BMO CashBack Mastercard
Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
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Is this card right for you?
BMO's no-fee cash back Mastercard: 3% on groceries, 1% on recurring bills, 0.5% base — a free grocery-focused cash back card.
Grocery spenders who want a free 3%-grocery card.
BMO clients wanting no-fee cash back.
Your grocery spend exceeds the cap.
Your spend is spread thin (0.5% base); you spend abroad (2.5% FX).
Watch-outs 3% grocery has a monthly/annual cap — verify (value erodes past it). · 0.5% base; 2.5% FX fee.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.