery purchases, up to $2,500 in gas and grocery purchases each calendar quarter; and 1% cash back on all other eligible purchases
Sign Up Bonus
Earn $200 cash back bonus when you spend $2,000 within 3 months of opening your account.
Rewards Rate
5% cash back on streaming, cable TV and satellite services; 3% cash back on gas and grocery purchases, up to $2,500 in gas and grocery purchases each calendar quarter; and 1% cash back on all other eligible purchases
Call Phone Protection
Cell phone protection in case of a lost, stolen or damaged device when you charge your monthly cell phone bill to your card.
Annual Fee
$0*
Card Brand
Mastercard®
Recommended Credit Score
Good/ExcellentHighlights
- Earn $200 cash back bonus when you spend $2,000 within 3 months of opening your account.
- 5% cash back on streaming, cable TV and satellite services. These streaming services include but are not limited to: Netflix, Paramount+, Hulu, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube TV and Tidal.
- 3% cash back on gas and grocery purchases, up to $2,500 in gas and grocery purchases each calendar quarter.
- 1% cash back on all other eligible purchases.
- 0% introductory APR, on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 21.24% - 28.24%, based on your creditworthiness.*
- No Annual Fee*
- Online application for BMO Credit Cards only available for AZ, CA, CO, DE, FL, GA, IA, ID, IL, IN, KS, MA, MD, MN, MO, ND, NE, NJ, NM, NV, NY, OH, OK, OR, SD, TX, UT, WA, WI, and WY
- *Terms Apply
Additional Info
3% of each transaction in U.S. dollars.*
Either $10 or 4% of the amount of each balance transfer, whichever is greater.*
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Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Mar 25, 2024
The Good
The Not So Good
The Bottom Line
Editorial Note: This content is not provided by BMO Bank N.A.. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by BMO Bank N.A..
Related Card Offers
on Wells Fargo's secure site
Welcome Offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open.
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on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 17.24% - 28.24% Variable APR.
Rewards Rate
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. Redeem your rewards for cash at any time.
Sign-Up Bonus
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
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on Citibank's secure site
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Intro Balance Transfer APR
0% intro APR for 18 months on Balance Transfers
Regular Purchase & BT APR
19.24% - 29.24% (Variable)
See Our Review