THE CARDTUNED DATABASE
BMO Cash Back Credit Card
Issuer: BMO · Network: Not Public
5% streaming/cable; 3% gas/EV and grocery on first $1,500 combined eligible purchases each quarter; 1% other
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% introductory APR on balance transfers for 12 months when transfers are completed within 90 days of account opening.
- Regular APR
- 19.49%–27.49% variable APR, based on creditworthiness.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Double cash back on eligible first-year purchases for applications submitted September 1–November 1, 2026.
- Spending requirement
- Eligible first-year purchases
- Time window
- First 12 months after account opening
- Published end date
- 2026-11-01
Offer last checked: 2026-09-08
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Streaming | 5% | streaming/cable A prior $250 welcome offer expired Aug. 31, 2026 and is intentionally not stored as current. Gas/EV/grocery 3% share $1,500 quarterly purchase cap. |
| Groceries & Gas & EV charging | 3% | gas/EV and grocery on first $1,500 combined eligible purchases each quarter A prior $250 welcome offer expired Aug. 31, 2026 and is intentionally not stored as current. Gas/EV/grocery 3% share $1,500 quarterly purchase cap. |
| Other purchases | 1% | other A prior $250 welcome offer expired Aug. 31, 2026 and is intentionally not stored as current. Gas/EV/grocery 3% share $1,500 quarterly purchase cap. |
Restrictions to know
Limited-time double-cash-back offer requires application from September 1 through November 1, 2026 and applies to eligible first-year purchases. Gas/EV charging/grocery 3% rewards share a $1,500 combined quarterly purchase cap; other exclusions and merchant coding rules apply.
Who can apply
U.S. applicant of legal age; subject to BMO credit approval, identity and income verification, and current product/application rules.
Credit profile: Not Public / issuer underwriting applies