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Shell CashBack World Mastercard from BMO Review

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Earn a top return on cashback and qualify for exclusive benefits when you purchase gas and other products at Shell.

This premium gas credit card offers 3% cash back at Shell locations across Canada and 1.25% cash back everywhere else. It also comes with roadside assistance, travel insurance and discounts on gas at Shell.


Purchase Interest Rate


Annual Fee


Product NameShell CashBack World Mastercard from BMO
RewardGet 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.
Welcome OfferN/A
Purchase Interest Rate19.99%
Cash Advance Rate22.99% (21.99% for Quebec residents)
Balance Transfer Rate22.99%
Interest Free Period Up to 21 days
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More Info

30-second take

  • Think about this card if you want gas rebates and a decent cashback return.
  • Choose something else if you want a low interest rate and no annual fee.
  • You will need an individual income of $60,000 or a household income of $100,000 to qualify for this card.

The basics

If you want a premium gas card that lets you earn a top return on cashback along with a full suite of benefits, then the Shell CashBack World Mastercard from BMO could be the right fit for you.

  • Cashback rewards. Earn 1.25% cashback when you spend money on your card (with a 3% return on purchases made at Shell).
  • Travel insurance. Take advantage of travel insurance, including protection for flight delays, baggage loss and more.
  • Roadside assistance. Get free basic coverage for towing and other services with BMO roadside assistance.
  • Car rental insurance. Get collision insurance on your next rental car with built-in coverage when you pay with your card.
  • Purchase protection. Rest easy knowing your purchases are insured against damage with extended warranty coverage.

The perks

  • Tap and pay. Pay instantly with Mastercard contactless payment and Apple Pay.
  • Enhanced security. Use your Mastercard SecureCode to protect your information when shopping online.
  • Worldwide acceptance. Shop with confidence when you travel overseas knowing that Mastercard is accepted worldwide.

What to watch out for

  • Annual fee. The fee for this card is $79 per year.
  • High interest. Any outstanding balance or cash advance will cost you around 22.99% in interest every month.
  • No welcome offer. You won’t get any added benefits in your first few months.
  • No points. While your cashback rewards are flexible, you won’t have the option to collect and redeem points.
  • No travel medical. The card doesn’t offer complimentary travel medical or health insurance coverage.
  • Fee for additional cards. You’ll pay an additional fee if you want to get more than one card.
  • Difficult to qualify. The minimum income you’ll need to qualify for this card is $60,000.

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 World 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 World Mastercard from BMO is a good fit for loyal Shell customers looking for a high return on cashback. It offers roadside assistance, travel benefits and exclusive savings at Shell for a reasonable annual fee.

Frequently asked questions about the Shell CashBack World Mastercard

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