BMO CashBack World Elite MC
MastercardFX: 2.5%Cash Back

BMO

BMO CashBack World Elite MC

Cash Back

First Year Bonus

~$530

Welcome Bonus

$480 cash back

Annual Fee

FYF

Spend Required

$2,000/mo (12 mo)

Apply via rebate portal

Get notified when this offer goes elevated

We'll email you if BMO CashBack World Elite MC runs a higher-than-normal welcome bonus.

Data verified Apr 1, 2026

Earn rates

5%
grocery
4%
transportation
3%
gas & EV charging
2%
recurring payments
1%
everywhere else

Points value: 2–5% cash back rate

Transfer partners

Cash back — no transfer partners

Lounge access

DragonPass membership (visits charged at $32 USD each)

Additional perks

  • $50 anniversary lifestyle credit
  • Best cash back rate on groceries in Canada

Insurance coverage

Travel Medical ($2M)
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty

Card details

NetworkMastercard
Annual feeFYF
Foreign fee2.5%
Income req.$80,000 personal or $150,000 household
ProgramCash Back