{"id":793614,"date":"2019-07-23T01:53:43","date_gmt":"2019-07-23T05:53:43","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=793614"},"modified":"2026-01-11T16:06:40","modified_gmt":"2026-01-11T21:06:40","slug":"bmo-cashback-mastercard","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard","title":{"rendered":"BMO CashBack Mastercard review"},"content":{"rendered":"<h3>BMO CashBack Mastercard perks<\/h3><ul class=\"list-1\"><li><strong>No annual fee.<\/strong> Save money every year with a $0 annual fee.<\/li><li><strong>Earn cash back.<\/strong> Earn cash back at a standard rate of 3% on groceries (up to a maximum of $500 per statement cycle period), earn 1% on recurring bill payments (up to a maximum of $500 per statement cycle period) and earn 0.5% on all other eligible purchases (unlimited).<\/li><li><strong>Welcome bonus.<\/strong> Get up to 5% cash back in your first 3 months. Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.<\/li><li><strong>Flexible redemption.<\/strong> Redeem your cash back anytime through direct deposit into a BMO chequing or savings account, as a credit on your statement or into your BMO InvestorLine account.<\/li><li><strong>Car rental discounts.<\/strong> Save up to 20% on National Car Rental and Alamo Rent A Car and up to 5% on Enterprise Rent-A-Car locations worldwide.<\/li><li><strong>Discounted experiences.<\/strong> Save 20% on Cirque du Soleil shows in Canada and 15% off resident shows in Las Vegas.<\/li><li><strong>Zero-liability coverage.<\/strong> Rest easy knowing that your card is protected from unauthorized use with zero-liability coverage, provided you&#8217;ve met your responsibilities.<\/li><li><strong>Purchase protection.<\/strong> Many types of card purchases are eligible for purchase protection and extended warranty coverage.<\/li><li><strong>Optional balance protection.<\/strong> Purchase optional balance protection for events like death, disability or job loss. Coverage costs for $1 per $100 of your total statement balance (plus\u00a0applicable taxes).<\/li><li><strong>Save on groceries.<\/strong> Get three months of Instacart+ and a $5 monthly Instacart credit.<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-3\"><li><strong>Limited benefits.<\/strong> You won&#8217;t rewards points, complimentary travel insurance or discounted airport lounge access. To get more benefits, <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rewards-credit-cards\">check out rewards credit cards<\/a> with annual fees.<\/li><li><strong>Low cash back.<\/strong> The BMO CashBack Mastercard doesn&#8217;t offer the highest cash back rates on the market. <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/cash-back-credit-cards\">Browse more cash back cards here<\/a>.<\/li><li><strong>Minimum income and credit score requirements.<\/strong> You&#8217;ll have a decent chance of getting approved for this card if your credit score is 660 or higher.<\/li><\/ul><h3>BMO CashBack Mastercard interest rates<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Type<\/b><\/th><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Rate<\/b><\/th><\/tr><\/thead><tbody><tr><td>Purchase rate<\/td><td>21.99%<\/td><\/tr><tr><td>Cash advance<\/td><td>23.99% (21.99% for Quebec residents)<\/td><\/tr><tr><td>Balance transfer<\/td><td>23.99% (21.99% for Quebec residents)<\/td><\/tr><tr><td>Currency conversion fee<\/td><td>2.5%<\/td><\/tr><\/tbody><\/table><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\" style=\"text-decoration:underline; font-size:0.9em;\">Compare the best BMO credit cards<\/a>\n<\/div>\n<\/article><h3>What should I know before I apply for the BMO CashBack Mastercard?<\/h3><p>Here&#8217;s what you need to know before applying for the BMO CashBack card in Canada.<\/p><h4>Eligibility requirements<\/h4><ul><li>Be a citizen or permanent resident of Canada<\/li><li>No bankruptcies in the past seven years<\/li><li>Be at least the age of majority in your province or territory (18 or 19 years old)<\/li><li>Have a credit score of 660 or higher (recommended)<\/li><\/ul><h4>Required documents and information<\/h4><p>You don&#8217;t need many documents if you apply online, but if you apply in person at a local BMO branch, be prepared to provide two pieces of valid ID like a passport and driver&#8217;s licence. Your Social Insurance Number (SIN) is optional but can help speed up the application process, because it helps BMO verify your identity.<\/p><ul class=\"list-7\"><li>Personal information like your name, contact details, birth date and housing details.