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Shell CashBack Mastercard from BMO Review

Claire Horwood

Last updated: Jan 7, 2021

Save money and get a decent return on cash back when you purchase gas and other products at Shell.

Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.

19.99%

Purchase Interest Rate

Annual Fee

Details

Product Name	Shell CashBack Mastercard from BMO
Reward	Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
Welcome Offer	Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
Purchase Interest Rate	19.99%
Cash Advance Rate	22.99% (21.99% for Quebec residents)
Balance Transfer Rate	22.99%
Interest Free Period	Up to 21 days
	Apply now More Info

Annual Fee	$0
Monthly Service Fee	N/A
Over Credit Line Fee	$29
Balance Transfer Fee	3%
Penalty APR	24.99%
Dishonoured Payment Fee	$48
Foreign Currency Conversion Fee	2.5%
Cash Advance Minimum Fee	$5
Late Payment Fee	N/A
	Apply now More Info

Credit Score	660
Minimum Age	Age of majority in the province/territory of residence.
Minimum Income	$15,000
Household Income	N/A
	Apply now More Info

Claire Horwood

Claire Horwood is a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, along with an Associate's Degree in Science from Camosun College. Much of Claire's coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. She has also worked extensively in the field of "Blended Finance" with the Canadian government. In her spare time, Claire loves rock climbing, travelling and drinking inordinate amounts of coffee.

30-second take

Think about this card if you want gas rebates and a decent cash back return.

Choose something else if you’re looking for more benefits or a low interest rate.

There are no income requirements to qualify for this card.

The basics

If you want a fee-free card that lets you earn extra cash back on gas, then the Shell CashBack Mastercard from BMO could be the right fit for you.

No annual fee. Save money with no annual fee.
Cash back rewards.Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spending of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
Welcome offer. Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
Purchase protection. Rest easy knowing your purchases are insured against damage with extended warranty coverage.

The perks

Instant pay. Tap to pay on the go with Mastercard contactless payment and Apple Pay.
Enhanced security. Protect your online purchases with Mastercard SecureCode.
Extra cards for free. Grab as many extra cards as you need for no added fee.

What to watch out for

Low return. You’ll only earn 0.5% cash back on purchases made outside of Shell.
High interest. You’ll pay 19.99% on outstanding balances and 22.99% (21.99% for Quebec residents) on cash advances.
No travel insurance. The card doesn’t offer complimentary travel or health insurance coverage.

What should I know before I apply

To apply for a Shell CashBack Mastercard from BMO, you need to meet the following criteria:
- Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces)
- Your name, residential status and contact information.
- Your social insurance number and date of birth.
- Your email address and phone number.

How to apply

Click “Go to site” on this page to be directed to the Shell CashBack Mastercard from BMO application.
Complete the application, which includes providing your name, email address, social insurance number and birth date.
Review and submit your application.

Bottom line

The Shell CashBack Mastercard from BMO is a good fit for loyal Shell customers looking for a fee-free card that offers cash back. It comes with a welcome offer and basic insurance – but provides few additional benefits.