• Earn 1.25% cash back on all purchases.
  • Earn 3% cash back on Shell purchases.
  • Complimentary Roadside Assistance (a $69/year value).
  • Choose when you get to redeem your rewards: annually, each time you reach a certain amount, or just in one big lump sum.
  • Access to 24/7 Concierge Service.
  • With 11 types of travel and purchase insurance, this World card has you covered.
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $500,000
Trip Interruption $2,000
Flight Delay $500
Baggage Delay $200
Lost or Stolen Baggage $750
Personal Effects $750
Rental Car Theft & Damage
Rental Car Accident $200,000
Rental Car Personal Effects $1,000

Please review your insurance certificate for details, exclusions and limitations of your coverage.

Our Review

The BMO CashBack World MasterCard is a great card for anyone looking for a cash back card with a great insurance package and some good perks. (A card that gives you more than 1% cash back on your purchases deserves a second glance.)

If buying gas is something you do often, the 3% cash you earn on Shell purchases is sure to be appealing. But even without that 3% earn rate, you'll be getting 1.25% cash back on all other purchases.

And the best part? You can choose when you get to redeem your rewards:

  • annually,
  • whenever you reach a certain amount, or
  • in one big lump sum.

You decide!

The downside? This card does come with a $79 annual fee. The annual fee could be worth it considering it is lower than many other premium cash back cards and the card comes with:

  1. Complimentary Roadside Assistance that has a value of $69 a year.
  2. Comprehensive travel and purchase insurance that includes 11 different types (see the details in the Insurance Coverage tab above.)

And yes, the 24/7 Concierge Service making travel, reservations, and even shopping easier - doesn't hurt.

There is also a World Elite version of this card, as well as a no fee version. So if you are looking for a cash back card from BMO, be sure to check those cards as well.

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