--> --> BMO CashBack World Elite Mastercard November 2025 | creditcardGenius --> --> -->   App Exclusive: $150 GeniusCash on a card with unreal cash back! Download Now × 5 Hello! Sign In $150 Cash Back Compare Credit Cards Compare Credit Cards Compare Credit Cards Find Your Credit Card Quick Compare Top Credit Card Deals No Fee First Year Free Credit Card Quiz By Type Rewards Low Interest Balance Transfer Business Student Prepaid By Rewards Cash Back Travel Air Miles Aeroplan Store Grocery Reviews American Express Cobalt: Award-Winning. Limit-Pushing. Unmatched. BMO Ascend World Elite: Travel Rewards Reach New High American Express Gold Rewards: Your Ticket to Luxury TD® Aeroplan® Visa Infinite: Your Best Card for Air Canada Perks MBNA Rewards World Elite: Canada's Best Kept Secret BMO AIR MILES®† Mastercard: Groceries today. Getaways tomorrow. GeniusCash credit cards = more cash in your pocket! 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Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz Mastercard BMO BMO CashBack ® World Elite ® * Mastercard ® * 4.6 Genius Rating 2.8 (53) User reviews $150 GeniusCash + Exclusive: Up to $480 bonus cash back + First year fee waived. * With one of the best cash back credit cards of 2025, get up to 5% cash back on groceries, 4% cash back on transit, 3% back on gas, 2% back on recurring bills, and 1% back on everything else. * $120.00 $0 Annual fee 1st year waived $480 ◊ Welcome bonus Learn more $492 ◊ Annual rewards GC Ends: Dec 31, 2025 Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure. GC: $150 I Want This Deal Add to wallet Credit estimate:  (560 - 659) Instant approval: Yes Mastercard BMO BMO CashBack ® World Elite ® * Mastercard ® * GC: $150 4.6 Genius Rating 2.8 (53) User reviews I Want This Deal Add to wallet $150 GeniusCash + Exclusive: Up to $480 bonus cash back + First year fee waived. * With one of the best cash back credit cards of 2025, get up to 5% cash back on groceries, 4% cash back on transit, 3% back on gas, 2% back on recurring bills, and 1% back on everything else. * $120.00 $0 Annual fee 1st year waived $480 ◊ Welcome bonus Learn more $492 ◊ Annual rewards GC Ends: Dec 31, 2025 Credit estimate:  (560 - 659) Instant approval: Yes Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Monthly Spending: $ View Breakdown Pros & Cons Your Rewards Compare Cards Details and Eligibility Insurance Coverage Genius Rating Our Review Key Benefits User Reviews (53) Pairs Well With Pros & cons Pros Get up to $480 in bonus cash back. Plus, the $120 annual fee is waived in the first year.*. Up to 5% cash back on purchases. 13 types of insurance included. Roadside assistance included. Redeem cash back on demand. Save up to 7 cents per litre at Shell. Cons Low monthly spend caps on bonus categories. High income requirements of either $80,000 personal or $150,000 household. Your rewards $150 GeniusCash offer On approval, receive $150 GeniusCash on us when you apply for BMO CashBack World Elite Mastercard using this offer page . GeniusCash offer expires on Dec 31, 2025 . $150 Getting your welcome bonus Based on $2,000 in monthly spending, you can get up to an estimated $480 . ◊ For all welcome bonus details click here . Welcome bonus offer ends Dec 7, 2025 . How you earn rewards Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With BMO CashBack World Elite Mastercard , here's how you earn rewards: 5% cash back on groceries , up to $500 in monthly spend 4% cash back on transit , up to $300 in monthly spend 3% cash back on gas , up to $300 in monthly spend 2% cash back on recurring bills , up to $500 in monthly spend 1% cash back on all other purchases For all reward details click here . How much your rewards are worth The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For BMO CashBack World Elite Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose: Statement credits $492   Investments $492 Direct deposit $492   Statement credits $492 Investments $492 Direct deposit $492 This card doesn't offer any rewards. Calculating your annual rewards $24,000 annual spending x 2.05% return on spending = $492 annual rewards $492 annual rewards − $120.00 annual fee = $372 net annual rewards Details and eligibility Do I qualify? Estimated Credit Score 560 - 659 Personal Income $80,000 Household Income $150,000 Canadian resident who has reached the provincial age of majority. Fees Annual Fee $120.00 First Year