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BMO Cash Back Mastercard

By Alex Compton · Last verified

5% on streaming and cable, a bonus category nobody else leads with.

★ 6.5/10BMOpersonalCash Back
Offer recheck in progressBest for: Households with big streaming and grocery bills

Welcome Bonus

Under review

Current claim suppressed

Spend Requirement

Under review

Annual Fee

Under review

Last recorded terms remain in the history below

Credit Score

670+

(Good)

Historical Offers Chart

Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.

Sign-Up Bonus (value)Spending Requirement ($)
$0$63$125$188$250$0$1,000$2,000$3,000$4,0002025-012026-01Sign-Up BonusSpending Requirement ($)
ObservedOfferRequirementWhat changedEvidence
2026-06$200$2,000 in 3 moBonus increased: $0 → $200 · Spend: $0 → $2,000 · Window: 0 → 3 months$200 cash back promoArchive record · no attached snapshot
2025-01$0No recorded spendEarliest recordNo standing bonus between promosArchive record · no attached snapshot

Primary-source verification log

Append-only evidence ledger

Event-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.

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Source checked 2026-06-11 · spot an outdated offer? Report a correction above.

Last Recorded Earning Rates

These terms are historical context and are not presented as current.

  • 5xEligible streaming, cable TV and satellite services
  • 3xGas, EV charging and groceriesUp to $1,500 combined per quarter
  • 1xEverything else

Last Recorded Credits

No statement credits, this card wins on earn rates, not coupons.

Last Recorded Benefits

Confirm availability and enrollment requirements with the issuer.

  • ✦Mobile phone theft and damage protection
  • ✦No annual fee

Why it earns its spot

  • +5% streaming is a free raise on bills you already pay
  • +3% gas and grocery covers real spending
  • +$200 promo bonus when running

Where it costs you

  • −$1,500 quarterly cap on the 3% tier
  • −Streaming spend is small, so the 5% headline is worth maybe $50 a year
  • −3% FTF

The Compound Verdict

A respectable everyday card hiding behind a gimmick headline. The 3% gas and grocery tier does the actual work; grab it during a $200 promo window or not at all.

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