BMO Cash Back Mastercard
By Alex Compton · Last verified
5% on streaming and cable, a bonus category nobody else leads with.
Welcome Bonus
None
Limited-time cashback match: double cash back on purchases in the first 12 months for applications received September 1 to November 1, 2026 (gas, EV charging and grocery doubling capped at $6,000), paid 3 to 4 weeks after month 12
Spend Requirement
None
in 12 months
Annual Fee
$0
3% FTF
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.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Offer ended: $200 → $0 · Spend: $2,000 → $0 · Window: 3 months → 12 monthsLimited-time cashback match: double cash back on purchases in the first 12 months for applications received September 1 to November 1, 2026 (gas, EV charging and grocery doubling capped at $6,000), paid 3 to 4 weeks after month 12 | BMO Cash Back Mastercard product page → |
| 2026-06 | $200 | $2,000 in 3 mo | Bonus increased: $0 → $200 · Spend: $0 → $2,000 · Window: 0 months → 3 months$200 cash back promo | Archive record · no attached snapshot |
| 2025-01 | $0 | No recorded spend | Earliest recordNo standing bonus between promos | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
$200 promo replaced by first-year double cash back for applications 9/1-11/1/2026 (gas/grocery doubling capped at $6,000); 5/3/1 earn, $1,500 quarterly cap, $0 fee confirmed
Fields: currentOffer, benefits
BMO Cash Back Mastercard product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xEligible streaming, cable TV and satellite services
- 3xGas, EV charging and groceriesUp to $1,500 combined per quarter
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cell phone protection up to $400 when you pay your phone bill with the card
- ✦0% intro APR for 12 months on balance transfers made in the first 90 days
- ✦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
- +First-year double cash back for applications through November 1, 2026
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; the current first-year double cash back (applications through November 1, 2026) is the time to grab it.
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