{"id":84254,"date":"2020-09-22T11:21:00","date_gmt":"2020-09-22T15:21:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/news\/bmo-cashback\/"},"modified":"2026-05-09T08:34:14","modified_gmt":"2026-05-09T08:34:14","slug":"bmo-cash-back-offer","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/bmo-cash-back-offer\/","title":{"rendered":"3% cash back on grocery purchases with the BMO CashBack Mastercard"},"content":{"rendered":"\n<p>The <a target=\"_blank\" class=\"thirstylink\" title=\"BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*\" href=\"\/go\/bmo-remises\/\" >BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*<\/a> (as well as the student version, the <a class=\"thirstylink\" title=\"BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>* for students\" href=\"https:\/\/mp-2702.milesopedia.dev\/go\/bmo-remises-etudiants\/\" >BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>* for students<\/a>) have a new earning structure:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-center\" data-align=\"center\">Cash Back<\/td><td class=\"has-text-align-center\" data-align=\"center\">Type<\/td><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>5&nbsp;%<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>the first 3 months<\/strong><br><em>up to $2,000 in purchases<\/em><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>3&nbsp;%<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Grocery<\/strong><br><em>up to $500 in credit card purchases per month<\/em><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>1&nbsp;%<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Recurring bill payments<\/strong><br><em>up to $500 in credit card purchases per month<\/em><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>0,5&nbsp;%<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Other purchases <br><\/strong><em>no limit<\/em><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>Now, with the <a target=\"_blank\" class=\"thirstylink\" title=\"BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*\" href=\"\/go\/bmo-remises\/\" >BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*,<\/a> you can earn:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>3% cash back for groceries<\/strong><\/li>\n\n\n\n<li>1% cash back for recurring payments<\/li>\n<\/ul><\/div>\n\n\n\n<p>With a $500 monthly purchase limit for each of those two categories.<\/p>\n\n\n\n<p>Beyond that, and for all other purchases, it&#8217;s 0.5% cashback.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1280\" height=\"847\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/07\/supermarket-949913_1280.jpg\" alt=\"Earn points or cash back with online grocery shopping - supermarket 949913 1280\" class=\"wp-image-48334\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/07\/supermarket-949913_1280.jpg 1280w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/07\/supermarket-949913_1280-450x298.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/07\/supermarket-949913_1280-1024x678.jpg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/07\/supermarket-949913_1280-200x132.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/07\/supermarket-949913_1280-768x508.jpg 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<p>This <strong>no-annual-fee card<\/strong> follows the movement of other cards focusing on everyday expenses such as groceries.<\/p>\n\n\n\n<p>It will be suggested for people:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>beginning with credit cards rewards<\/li>\n\n\n\n<li>wanting to build their credit history<\/li>\n<\/ul><\/div>\n\n\n\n<p>But in the long run, it will be better to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/\">apply for other cards offering more favourable rewards<\/a> (such as our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/best-card-groceries\/\">best credit card for groceries<\/a>).<\/p>\n\n\n\n<p>Anyway, this card comes with a <strong>5% cashback welcome offer<\/strong> in the first three months up to $2,000 of purchases. That&#8217;s a $100 cash back.<\/p>\n\n\n\n<p>This is in line with <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/no-fee\/\">other credit cards with no annual fee.<\/a> Find out how to earn your BMO Cash Back <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-redeem-cash-back-bmo-credit-card-balance\/\">in this article<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22674\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-bmo-cashback-mastercard\">Frequently Asked Questions about the BMO CashBack Mastercard<\/h2>\n\n\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about this card.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_there_an_annual_fee_for_the_bmo_cashback_mastercard_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs there an annual fee for the BMO CashBack Mastercard?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No, the <a target=\"_blank\" href=\"\/?p=22669\" type=\"card\" id=\"22669\">BMO CashBack Mastercard<\/a> has no annual fee, making it one of the best free cash-back cards in Canada for grocery shoppers. There is also no minimum income requirement, so it is widely accessible to students, newcomers and those building their credit history. Combined with its 3% cash back on groceries, this card delivers strong value with zero ongoing cost as long as the account stays in good standing.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_welcome_offer_on_the_bmo_cashback_mastercard_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the welcome offer on the BMO CashBack Mastercard?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The current welcome offer for the <a target=\"_blank\" href=\"\/?p=22669\" type=\"card\" id=\"22669\">BMO CashBack Mastercard<\/a> is 5% cash back on all purchases for the first 3 months, capped at $2,000 in spending and $100 in welcome rewards. After the 3-month promo period, the regular earning rates apply: 3% on groceries (up to $500\/month), 1% on recurring bill payments (up to $500\/month), and 0.5% on everything else. The current offer expires June 30, 2026, so apply soon to secure the welcome bonus.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_much_cash_back_can_i_earn_on_groceries_each_year_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow much cash back can I earn on groceries each year?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The <a target=\"_blank\" href=\"\/?p=22669\" type=\"card\" id=\"22669\">BMO CashBack Mastercard<\/a> pays 3% cash back on grocery purchases up to $500 per month, which works out to a maximum of $180 per year on groceries alone ($500 x 12 months x 3%). Above the $500 monthly cap, grocery spending earns the base 0.5% rate. For households spending more than $500\/month on groceries, pairing this card with the <a target=\"_blank\" href=\"\/?p=22667\" type=\"card\" id=\"22667\">BMO CashBack World Elite Mastercard<\/a> (5% on $500 of monthly groceries) can stack the savings.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_the_bmo_cashback_mastercard_accepted_at_costco_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs the BMO CashBack Mastercard accepted at Costco?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, the <a target=\"_blank\" href=\"\/?p=22669\" type=\"card\" id=\"22669\">BMO CashBack Mastercard<\/a> is accepted at Costco Canada because Costco&#8217;s exclusive credit card network is Mastercard. However, Costco purchases earn the base 0.5% cash-back rate, not the 3% grocery rate (since Costco classifies as a wholesale club, not a grocery store). For higher Costco rewards, consider pairing this card with the <a target=\"_blank\" href=\"\/?p=22667\" type=\"card\" id=\"22667\">BMO CashBack World Elite Mastercard<\/a> or stacking with another points-earning Mastercard like the National Bank World Elite, which earns 5 points per dollar in the grocery category.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n\n<!-- milesopedia-cashback-cta -->\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\t<span class=\"h6 component__notice__title\">\n\t\t\t\tFind your best cash back card\t\t\t<\/span>\n\t\t\t\t\n\n<p>Looking for the credit card with the highest cash back rate? Check <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/cash-back\/\">our top cash back card ranking in Canada<\/a>, updated monthly by the Milesopedia team.<\/p>\n\n\t<\/div>\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Get 3% cash back on grocery purchases with the BMO CashBack Mastercard And enjoy a welcome offer of 5% cash back everywhere.<\/p>","protected":false},"author":3,"featured_media":84251,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48126],"tags":[],"mc_loyalty_program":[4250],"class_list":["post-84254","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cards","mc_issuer-bmo-en","mc_loyalty_program-cashback","mc_market-all-of-canada","tutorial-bmo-en"],"acf":{"mc_approved_badge":false,"mc_card_used":22674,"mc_featured_card_specific":22674,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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Sp\u00e9cialiste des programmes de fid\u00e9lit\u00e9 comme A\u00e9roplan, Points-Privil\u00e8ges d\u2019American Express et Marriott Bonvoy, Jean-Maximilien aide les voyageurs \u00e0 maximiser leurs avantages et \u00e0 transformer leurs points en exp\u00e9riences m\u00e9morables. 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