BMO Bank w Montrealu
Get up to 5% cash back for 3 months, no annual fee, and a special 0.99% intro rate for balance transfers for 9 months. Fast approval process!
The BMO CashBack Mastercard is one of the most accessible no-annual-fee credit cards for Canadians. With a competitive 21.99% interest rate on purchases and a 23.99% rate on cash advances, it remains an attractive option for everyday spending. Notably, the introductory offer lets new cardholders earn up to 5% cash back for the first three months. In addition, a 0.99% promotional interest rate on balance transfers applies for the first nine months. There’s no minimum income requirement, making it available to most Canadians with solid credit.
Jak ubiegać się o kartę BMO CashBack Mastercard
- Visit the BMO credit card website
- Choose the CashBack Mastercard option
- Wypełnij bezpieczny wniosek online
- Submit required personal and financial details
- Await an almost instant approval decision
The process is efficient, with digital tracking and quick feedback on your application status.
Zalety karty BMO CashBack Mastercard
One main advantage is the hassle-free cash back: every purchase earns a percentage back, and cash back can be redeemed at almost any time. There’s no annual fee, helping you save even more. The special welcome offer makes this card ideal for maximizing rewards quickly, especially in the first months.
Additionally, cardholders enjoy shopping and security benefits like purchase protection and extended warranty coverage. Flexible redemption options include direct deposit to BMO accounts or statement credits.
Wady karty BMO CashBack Mastercard
The standard cash back rate after the introductory period may be lower on some purchase types. Restrictions also apply for balance transfer offers and redemption options.
Another drawback is the higher-than-average interest rate on cash advances, so carrying a balance or withdrawing cash should be avoided to minimize fees.
Nasz werdykt
For Canadians looking for a simple and cost-effective credit card, the BMO CashBack Mastercard delivers solid value. The welcome bonus, zero annual fee, and flexible redemption options make it a strong contender, especially for newcomers or anyone focused on everyday cash back rewards.
