{"id":808147,"date":"2019-10-02T11:29:41","date_gmt":"2019-10-02T15:29:41","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=808147"},"modified":"2025-12-15T14:02:07","modified_gmt":"2025-12-15T19:02:07","slug":"bmo-cashback-mastercard-for-students","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-cashback-mastercard-for-students","title":{"rendered":"Students BMO CashBack Mastercard review"},"content":{"rendered":"<h3>Features of the Student BMO CashBack Mastercard<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 25%;\" scope=\"col\">Feature<\/th><th style=\"width: 75%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td><strong>Purchase interest rate<\/strong><\/td><td>21.99%<\/td><\/tr><tr><td><strong>Maximum rewards<\/strong><\/td><td>Up to 3% cash back<\/td><\/tr><tr><td><strong>Signup bonus<\/strong><\/td><td>Get up to 5% cash back in the first three months (up to a maximum spend of $2,500, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter).<br \/><br \/><\/td><\/tr><tr><td><b>Annual fee<\/b><\/td><td>$0<\/td><\/tr><tr><td><strong>Minimum income<\/strong><\/td><td>$0<\/td><\/tr><tr><td><strong>Contactless payment methods<\/strong><\/td><td>Google Pay<br \/>Apple Pay<br \/><\/td><\/tr><tr><td><strong>Minimum credit score<\/strong><\/td><td>660<\/td><\/tr><\/tbody><\/table><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/bmo-cashback-mastercard-student-variation-secure.html?nb=1&src_country=ca&redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CACCF%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bhas-margin-top-small%22%2C%22offer_id%22%3A%2221489%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%228d80c8e2-4f5e-4c54-938f-0a13142a30be%22%2C%22product_name%22%3A%22BMO%2BCashBack%2BMastercard%2BFor%2BStudents%22%2C%22provider_id%22%3A%22d2c47712-e4ff-4630-af29-f39e3997f320%22%2C%22provider_name%22%3A%22BMO%22%2C%22post_id%22%3A%22808147%22%2C%22post_path%22%3A%22credit-cards%252Fbmo-credit-cards%252Fbmo-cashback-mastercard-for-students%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success has-margin-top-small\">Go to site<\/a><h3>The benefits of the Student BMO CashBack Mastercard<\/h3><ul class=\"list-1\"><li><strong>No annual fee. <\/strong> The Student BMO CashBack Mastercard card has a $0 annual fee.<\/li><li><strong>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 the first three months (up to a maximum spend of $2,500, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter).<br \/><br \/><\/li><li><strong>Flexible redemption. <\/strong>Redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account.<\/li><li><strong>Product coverage. <\/strong> Get purchase protection and extended warranty coverage on most products you buy with your card \u2013 a handy feature when purchasing electronics for school like a laptop, tablet or phone.<\/li><li><strong>Basic eligibility criteria.<\/strong> You&#8217;ll need to meet basic age and residency requirements to be eligible for this card.<\/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 at locations worldwide using the Car Rental Booking tool.<\/li><li><strong>Enhanced security. <\/strong>Shop online safely and with peace of mind knowing that you&#8217;re covered with Mastercard SecureCode.<\/li><li><strong>Zero-liability coverage. <\/strong> Rest easy knowing that your card is protected from unauthorized use with zero-liability coverage.<\/li><li><strong>24\/7 support. <\/strong> If you have any issues with your account, the BMO customer service team are available to help 24\/7.<\/li><li><strong>Optional benefits. <\/strong> For an additional fee, take advantage of extra benefits like roadside assistance and balance protection.<\/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>Low cash back earn rate. <\/strong>Although you won&#8217;t have to pay an annual fee for this card, the earn rate is low when compared to other similar no annual fee products on the market.<\/li><li><strong>No points. <\/strong> Although it&#8217;s easy to see the rewards you earn with cash back, rewards point credit cards tend to have much higher earn rates per $1 spent.<\/li><li><strong>Fewer benefits. <\/strong> You&#8217;ll receive fewer benefits than with premium credit cards offered by BMO.<\/li><\/ul><h3>BMO Student 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 interest rate<\/td><td>21.99%<\/td><\/tr><tr><td>Cash advance rate<\/td><td>23.99% (21.99% for Quebec residents)<\/td><\/tr><tr><td>Standard balance transfer rate<\/td><td>23.99% (21.99% for Quebec residents)<\/td><\/tr><\/tbody><\/table><h3>Am I eligible for the Student BMO CashBack Mastercard?