BMO Cash Back World Elite 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.
Earn rates by category
Card details
Is this card right for you?
BMO's cash back World Elite: 5% on groceries, 4% on transit, 3% on gas, 1% elsewhere — high category cash back at a mid-tier fee.
Grocery-heavy households who want the highest headline grocery rate (5%).
BMO clients wanting category cash back.
Your grocery spend exceeds the cap often.
You'd prefer no fee or spend abroad (2.5% FX).
Watch-outs 5% grocery has an annual cap — verify current limit (this is where value erodes). · 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.