Our verdict
Earn cash back at a standard rate of 3% on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases. Plus, take advantage of an introductory balance transfer offer, no annual fee and flexible cash back redemption options.Best for: Those looking for a basic cash back credit card.
- No annual fee
- Get 5% cash back on all eligible purchases in the first three months (up to a maximum spend of $2,500).
- Earn up to 3 cash back
- Introductory balance transfer offer
- You'll earn a lower cash back rate than other cash back cards on the market
- Fewer benefits than other BMO credit cards
Purchase Interest Rate
20.99%
Cash Advance Rate
22.99%
Balance Transfer Rate
0.99% for the first 9 months