<\/li><li>Employment and financial information like your employment status, income (including sources), company name and phone number.<\/li><li>Your SIN (optional)<\/li><\/ul><h3>How to apply for the BMO CashBack Mastercard<\/h3><p>It takes less than 10 minutes to apply for the BMO CashBack card online. Here&#8217;s a step-by-step breakdown of the process:<\/p><ol><li><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/bmo-cashback-mastercard-secure.html?nb=1&src_country=ca&redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Visit%2BBMO%2527s%2Bwebsite%22%2C%22site%22%3A%22CACCF%22%2C%22offer_id%22%3A%2221489%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22bd82ba92-36f3-45a7-9c9d-fa0ea5815e34%22%2C%22product_name%22%3A%22BMO%2BCashBack%2BMastercard%22%2C%22provider_id%22%3A%22d2c47712-e4ff-4630-af29-f39e3997f320%22%2C%22provider_name%22%3A%22BMO%22%2C%22post_id%22%3A%22793614%22%2C%22post_path%22%3A%22credit-cards%252Fbmo-credit-cards%252Fbmo-cashback-mastercard%22%2C%22post_country%22%3A%22ca%22%7D\">Visit BMO's website<\/a> and select <strong>Apply now<\/strong>.<\/li><li>If you already have a BMO account, sign in to online banking. If not, begin an application as a new customer.<\/li><li>Review and agree to the terms.<\/li><li>Provide personal information like your name, birth date, SIN (optional), contact and housing details.<\/li><li>Provide employment information like your employment status, industry, company name, position, work phone number and how much you earn. You&#8217;ll have the option to enter income from non-traditional sources like gifts, investments, pensions and social assistance.<\/li><li>Indicate if you want to add another cardholder and if you want optional balance protection (for a fee).<\/li><li>Submit your application.<\/li><li>If approved, it could take several weeks to receive your new BMO CashBack Mastercard in the mail. Activate it online to begin spending.<\/li><\/ol><p style=\"text-align: center;\"><section class=\"hero-rates__cta\">\r\n        <div class=\"applylinks CACCF has-margin-top-small\">\r\n          <a\r\n            class=\"luna-button luna-button--success luna-button--cta has-margin-bottom-xsmall\"\r\n            rel=\"nofollow\"\r\n            href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/bmo-cashback-mastercard-secure.html?nb=1&src_country=ca&redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22bd82ba92-36f3-45a7-9c9d-fa0ea5815e34%22%2C%22product_name%22%3A%22BMO%2BCashBack%2BMastercard%22%2C%22offer_id%22%3A%2221489%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_BUTTON_DYNAMIC_CTA%22%2C%22niche_code%22%3A%22CACCF%22%2C%22post_id%22%3A%22793614%22%2C%22post_path%22%3A%22credit-cards%252Fbmo-credit-cards%252Fbmo-cashback-mastercard%22%2C%22post_country%22%3A%22ca%22%7D\"\r\n            target=\"_blank\">\r\n            Go to site\r\n          <\/a>\r\n\r\n        <\/div>\r\n      <\/section><h3>How safe is the BMO CashBack Card?<\/h3><p>The Bank of Montreal is a major, established bank in Canada. It&#8217;s regulated by the Office of the Superintendent of Financial Institutions Canada and is registered as a Money Services Business with FINTRAC (the Financial Transactions and Reports Analysis Centre of Canada).<\/p><p>BMO has a dedicated Financial Crimes Unit (FCU) for identifying and preventing threats around the clock. Other safety measures include encryption, firewalls and email security software.<\/p><p>You can also install optional software from BMO&#8217;s trusted partners, including IBM Trusteer Rapport (for desktop security), OnGuard (for online identity protection) and Interac verification service (for verifying your identity when signing up for new services).<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/best-credit-cards\" style=\"text-decoration:underline; font-size:0.9em;\">What are the best credit cards in Canada?<\/a>\n<\/div>\n<\/article><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">What are the benefits of BMO CashBack Mastercard?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The BMO CashBack Mastercard comes with 3% cash back on the first $500 of eligible grocery purchases, 1% cash back on the first $500 spent on eligible recurring bill payments and 0.5% cash back spent on everything else.<\/p><p>The card is worth considering if you want to earn back some of what you spend on everyday purchases without paying an annual fee. But you should consider other options if you want travel benefits or rewards points.