<\/h3><p>To apply for the BMO Student CashBack Mastercard, you need to meet the following criteria:<\/p><h4>Eligibility requirements<\/h4><p>To apply for a BMO CashBack Mastercard for students, you&#8217;ll need to meet the following criteria:<\/p><ul class=\"list-7\"><li data-bind=\"html: $data\">Be a Canadian citizen or a permanent resident<\/li><li data-bind=\"html: $data\">Be at least 18 years old (19 in some provinces)<\/li><\/ul><p>You will also need to provide the following documents and information:<\/p><ul class=\"list-7\"><li>Your name, residential status, permanent address and contact information<\/li><li>Your Social Insurance number (SIN) and date of birth<\/li><li>Your email address and phone number<\/li><\/ul><h3>How to apply for the Student BMO CashBack Mastercard<\/h3><ol><li>Click the green <b>Go to site<\/b> button to be directed to the secure <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%22Student%2BBMO%2BCashBack%2BMastercard%2Bapplication%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%22808147%22%2C%22post_path%22%3A%22credit-cards%252Fbmo-credit-cards%252Fbmo-cashback-mastercard-for-students%22%2C%22post_country%22%3A%22ca%22%7D\">Student BMO CashBack Mastercard application<\/a>.<\/li><li>Read through the Disclosure Statement details and click <strong>Accept &amp; Continue<\/strong>.<\/li><li>Fill in the application with details that include your name, email address, phone number, permanent address, social insurance number and birth date.<\/li><li>Review and submit your application.<\/li><\/ol><h3>Bottom line<\/h3><p>If you&#8217;re student looking to avoid paying an annual fee and want to build up a credit history in order to graduate to a more powerful card, the BMO CashBack Mastercard might be a good fit. You&#8217;ll be rewarded for your everyday spending with cashback and can reap other perks that the Student BMO CashBack Mastercard offers, like car rental discounts.<\/p><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 Student BMO Mastercard purchases are ineligible for cashback?<\/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><p>Ineligible BMO Student CashBack Mastercard purchases typically include using your card at an ATM to withdraw cash, as well as gambling purchases, buying gift cards and paying for foreign currency or traveller's cheques with your credit card.<\/p><\/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\">Does the BMO Student CashBack Mastercard have a welcome offer?<\/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><p>Yes, depending on when you signup. Get up to 5% cash back in the first three months (up to a maximum spend of $2,500, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter).<br \/><br \/><\/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\">Will my cash back expire with the Student 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-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>The short answer is no \u2013 as long as you keep your BMO account open and in good standing, your cash back won't expire.<\/p><\/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-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Can I apply online for the Student BMO CashBack Mastercard online?<\/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-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>Yes, you can apply online. Just go to the BMO website or click the \"Go to Site\" button in the table above to be redirected to the secure application.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<small><\/small><\/p>","protected":false},"excerpt":{"rendered":"<p>Looking for a no annual fee credit card that rewards you with money for your spending? Find out if the BMO\u00ae CashBack\u00ae MasterCard\u00ae* for students is right for your needs.<\/p>\n","protected":false},"author":452,"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,"footnotes":""},"categories":[5988],"tags":[5891,1889,5439,4083],"asset_tag":[],"class_list":["post-808147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bmo-credit-cards","tag-bmo","tag-credit-card","tag-latest-3","tag-students"],"apple_news_notices":[],"yoast_head":"<!-- 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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\/bfddbe38fd9e7ed027d3bd4980d7384f\",\"name\":\"Emma Balmforth\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/07\/EmmaBalmforth_Finder_600x600.jpg\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/07\/EmmaBalmforth_Finder_600x600.jpg\",\"caption\":\"Emma Balmforth\"},\"description\":\"Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. 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