BMO CashBack^® World Elite^®* Mastercard^®*

When you make a purchase at a grocery store or supermarket that sells a complete line of food products (think vegetables, ice cream and everything in between), you can earn 5% cash back up to a limit of $500 spent for a given statement period.⁷⁵

When paying for public transit, taxis, ride sharing and more, you can earn 4% cash back up to a limit of $300 spent for a given statement period.⁷⁷

Whether you pay for gas in-store or at the pump at your local service station, you can earn 3% cash back up to a limit of $300 spent for a given statement period. Thinking about going green? Where available, electric vehicle charging station purchases can also be included with gas purchases to earn 3% cash back up to a limit of $300 spent for a given statement period.⁷⁸

Recurring bill payments are made on a regular basis – your monthly Internet bill, for example. The merchant (or your Internet service provider) automatically bills your card each month. This sort of automatic bill payment made with your BMO CashBack^® World Elite^®* Mastercard^®* may be eligible for 2% cash back up to a limit of $500 spent for a given statement period.

Not all merchants offer recurring payments, and not every recurring bill payment will earn the bonus cash back, so check with your providers to find out how they are processing your bill payment.⁷⁹

It’s easy! There are three simple ways to see how much you’ve earned:

1. Log in to bmocashback.com;

   or

2. Check your cash back balance on your monthly BMO credit card statement;

   or

3. Check your cash back balance when you log in to BMO Online Banking or the BMO Mobile Banking app.

To help you keep tabs on your cash back activity, your Online Statement shows you how much you’ve earned, up to the billing date. Any cash back earned after the billing date will be included in your next month’s statement.

You can redeem your cash back for as little as $1 by visiting bmocashback.com. You can also setup recurring redemptions for as little as $25. You have the option to redeem your cash back right into your BMO chequing or savings account, or as a statement credit on your BMO CashBack World Elite Mastercard.

You’ll need to share a few things to open an account online, including your name, date of birth, contact info, Social Insurance Number (SIN), address, employment status, income source(s), and rent or mortgage amount. The better picture we have of your financial health, the faster we can let you know if your application has been approved.

There are a few requirements you need to meet to apply for a credit card with us.

• Be a Canadian citizen or permanent resident
• Have not declared bankruptcy in the past seven years
• Have reached the age of majority in the province in which you live (18 years in AB, MB, ON, PE, QC and SK. 19 years in all other provinces)
• Meet minimum income requirements: $80,000 (individual) or $150,000 (household)

Yes. We’re committed to protecting your confidential information and privacy and we continuously employ the latest security software to our sites and apps.

Additionally, our digital experiences have been upgraded with extended validation (EV) SSL Certificates, which add another layer of protection by identifying our sites and applications as legitimate.

If you have an emergency at home or away, you can contact the Mastercard Assistance Centre 24 hours a day: 1-800-247-4623 (within Canada and the U.S.) or 1-314-275-6690 (outside North America, call collect).

To get started, simply login and follow these steps for recent eligible credit card purchases of $100 CADCanadian currency or more:

1. Choose an eligible credit card purchase you’d like to convert into a PaySmart plan.
2. Go to the Installment Plan tab and click the Create button.
3. Select the plan that works best for you.