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11 personal cards. Showing cash back.

BMO CashBack World Elite Mastercard

First year freeMastercard

Best for heavy grocery, transit and gas spenders

Welcome offer
$40 cash back each billing cycle you spend $2,000+
Annual fee
$139 $0
in year one
Min. income
$80K
or $150K household
How you earn and offer details

Earn: 5% on groceries; 4% transit; 3% gas and EV; 2% recurring bills (each with monthly caps); 1% on everything else

Offer details: $40 cash back each billing cycle you spend $2,000+ (up to 12) plus first-year fee waived; apply by Oct 31, 2027 (up to $650 value)

Apply at BMO

BMO CashBack Mastercard

Mastercard

Best for no-fee grocery cash back

Welcome offer
Up to 5% cash back in first 3 months
Annual fee
$0
How you earn and offer details

Earn: 3% on groceries; 1% recurring bills (each up to $500/statement); 0.5% on everything else

Offer details: Up to 5% cash back in first 3 months (up to $125 on $2,500); apply by Oct 31, 2027

Apply at BMO

Offers checked weekly. Last checked Oct 4, 2026. Always confirm the current offer on BMO's site before applying.