Free Yes Extra Card Fee $50 Card type Credit Interest rates Purchase 21.99% Cash Advance Δ 23.99% Balance Transfer Δ 23.99% Δ Cash advance interest rate for Quebec residents is 21.99%. Balance transfer interest rate for Quebec residents is 21.99%. Insurance coverage Extended Warranty 1 year Purchase Protection 90 days Travel Accident $500,000 Emergency Medical Term 8 days Emergency Medical Maximum Coverage $5,000,000 Trip Interruption $2,000 Flight Delay $500 Baggage Delay $500 Lost or Stolen Baggage $500 Personal Effects $750 Hotel Burglary $1,000 Rental Car Theft & Damage Yes Rental Car Accident $200,000 Rental Car Personal Effects $1,000 Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply. Learn more about the value of credit card insurance coverage. Genius Rating BMO CashBack World Elite Mastercard's 4.6 Genius Rating is based on the weighted average of the following scores: Rewards 3.9 Fees 2.8 Insurance 3.5 Interest 1.8 Perks 2.6 Approval 4.1 Acceptance 5.0 User Reviews 2.8 Methodology All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features. Learn more about our rating methodology. Top cards from BMO GC: $150 BMO eclipse Visa Infinite * Card Exclusive : Up to $637 in value + 5x points on gas & groceries. * GC: $125 BMO Ascend ™ World Elite ® * Mastercard ® * Up to 90,000 100,000 bonus points + 4 free lounge passes per year. * GC: $150 BMO AIR MILES ® † World Elite ® * Mastercard ® * Up to 9,000 bonus AIR MILES + 3x the AIR MILES at partners. * BMO CashBack World Elite Mastercard review Written by creditcardGenius Team   Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. The BMO CashBack World Elite Mastercard stands out from its competitors, with a few unique benefits that aren't available on many credit cards. Here's what this credit card has to offer. In this article Earning cash back with the BMO CashBack World Elite Mastercard 4 benefits to the BMO CashBack World Elite Mastercard 2 downsides to the BMO CashBack World Elite Mastercard Comparison to the no fee BMO CashBack Mastercard FAQ Earning cash back with the BMO CashBack World Elite Mastercard The simplest form of rewards, cash back , is a type of reward that can be used for whatever you like (although most credit cards only apply cash back rewards as a statement credit). Earning cash back With the BMO CashBack World Elite Mastercard, you'll earn bonus cash back on a variety of everyday purchases * : 5% cash back on groceries (up to $500 spent per month), 4% cash back on transit (up to $300 spent per month), 3% cash back on gas (up to $300 spent per month), 2% cash back on recurring bills (up to $500 spent per month), and 1% cash back on all other purchases. And, there's a bonus cash back earn rate for new cardholders. You'll earn up to $480 cash back in the first 12 months. Redeeming your cash back rewards Unlike other credit cards that only issue cash back rewards as statement credits (and usually only once per year), the BMO CashBack World Elite Mastercard gives you a multitude of ways you can get your cash back. You can choose from: deposits into a BMO chequing or savings account, deposits into a BMO Investorline account, or having your cash back applied as a statement credit. You also get to choose when this happens, requesting a deposit when you have as little as $1 worth of rewards in your account. Or, you can choose to get automatic deposits whenever you reach $25 in your account. The choice is yours. 4 benefits to the BMO CashBack World Elite Mastercard What else is offered by this BMO Mastercard? Here are 4 other things we like about it. 1. Free roadside assistance For those with vehicles, you'll get free roadside assistance to give you a hand if your vehicle is broken down. Or to simply get a little help if your battery dies or you get locked out of your car. We estimate that this coverage is worth at least $69 per year. * You can learn more about how credit card roadside assistance works here . 2. A generous insurance package The insurance package is also terrific, especially for a cash back credit card. It comes with 13 out of the 17 types of insurance we track– one of the best of any card on the market . The one coverage we want to highlight above the others is Personal Effects insurance . Many cards come with delayed and lost or stolen baggage coverage – or even hotel and rental car personal effects coverage...but those are different. They only cover you while you're on the plane, in your rental car, or at your hotel. The BMO personal effects coverage applies for the entire duration of your trip . If any of your personal items are lost, stolen, or damaged, you’re covered up to $750 per person with a $2,000 total maximum. * Cell phones and laptops aren’t covered, but most things are, including jewelry and camera equipment. As for the value of the insurance package, here's how it compares to 2 other top cash back credit cards. 