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">How do I activate my BMO CashBack Mastercard?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Once you receive the BMO CashBack Mastercard, activate it online by going to BMO's website and navigating to <strong>Credit Cards > Credit Cards Overview > Activate my card<\/strong>.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Do BMO CashBack rewards expire?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No. As long as you keep your account open and in good standing, your BMO CashBack rewards won't expire.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\" >\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_484507451\" data-toggle=\"collapse\" data-target=\"#sources_484507451\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\" ><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_484507451\" data-accordion=\"details\" >\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.bmo.com\/main\/personal\/credit-cards\/bmo-cashback-mastercard\" target=\"_blank\">BMO: BMO CashBack Mastercard, Accessed October 16, 2025<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.bmo.com\/pdf\/PDF_MC%207613%20COB_insert_E.pdf\" target=\"_blank\">BMO: Important information about BMO Credit Cards, Last updated February 3, 2025<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/open.canada.ca\/data\/en\/dataset\/b27ec3ef-7338-4e76-a6fd-128339a92df5\/resource\/945045fa-2de0-47d4-aad2-144d69467824\" target=\"_blank\">Office of the Superintendent of Financial Institutions: Who we regulate, Last modified October 1, 2025<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/fintrac-canafe.canada.ca\/msb-esm\/msb-eng\" target=\"_blank\">FINTRAC: Money services businesses, Last modified October 1, 2025<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.bmo.com\/en-ca\/main\/personal\/security-centre\/\" target=\"_blank\">BMO: How we protect you, Accessed October 16, 2025<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Searching for a no-annual-fee card? Get cash back on everyday purchases with the BMO CashBack MasterCard.<\/p>\n","protected":false},"author":685,"featured_media":1043427,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"en","related_url":"\/bmo-cashback-mastercard","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[5988],"tags":[],"asset_tag":[],"class_list":["post-793614","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bmo-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BMO Cashback Mastercard Review : Is It Worth It? | Finder<\/title>\n<meta name=\"description\" content=\"With no annual fee and up to 3% cash back, the BMO CashBack Mastercard balances cost and reward. But the perks are limited.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BMO Cashback Mastercard Review: Is It Worth It? | Finder\" \/>\n<meta property=\"og:description\" content=\"With no annual fee and up to 3% cash back, the BMO CashBack Mastercard balances cost and reward. But the perks are limited.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-23T05:53:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/BMOCashBackMastercard_Supplied_1800x1000.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Stacie Hurst\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stacie Hurst\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard\"},\"author\":[{\"name\":\"Stacie Hurst\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55\"},{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/252a43e10a819c05764a610c2b59e414\"}],\"headline\":\"BMO CashBack Mastercard review\",\"datePublished\":\"2019-07-23T05:53:43+00:00\",\"dateModified\":\"2025-10-16T18:09:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard\"},\"wordCount\":1582,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/BMOCashBackMastercard_Supplied_1800x1000.jpg\",\"articleSection\":[\"BMO Credit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"BMO: BMO CashBack Mastercard, Accessed October 16, 2025\",\"url\":\"https:\/\/www.bmo.com\/main\/personal\/credit-cards\/bmo-cashback-mastercard\"},{\"@type\":\"CreativeWork\",\"name\":\"BMO: Important information about BMO Credit Cards, Last updated February 3, 2025\",\"url\":\"https:\/\/www.bmo.com\/pdf\/PDF_MC%207613%20COB_insert_E.pdf\"},{\"@type\":\"CreativeWork\",\"name\":\"Office of the Superintendent of Financial Institutions: Who we regulate, Last modified October 1, 2025\",\"url\":\"https:\/\/open.canada.ca\/data\/en\/dataset\/b27ec3ef-7338-4e76-a6fd-128339a92df5\/resource\/945045fa-2de0-47d4-aad2-144d69467824\"},{\"@type\":\"CreativeWork\",\"name\":\"FINTRAC: