Shell CashBack Mastercard from BMO Review

Last updated:  

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

The Shell CashBack Mastercard from BMO is a basic fee-free card that offers 1.5% cash back at Shell locations across Canada and 0.5% everywhere else.


Purchase Interest Rate


Annual Fee


Balance Transfer Rate


Product NameShell CashBack Mastercard from BMO
RewardEarn 1.5% cash back per $1 spent at Shell stations in Canada and 0.5% on everything else.
Welcome OfferGet $50 limited bonus cash back upon first spend. Ends January 15, 2020.
Purchase Interest Rate19.99%
Cash Advance Rate22.99%
Balance Transfer Rate22.99%
Interest Free Period Up to 21 days
Go to site
More Info

30-second take

  • Think about this card if you want gas rebates and a decent cashback 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 cashback and discounts 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.
  • Decent return. Earn 1.5% cashback on purchases at Shell and 0.5% on everything else.
  • Intro offer. Get a 1% cashback return on all purchases in your first 6 months.
  • Welcome bonus. Get $50 limited bonus cash back upon first spend. Ends January 15, 2020..
  • 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 not made at Shell (which is about $5 on every $1,000 you spend).
      • Conditional welcome offer. Your intro bonus will be cancelled if you close your account within 30 days, and you’ll lose any cashback you earn if you close it within 180 days.
      • High interest. Any outstanding balance or cash advance will cost you around 20% in interest every month.
      • No travel insurance. The card doesn’t offer complimentary travel or health insurance coverage.

      What should I know before I apply

      How to apply

      1. Click “Go to site” on this page to be directed to the Shell CashBack Mastercard from BMO application.
      2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
      3. 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 cashback. It comes with a welcome offer and basic insurance but provides few additional benefits.

      Frequently asked questions about the Shell CashBack Mastercard from BMO


Go to site