3. World Elite Mastercard Who doesn't like extra benefits? There are also World Elite Mastercard perks at your disposal, some of which include: * Priceless Cities, World Mastercard Experiences, and 24/7 concierge. You can see more of what the World Elite program has to offer here . 4. Redeem your cash back when you want We've already said it once, but it's worth repeating. You're in control of your cash back rewards. You can redeem them when you want, and not just for statement credits, with more flexible options including deposits into a BMO bank or investment account. This is a breath of fresh air compared to most cash back credit cards that only offer statement credits once per year. 2 downsides to the BMO CashBack World Elite Mastercard There are 2 downsides to be aware of with this credit card. 1. Lower annual rewards than other credit cards While good, there are plenty of other cash back credit cards that offer better rewards for a similar annual fee. You'll have to consider whether or not the extra benefits are worth it for this credit card. 2. High income requirements It's a World Elite Mastercard, meaning there are also high income requirements to be eligible for this card. These are: $80,000 personal, or $150,000 household. These are high income requirements, and can exclude many from applying for the credit card. To see every last detail of this card, our full blog review covers it from all angles. Comparison to the no fee BMO CashBack Mastercard If a $120 annual fee is a little rich for you, BMO also offers another cash back Mastercard with no annual fee – the BMO CashBack ® Mastercard ® * . Here's how these 2 BMO Mastercards compare. BMO CashBack World Elite Mastercard BMO CashBack Mastercard Welcome Bonus $150 GeniusCash + Up to $480 cash back in the first year, first year free ( terms ) $20 GeniusCash + 5% cash back for the first 3 months ( terms ) Earn Rates * 5% cash back on groceries, up to $500 in monthly spend * 4% cash back on transit, up to $300 in monthly spend * 3% cash back on transit, up to $300 in monthly spend * 2% cash back on transit, up to $300 in monthly spend * 1% cash back on all other purchases * 3% cash back on groceries (up to $500 per month) * 1% cash back on recurring bill payments (up to $500 per month) * 0.5% cash back on all other purchases Insurance Coverages 13 types 2 types Special Features * Free roadside assistance * World Elite benefits * Redeem cash back on demand * 0.99% interest for 9 months on balance transfers * Redeem cash back on demand Annual Fee $120, first year free $0 Income Requirements * Personal: $80,000 * Household: $150,000 None Even though it has no annual fee, the BMO CashBack Mastercard does have a couple of advantages beyond having no annual fee. If you have some existing credit card debt, the BMO CashBack Mastercard has one of our best balance transfer offers available – 0.99% for 9 months * , a helpful opportunity to help you eliminate credit card debt. Finally, it's also available to more people, as it has no income requirements. In conclusion The BMO CashBack World Elite is a well rounded credit card package with a high flat earn rate, loads of luxury perks, and 13 types of insurance. And with easy to redeem rewards, your cash will be back in your hands going to work for you in no time. FAQ What does the BMO CashBack World Elite Mastercard earn for rewards? The BMO CashBack World Elite Mastercard earns up to 5% cash back on every eligible purchase. * What perks are included with the BMO CashBack World Elite Mastercard? The BMO CashBack World Elite perks include free roadside assistance , World Elite Mastercard benefits, and the ability to redeem cash back earned on demand. * What is the current welcome bonus of the BMO CashBack World Elite Mastercard? The BMO CashBack World Elite Mastercard is offering new cardholders up to $480 cash back in the first 12 months . * Key benefits Get great World Elite perks and earn cash back rewards on all your purchases. Exclusive Offer: Get up to $480 cash back in your first 12 months when you spend at least $2,000 each month – that’s an additional $40 cash back every month. Plus the $120 annual fee is waived in the first year.