Money services businesses, Last modified October 1, 2025\",\"url\":\"https:\/\/fintrac-canafe.canada.ca\/msb-esm\/msb-eng\"},{\"@type\":\"CreativeWork\",\"name\":\"BMO: How we protect you, Accessed October 16, 2025\",\"url\":\"https:\/\/www.bmo.com\/en-ca\/main\/personal\/security-centre\/\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard\",\"url\":\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard\",\"name\":\"BMO Cashback Mastercard Review : Is It Worth It? | Finder\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/BMOCashBackMastercard_Supplied_1800x1000.jpg\",\"datePublished\":\"2019-07-23T05:53:43+00:00\",\"dateModified\":\"2025-10-16T18:09:52+00:00\",\"description\":\"With no annual fee and up to 3% cash back, the BMO CashBack Mastercard balances cost and reward. But the perks are limited.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#primaryimage\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/BMOCashBackMastercard_Supplied_1800x1000.jpg\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/BMOCashBackMastercard_Supplied_1800x1000.jpg\",\"width\":1800,\"height\":1000},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"CA\",\"item\":\"https:\/\/www.finder.com\/ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit Cards\",\"item\":\"https:\/\/www.finder.com\/ca\/credit-cards\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"BMO Credit Cards\",\"item\":\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"BMO CashBack Mastercard review\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finder.com\/ca\/#website\",\"url\":\"https:\/\/www.finder.com\/ca\/\",\"name\":\"Finder Canada\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finder.com\/ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\",\"name\":\"Finder\",\"url\":\"https:\/\/www.finder.com\/ca\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/en.wikipedia.org\/wiki\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55\",\"name\":\"Stacie Hurst\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/StacieHurstF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/StacieHurstF1_Finder_600x600.png\",\"caption\":\"Stacie Hurst\"},\"description\":\"Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/stacie-hurst\"],\"url\":\"https:\/\/www.finder.com\/ca\/author\/staciehurst\",\"jobTitle\":\"Associate editor\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Stock Trading\"},{\"@type\":\"Thing\",\"name\":\"Cryptocurrency\"},{\"@type\":\"Thing\",\"name\":\"Personal Loans\"},{\"@type\":\"Thing\",\"name\":\"Car Loans\"},{\"@type\":\"Thing\",\"name\":\"Credit Cards\"}],\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/252a43e10a819c05764a610c2b59e414\",\"name\":\"Claire Horwood\",\"description\":\"Claire Horwood was 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, and an Associate\u2019s Degree in Science from Camosun College. Much of Claire\u2019s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee.\",\"jobTitle\":\"Associate editor\",\"url\":\"https:\/\/www.finder.com\/ca\/author\/clairehorwood\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/clairehorwood\/\"],\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Personal Loans\"},{\"@type\":\"Thing\",\"name\":\"Car Loans\"},{\"@type\":\"Thing\",\"name\":\"Business Loans\"},{\"@type\":\"Thing\",\"name\":\"Credit Cards\"}],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/\/252a43e10a819c05764a610c2b59e414\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ClaireHorwoodF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ClaireHorwoodF1_Finder_600x600.png\",\"caption\":\"Claire Horwood\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\",\"name\":\"Finder\"}},{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"name\":\"Frequently Asked Questions\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What are the benefits of BMO CashBack Mastercard?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rThe BMO CashBack Mastercard comes with 3% cash back on the first $500 of eligible grocery purchases, 1% cash back on the first $500 spent on eligible recurring bill payments and 0.5% cash back spent on everything else.\\r\\rThe card is worth considering if you want to earn back some of what you spend on everyday purchases without paying an annual fee. But you should consider other options if you want travel benefits or rewards points.\\r\"}},{\"@type\":\"Question\",\"name\":\"How do I activate my BMO CashBack Mastercard?