canadacash backyr 1 free

BMO CashBack World Elite Mastercard

5% groceries is real but the monthly caps are tiny. $139 after year one.

annual fee

$139

welcome bonus

$480

first-year fee waived

foreign transaction fee

2.5%

earn rates

groceries · 1% after $500/statement · up to $500/month5%

transit + rideshare · incl. rideshare + taxis; 1% after · up to $300/month4%

gas + ev · incl. ev charging; 1% after · up to $300/month3%

everything else1%

at recurring bills + streaming · 1% after · up to $500/month2%

store-only rates show here but aren't counted in your wallet math.

spend $24,000 in 12 months · $40 each month you spend $2,000, for 12 months$480

ends Oct 31, 2026

free roadside assistance

travel medical 8 days, flight + baggage delay, hotel burglary, rental car

always confirm current terms with the issuer before applying. pointlss isn't affiliated with bmo. see disclosures.