* Earn more cash back on the categories that mean the most: 5% on groceries*, 4% on transit including ride sharing, taxis, and public transportation*, 3% on gas and electric vehicle charging*, 2% on recurring bill payments like your monthly phone bill or favourite streaming service*, and 1% unlimited cashback on all other purchases* Redeem CashBack rewards when and how you want. Get complimentary roadside assistance which includes battery boosts, flat-tire change, lockout service and towing (a $69/year value). Save up to 7 cents per litre on fuel at Shell when you link your BMO card and AIR MILES accounts together. Complimentary membership in Mastercard Travel Pass provided by DragonPass. Enjoy BMO’s Extended Warranty Plus which doubles the original manufacturer’s warranty up to 2 years (1 year longer than most other credit cards). Show more... Offer Terms BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. User review s 2.8 out of 5 Reviewed by 53 Canadian s Add Review 5 stars 17% 4 stars 21% 3 stars 15% 2 stars 19% 1 stars 28% Add Review Do you own this card? I have it I canned it × How good is this card overall? × Rate the application process: Rate the customer service: Thank you for your review! Hang tight while we verify and approve it. If you want to see your review right away... Create an account: Name * Email * Password * Password requirements: At least 8 characters long At least one lower case letter At least one upper case letter At least one number At least one special character Password confirmed Password best practices Please send me credit card deals, news, reviews, and tips directly to my inbox. It only takes one click to unsubscribe. By clicking the button below, you agree to our Privacy Policy and Terms and Conditions .   Login Allan Mitchell 3 months ago 1 I have had this card for 15 years. It has seriously gone down hill. I mostly buy gift cards with my points (they use accumulate much better). They sent a gift card 6 months ago that would not work, back and forth to customer support it has been horrible. Slow response. My buddy has a Visa Avion way better card. Customer 9 months ago 0 Today, I received a call from 1-855-870-9268 inquiring about my interest in credit cards. However, the call was unprofessional, as there were background noises and a person giggling in a manner that suggested a lack of professionalism. I found this surprising and unexpected from an institution as reputable as BMO. Martin 10 months ago 1 This mastercard isn't too bad for a cashback rewards card compared to what others have. The cap for groceries is pretty low now that everything is expensive that $500 be gone within couple weeks. But the good thing is that I have my other TD visa infinite cash back as a back up so no worries I get all the benefits no matter what. Their redemption from $1.00 is great, shell fuel savings of $0.02/liter isn't so wow when CAA provides $0.03, they should at least bump it to match CAA would definitely make more people to apply. So far $0.05/liter isn't too bad with 3% rewards and airmiles. To max the benefits you need to know the combos and tricks. Jim a year ago 0 The ​W​ORST CREDIT CARD I've ​ever had​. The 10% cash back introductory offer is ​FRAUD. I have had this card for a short month and a half. Within that month and a half I have made ​5 calls to the customer service center​, 4 emails, nothing was resolved. All ​inquiries escalated to manager​s for a call back​s which never came​. The 10% cash back introductory offer is nothing more than fraud. Like most small business owners I use my personal credit cards to cover expenses. I made $42000.00 worth of purchases and paid it off immediately. When the statement arrived the cash back was less than 1%. Terms and conditions allowed them to disqualify merchants at random; COSTCO specifically. Given the annual fee, the less than 1% cash back, horrible & time consuming customer service. This card should be on the NEVER apply list. Sheldon 2 years ago 0 One of the WORST customer service experiences I've ever had. From dealing with the senior managers who both promised to resolve my issue and never did to customer service department at large