Start accumulating quick rewards and take advantage of balance transfers with a reduced interest rate.

If you’re looking for a credit card that combines convenience, attractive rewards, and an irresistible offer to get started, the BMO CashBack® Mastercard® is the ideal choice.

This card not only offers the opportunity to earn up to 5% cashback in your first 3 months, but also brings a series of benefits that make everyday purchases more advantageous, with no annual fees and flexibility in redeeming your rewards.

Ready to discover how this card can transform your finances?

Keep reading to learn how you can start earning cashback anywhere and anytime, with the convenience and advantages that the BMO CashBack® Mastercard® offers.

What is the BMO CashBack® Mastercard®?

The BMO CashBack® Mastercard® is an innovative credit card offered by the Bank of Montreal (BMO), one of Canada’s largest and most trusted banks.

Its main differentiator lies in the combination of cashback with flexibility, allowing you to enjoy your benefits in the way that best suits your lifestyle.

From the moment you get the BMO CashBack® Mastercard®, you start accumulating cashback on all your purchases.

If you enjoy rewards that add up quickly, this card will make you feel rewarded with every transaction.

How Does the BMO CashBack® Mastercard® Work?

Earning cashback has never been easier with the BMO CashBack® Mastercard®. With it, you can enjoy up to 5% cashback in the first 3 months of use, which means that by making your purchases, you can recover a significant part of what you spent right from the start.

This welcome offer is an excellent opportunity to make the most of your purchasing power. Additionally, the BMO CashBack® offers cashback on different categories of purchases, making the card even more advantageous:

• Supermarkets: If you do your grocery shopping, you’ll love the cashback on essential products.
• Gasoline: Save money while fueling your car with accumulated rewards.
• Online shopping: No matter where you shop, you’ll always accumulate cashback.

The best part? Rewards never expire, as long as your account is open and in good standing. This means you can accumulate your cashback at your own pace and redeem it whenever you want.

When it comes to redeeming your rewards, flexibility is key. With the BMO CashBack® Mastercard®, you can redeem your cashback starting at just $1, and without any waiting.

Additionally, you can opt to set up an automatic deposit as soon as you reach the minimum amount of $25, into a checking account, savings account, or even the BMO Investor Line.

Exclusive Benefits of the BMO CashBack® Mastercard®

In addition to being an easy-to-use card, the BMO CashBack® Mastercard® offers a series of exclusive benefits that make it a great choice for those looking to maximize their daily rewards.

1. Welcome Offer:
   In the first 3 months, you can earn up to 5% cashback on your purchases, which helps significantly increase your initial rewards. For those who love accumulating cashback quickly, this is an offer you can’t miss.
2. Balance Transfers with an Introductory Interest Rate of 0.99%:
   If you have balances on other credit cards and want to reduce the impact of high interest rates, the BMO CashBack® Mastercard® offers a 0.99% promotional rate on balance transfers, valid for 9 months, with a balance transfer fee of just 2%. This is perfect for those who want to organize their finances and avoid high interest while paying off debts.
3. No Annual Fee:
   Unlike many cards that charge annual fees, the BMO CashBack® Mastercard® offers the advantage of no annual fee, making it even more accessible. This means you can earn rewards without worrying about extra costs.
4. Flexible Redemptions:
   The accumulated cashback can be redeemed immediately, with no need to wait for months. You can do this with a minimum amount starting from just $1, giving you full freedom over how you use your cashback.

Rates and Costs of the BMO CashBack® Mastercard®

When evaluating a credit card, it’s important to understand the associated costs. With the BMO CashBack® Mastercard®, the fees are extremely competitive:

• Interest Rate for Purchases: 21.99% – This rate is within the average for the Canadian market but can be managed if you pay your balance in full.
• Interest Rate for Cash Advances: 23.99% – A slightly higher rate, but important to consider if you need a cash advance.
• Balance Transfers: 2% fee and 0.99% introductory interest rate for the first 9 months. Ideal for those who want to transfer balances and pay less interest.

Who Should Consider the BMO CashBack® Mastercard®?

This card is ideal for a wide variety of consumer profiles. If you’re someone who:

• Does daily shopping at supermarkets and fuel stations,
• Prefers flexible cashback with no expiration date,
• Wants to avoid annual fees and high interest rates,
• Is looking for a way to organize finances and transfer balances from other cards with low interest rates,

Then the BMO CashBack® Mastercard® is for you.

How to Apply for the BMO CashBack® Mastercard® and Start Earning Cashback

Now that you know all the incredible benefits of the BMO CashBack® Mastercard®, it’s time to take the next step: apply for your card and start enjoying all the rewards!

The good news is that the application process is quick, simple, and entirely digital, allowing you to start earning cashback on your purchases conveniently.

Step 1: Visit the Official BMO Website

First, go to the official website of the Bank of Montreal (BMO). There, you’ll find a dedicated section for the BMO CashBack® Mastercard® with all the detailed information about the card and an application button.

Step 2: Fill Out the Online Application Form

On the online application form, you’ll need to provide some basic information, such as:

• Your full name
• Address and contact details
• Information about your income and employment
• Your credit history (depending on the credit card you have or your relationship with the bank)

This process is simple and fast, and BMO will perform a quick credit check to approve your application.

Step 3: Receive Approval and Your Card

Once your application is approved, your BMO CashBack® Mastercard® will be sent directly to your address. Shipping times may vary, but typically you’ll receive it within a week.

Step 4: Activate Your Card and Start Using It

After receiving your card, simply activate it following the instructions provided by BMO. After that, you can start using your new card immediately and begin earning cashback with your everyday purchases.

Step 5: Enjoy the Rewards and Flexibility

With the BMO CashBack® Mastercard®, you can enjoy instant rewards from day one and take advantage of all the benefits, like 5% cashback in the first 3 months and the 0.99% promotional rate for balance transfers.

Don’t waste any more time! Apply for your BMO CashBack® Mastercard® now and start earning valuable rewards on every purchase you make. The process is quick, easy, and completely online. The time to take advantage of cashback benefits is now!

Conclusion: Start Enjoying Your Benefits Now!

The BMO CashBack® Mastercard® is undoubtedly an excellent choice for anyone looking to enjoy instant rewards and exclusive benefits from day one.

Now that you know all the details, don’t waste any time and apply for your BMO CashBack® Mastercard® to start earning cashback on your everyday purchases. Remember, rewards never expire, and you can redeem your cashback whenever you want — with complete freedom and convenience.

Looking for more options? In the next article, we will explore the KOHO Card, an amazing alternative for those who want to better manage their spending and earn rewards in a simple, fee-free way.

If you’re interested in discovering how the KOHO Card can help you manage your money more efficiently, stay tuned for our next article!