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rOnce you receive the BMO CashBack Mastercard, activate it online by going to BMO's website and navigating to <strong>Credit Cards > Credit Cards Overview > Activate my card<\/strong>.\\r\"}},{\"@type\":\"Question\",\"name\":\"Do BMO CashBack rewards expire?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rNo. As long as you keep your account open and in good standing, your BMO CashBack rewards won't expire.\\r\"}}]}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2025-10-16T18:09:52+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"BMO Cashback Mastercard Review : Is It Worth It? | Finder","description":"With no annual fee and up to 3% cash back, the BMO CashBack Mastercard balances cost and reward. But the perks are limited.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard","og_locale":"en_US","og_type":"article","og_title":"BMO Cashback Mastercard Review: Is It Worth It? | Finder","og_description":"With no annual fee and up to 3% cash back, the BMO CashBack Mastercard balances cost and reward. But the perks are limited.","og_url":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard","og_site_name":"Finder Canada","article_published_time":"2019-07-23T05:53:43+00:00","og_image":[{"width":1800,"height":1000,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/BMOCashBackMastercard_Supplied_1800x1000.jpg","type":"image\/jpeg"}],"author":"Stacie Hurst","twitter_misc":{"Written by":"Stacie Hurst","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#article","isPartOf":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard"},"author":[{"name":"Stacie Hurst","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55"},{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/252a43e10a819c05764a610c2b59e414"}],"headline":"BMO CashBack Mastercard review","datePublished":"2019-07-23T05:53:43+00:00","dateModified":"2025-10-16T18:09:52+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard"},"wordCount":1582,"publisher":{"@id":"https:\/\/www.finder.com\/ca\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/BMOCashBackMastercard_Supplied_1800x1000.jpg","articleSection":["BMO Credit Cards"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"citation":[{"@type":"CreativeWork","name":"BMO: BMO CashBack Mastercard, Accessed October 16, 2025","url":"https:\/\/www.bmo.com\/main\/personal\/credit-cards\/bmo-cashback-mastercard"},{"@type":"CreativeWork","name":"BMO: Important information about BMO Credit Cards, Last updated February 3, 2025","url":"https:\/\/www.bmo.com\/pdf\/PDF_MC%207613%20COB_insert_E.pdf"},{"@type":"CreativeWork","name":"Office of the Superintendent of Financial Institutions: Who we regulate, Last modified October 1, 2025","url":"https:\/\/open.canada.ca\/data\/en\/dataset\/b27ec3ef-7338-4e76-a6fd-128339a92df5\/resource\/945045fa-2de0-47d4-aad2-144d69467824"},{"@type":"CreativeWork","name":"FINTRAC: Money services businesses, Last modified October 1, 2025","url":"https:\/\/fintrac-canafe.canada.ca\/msb-esm\/msb-eng"},{"@type":"CreativeWork","name":"BMO: How we protect you, Accessed October 16, 2025","url":"https:\/\/www.bmo.com\/en-ca\/main\/personal\/security-centre\/"}],"commentCount":0},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard","url":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard","name":"BMO Cashback Mastercard Review : Is It Worth It? | Finder","isPartOf":{"@id":"https:\/\/www.finder.com\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/BMOCashBackMastercard_Supplied_1800x1000.jpg","datePublished":"2019-07-23T05:53:43+00:00","dateModified":"2025-10-16T18:09:52+00:00","description":"With no annual fee and up to 3% cash back, the BMO CashBack Mastercard balances cost and reward. But the perks are limited.","breadcrumb":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/BMOCashBackMastercard_Supplied_1800x1000.jpg","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/07\/BMOCashBackMastercard_Supplied_1800x1000.jpg","width":1800,"height":1000},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"CA","item":"https:\/\/www.finder.com\/ca\/"},{"@type":"ListItem","position":2,"name":"Credit Cards","item":"https:\/\/www.finder.com\/ca\/credit-cards"},{"@type":"ListItem","position":3,"name":"BMO Credit Cards","item":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards"},{"@type":"ListItem","position":4,"name":"BMO CashBack Mastercard review"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/ca\/#website","url":"https:\/\/www.finder.com\/ca\/","name":"Finder Canada","description":"","publisher":{"@id":"https:\/\/www.finder.com\/ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/ca\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55","name":"Stacie Hurst","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/StacieHurstF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/StacieHurstF1_Finder_600x600.png","caption":"Stacie Hurst"},"description":"Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family.","sameAs":["https:\/\/www.linkedin.com\/in\/stacie-hurst"],"url":"https:\/\/www.finder.com\/ca\/author\/staciehurst","jobTitle":"Associate editor","knowsAbout":[{"@type":"Thing","name":"Banking"},{"@type":"Thing","name":"Stock Trading"},{"@type":"Thing","name":"Cryptocurrency"},{"@type":"Thing","name":"Personal Loans"},{"@type":"Thing","name":"Car Loans"},{"@type":"Thing","name":"Credit Cards"}],"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/252a43e10a819c05764a610c2b59e414","name":"Claire Horwood","description":"Claire Horwood was 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, and an Associate\u2019s Degree in Science from Camosun College. Much of Claire\u2019s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee.","jobTitle":"Associate editor","url":"https:\/\/www.finder.com\/ca\/author\/clairehorwood","sameAs":["https:\/\/www.linkedin.com\/in\/clairehorwood\/"],"knowsAbout":[{"@type":"Thing","name":"Banking"},{"@type":"Thing","name":"Personal Loans"},{"@type":"Thing","name":"Car Loans"},{"@type":"Thing","name":"Business Loans"},{"@type":"Thing","name":"Credit Cards"}],"image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/\/252a43e10a819c05764a610c2b59e414","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ClaireHorwoodF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ClaireHorwoodF1_Finder_600x600.png","caption":"Claire Horwood"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@context":"https:\/\/schema.org","@type":"FAQPage","name":"Frequently Asked Questions","mainEntity":[{"@type":"Question","name":"What are the benefits of BMO CashBack Mastercard?","acceptedAnswer":{"@type":"Answer","text":"\rThe BMO CashBack Mastercard comes with 3% cash back on the first $500 of eligible grocery purchases, 1% cash back on the first $500 spent on eligible recurring bill payments and 0.5% cash back spent on everything else.\r\rThe card is worth considering if you want to earn back some of what you spend on everyday purchases without paying an annual fee. But you should consider other options if you want travel benefits or rewards points.\r"}},{"@type":"Question","name":"How do I activate my BMO CashBack Mastercard?","acceptedAnswer":{"@type":"Answer","text":"\rOnce you receive the BMO CashBack Mastercard, activate it online by going to BMO's website and navigating to <strong>Credit Cards > Credit Cards Overview > Activate my card<\/strong>.\r"}},{"@type":"Question","name":"Do BMO CashBack rewards expire?","acceptedAnswer":{"@type":"Answer","text":"\rNo. As long as you keep your account open and in good standing, your BMO CashBack rewards won't expire.\r"}}]}]},"article_modified_time":"2025-10-16T18:09:52+00:00"},"hrefLangLinks":[{"region":"Canada","locale":"en-ca","url":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard","isCurrentSite":true}],"custom_fields":{"show_author_box":["yes"],"_masthead_subheading":["{\"text\":\"Skip annual fees and earn cash back with this no-frills rewards credit card.\"}"],"_content_type":["niche-content\/recommendation\/product-review"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"custom_post_template":["single-product-review.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/793614"}],"collection":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/users\/685"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/comments?post=793614"}],"version-history":[{"count":12,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/793614\/revisions"}],"predecessor-version":[{"id":1069428,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/793614\/revisions\/1069428"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media\/1043427"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media?parent=793614"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/categories?post=793614"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/tags?post=793614"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/asset_tag?post=793614"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}