who has no clue what they're doing. For those who care, When Bank of the west was bought by BMO I had a $75 credit in my account for rewards earned. I guess they wanted to clear my account and sent me a check for the amount , which I did NOT request. The check went stale dated cause they mailed it and I was not here. I called and requested that the $75 be put in my account as it should be. They said I would have to sign an affidavit to get it. When I received the affadavit I saw that they wanted to have me have it notarized. In the part of CA that I live that would cost $100. I called them back and told them. They said not to worry they would take care of it, but never got back to me, and I never recieved my reward money back. After 9 calls to try and straighten it out, to no avail and made a 10th to cancel the card never ever to use BMO again on anything. 1 2 3 4 5 6 7 8 9 10 Pairs well with... GC: $20 MBNA True Line ® Mastercard ® 0% on balance transfers for 12 months (3% fee) + No annual fee. * Scotiabank Value Visa Card Low permanent interest rates of 13.99% + First year free. * CIBC Select Visa * Card 0% on balance transfers for 10 months + First year fee rebate. * BMO Preferred Rate Mastercard ® * 0.99% on balance transfers for 9 months + Very low interest rates. * MBNA True Line ® Gold Mastercard ® Low interest rates of 10.99% + Low annual fee. * GC: $120 Tangerine ® Money-Back World Mastercard ® * $120 bonus cash back * + No annual fee. * RBC ® Visa ‡ Classic Low Rate Option Low permanent interest rates of 12.99% + Low annual fee. * GC: $125 BMO eclipse rise Visa * Card Up to 25,000 bonus points + No annual fee. * TD Low Rate Visa * Card 0% promotional rate on new purchases for the first 6 months. * GC: $20 BMO AIR MILES ® † Mastercard ® * Up to 1,200 2,500 bonus AIR MILES + 3x the AIR MILES at partners. * About creditcardGenius creditcardGenius is a smart credit card matchmaker that compares 126+ features of 227+ credit cards, with objective ratings, rankings and reviews. Built in 2017, for Canadians by Canadians, creditcardGenius is trusted by more than 200,000 people every month, 50,000 newsletter subscribers, and 15M people since launch. Read more about creditcardGenius About creditcardGenius About creditcardGenius Team The creditcardGenius team of writers is dedicated to bringing factual, helpful, and thorough information to Canadian consumers. Each piece of content goes through a 3-step review process because quality is important to us. Read more about creditcardGenius Team About creditcardGenius Team Rating Methodology The most comprehensive credit card rating system in Canada. Featured In The Genius Is You. Get hot credit card tips, news, reviews, and exclusive offers directly to your inbox. Only legit stuff gets sent. And it only takes one click to unsubscribe - so give it a try. Have a second? Let us know how we can make your experience better. Resources Review Your Card Credit Card FAQ Sliders Credit Card Quiz Company About Careers Scholarship Disclosure Help Contact GeniusCash Report Bug   Privacy Policy | Terms | Security Province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nunavut Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon Copyright © 2025 WeyMedia Inc. 200 Champlain St. Suite 210, Dieppe, NB E1A 1P1 ◊ The creditcardGenius algorithm, based on our Rating Methodology , calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates . "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Read our detailed disclosure about how CCG makes money. Never miss a deal Unlock VIP-access to exclusive GeniusCash deals, credit card offers, and the biggest money news. Bonus : Get our 250+ page money-saving eBook for free. We promise to keep your email safe. We hate spam too. Unlock my deals Glad we could help you choose the right credit card for you. Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Glad we could help you choose the right credit card for you. Before you continue your application ... Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Latest Updates $150 GeniusCash + 0.5% extra cash back Up to 5% cash back on essentials Avg of 5% back at Neo's retail partners Get the Neo World Elite Mastercard * Personal Loans vs. Credit Cards – What's the Difference Your Guide To DragonPass Lounges Financing For Students – From Student Credit Cards To Student Loan Services $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . *