As part of the FlyerFunds Rebates program, we are now offering cash back rebates on the most popular BMO credit cards, including both personal and business credit cards. These rebates stack on top of the welcome bonus on the card, which means you can combine them for even more value.
FlyerFunds Rebates & BMO Credit Cards Summary
Frugal Flyer is now offering cash back rebates on BMO’s line of credit cards.
The table below outlines all of the details surrounding the current welcome offers and FlyerFunds Rebate amount on eligible BMO personal credit cards:
| Credit Card | Welcome Bonus | FlyerFunds Rebate |
|---|---|---|
| BMO CashBack World Elite Mastercard | Earn up to $480 cash back:
| $125 |
| BMO Eclipse Visa Infinite Card | Earn up to 80,000 BMO Rewards:
| $200 |
| BMO Eclipse Visa Infinite Privilege Card | Earn up to 200,000 BMO Rewards:
| $100 |
| BMO Ascend World Elite Mastercard | Earn up to 115,000 BMO Rewards:
| $125 |
| BMO Eclipse rise Visa Card | Earn up to 20,000 BMO Rewards:
| $50 |
| BMO CashBack Mastercard | Earn up to $125 cash back:
| $50 |
| BMO VIPorter World Elite Mastercard | Earn up to 70,000 VIPorter Points:
| $125 |
| BMO VIPorter Mastercard | Earn up to 40,000 VIPorter Points:
| $100 |
| BMO Preferred Rate Mastercard |
| $50 |
| BMO Blue Rewards World Elite Mastercard | Earn up to 115,000 Blue Points:
| $200 |
| BMO Blue Rewards Mastercard | Earn up to 25,000 Blue Points:
| $50 |
The table below outlines all of the details surrounding the current welcome offers and FlyerFunds Rebate amount on eligible BMO business credit cards:
| Credit Card | Welcome Bonus | FlyerFunds Rebate |
|---|---|---|
| BMO Blue Rewards World Elite Business Mastercard | Earn up to 150,000 Blue Points:
| $150 |
| BMO Ascend World Elite Business Mastercard | Earn up to 150,000 BMO Rewards points:
| $150 |
| BMO CashBack World Elite Business Mastercard | Earn up to $900 cash back:
| $150 |
| BMO Blue Rewards Business Mastercard | Earn up to 30,000 Blue Points:
| $75 |
| BMO Ascend Business Mastercard | Earn up to 25,000 BMO Rewards points:
| $75 |
| BMO CashBack Business Mastercard | Earn up to $150 cash back:
| $75 |
Personal BMO Credit Cards with Cash Rebates
BMO CashBack World Elite Mastercard – Receive $125 FlyerFunds!
The BMO CashBack® World Elite®* Mastercard®* earns up to 5% cash back on grocery purchases, plus elevated cash back earning rates on other popular spending categories.*
Earn when you apply through Frugal Flyer.
$480 cash back
$24,000
$605+
$139 (FYF)
Yes
Oct 31, 2027
The BMO CashBack World Elite Mastercard currently has a welcome offer where new cardholders can earn up to $480 cash back:
- Get $40 bonus cash back when you spend a minimum of $2,000 in net card purchases per billing cycle for the first 12 cycles (up to $480 total).*
- Waived annual fee in the first year ($139).*
- Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
This offer has an expiry date of Oct 31, 2027.
This card earns cash back at different rates depending on the category of spending. For example, grocery purchases earn 5% cash back (up to $500 per statement period), and transit purchases earn 4% cash back (up to $300 per statement period). Check out our BMO CashBack World Elite Mastercard review for more information on this product.
Click to apply for the cash back rebate offer on the BMO CashBack World Elite Mastercard with a $125 FlyerFunds Rebate!
BMO eclipse Visa Infinite Card – Receive $200 FlyerFunds!
The BMO eclipse Visa Infinite* Card earns 5x BMO Rewards points on several bonus categories, an anniversary $50 lifestyle credit, and a $20 monthly streaming credit*.
Earn when you apply through Frugal Flyer.
80,000 BMO Rewards points
$12,000
$736+
$120 (FYF)
Yes
Nov 30, 2026
The BMO eclipse Visa Infinite card currently has a welcome offer where new cardholders can earn up to 80,000 BMO Rewards points:
- Earn 40,000 BMO Rewards points upon spending $4,000 within 110 days*
- Earn 20,000 BMO Rewards points upon spending $7,000 within 180 days*
- Earn 20,000 BMO Rewards points upon spending $12,000 within 365 days*
- Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
- Plus, get the annual fee waived in the first year.*
This offer has an expiry date of Nov 30, 2026.
This card earns 5 BMO Rewards for every dollar spent on grocery, gas, dining, and transit purchases. It also has an annual $50 lifestyle credit which is redeemed on the first purchase totaling over $50 on the card. This credit is per cardholder anniversary year.
Click to apply for the cash back rebate offer on the BMO eclipse Visa Infinite card with a $200 FlyerFunds Rebate!
BMO eclipse Visa Infinite Privilege Card – Receive $100 FlyerFunds!
The BMO eclipse Visa Infinite Privilege* Card offers no foreign transaction fees, 10 lounge passes, and a $200 annual travel credit.*
Earn when you apply through Frugal Flyer.
200,000 BMO Rewards points
$75,000
$1,440+
$599
Yes
Oct 31, 2027
The BMO eclipse Visa Infinite Privilege Card currently has a welcome offer where new cardholders can earn up to 200,000 BMO Rewards points:
- Earn 80,000 BMO Rewards points upon spending $10,000 within 110 days.*
- Earn 40,000 BMO Rewards points upon spending $20,000 within 180 days.*
- Earn 80,000 BMO Rewards points upon spending $40,000 within 365 days.*
- Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
This offer has an expiry date of Oct 31, 2027.
This card earns 5 BMO Rewards points for every dollar spent on grocery, dining, gas, travel, drugstore, and health & wellness purchases. The 5x bonus earning rate does have limitations, so ensure you are aware of the annual spending caps on each of those categories
It also has an annual $200 travel credit, which is applied to the first eligible travel purchase made on the card that is $500 or more. Eligible transactions include merchant locations classified through the Visa network with a Merchant Category Code that identifies them in the “airfare”, “hotel” or “car rental” category.
Cardholders are able to access ten annual complimentary airport lounge passes through the Dragonpass program. These passes can be used to gain airport lounge access for the cardholder and their guests. See our review of the BMO eclipse Visa Infinite Privilege Card for everything you need to know about this premium credit card.
Click to apply for the cash back rebate offer on the BMO eclipse Visa Infinite Privilege Card with a $100 FlyerFunds Rebate!
BMO Ascend World Elite Mastercard – Receive $125 FlyerFunds!
The BMO Ascend World Elite Mastercard earns 5x BMO Rewards on eligible travel purchases and offers four airport lounge passes annually, plus up to a $200 NEXUS membership credit*.
Earn when you apply through Frugal Flyer.
115,000 BMO Rewards points
$20,000
$896+
$150 (FYF)
Yes
Nov 30, 2026
The BMO Ascend World Elite Mastercard currently has a welcome offer where new cardholders can earn up to 115,000 BMO Rewards points:
- Earn 60,000 BMO Rewards points upon spending $5,000 within 110 days*
- Earn 20,000 BMO Rewards points upon spending $10,000 within 180 days*
- Earn 35,000 BMO Rewards points upon spending $20,000 within 365 days*
- Receive up to $200 Instacart benefit*
- Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
- Plus, get the annual fee waived in the first year.*
This offer has an expiry date of Nov 30, 2026.
This card earns 5 BMO Rewards for every dollar spent on travel purchases. Cardholders will receive four annual complimentary airport lounge passes through the Dragonpass program. These passes can be used to gain airport lounge access for the cardholder and their guests. Check out our BMO Ascend World Elite Mastercard Review for more details.
Click to apply for the cash back rebate offer on the BMO Ascend World Elite Mastercard with a $125 FlyerFunds Rebate!
BMO eclipse rise Visa Card – Receive $50 FlyerFunds!
The BMO eclipse rise Visa* card earns 5x BMO Rewards points on recurring bill payments, groceries, dining, and takeout purchases.
Earn when you apply through Frugal Flyer.
20,000 BMO Rewards points
$1,500
$184+
$0
Yes
Oct 31, 2027
The BMO eclipse rise Visa card currently has a welcome offer where new cardholders can earn up to 20,000 BMO Rewards points:
- Earn 20,000 BMO Rewards points upon spending $1,500 in the first 3 months
This offer has an expiry date of Oct 31, 2027.
This card has no annual fee and earns 5 BMO Rewards points per two dollars spent on all recurring bill payments, groceries, dining, and takeout purchases.
Click to apply for the cash back rebate offer on the BMO eclipse rise Visa card with a $50 FlyerFunds Rebate!
BMO CashBack Mastercard – Receive $50 FlyerFunds!
The BMO CashBack® Mastercard®* earns 3% cash back on grocery purchases, on up to $500 in spend per statement period.
Earn when you apply through Frugal Flyer.
$125 cash back
$2,500
$175+
$0
Yes
Oct 31, 2027
The BMO CashBack Mastercard currently has a welcome offer where new cardholders can earn up to $125 cash back:
- Earn 5% cash back on purchases up to $2,500 spend ($500 on grocery, $500 on recurring bill payments, and $1,500 on everyday purchases; up to $125 in cashback) in your first 3 months
- Plus, get a 0.99% introductory interest rate on Balance transfers for 9 months with a 2% transfer fee.*
This offer has an expiry date of Oct 31, 2027.
This card has no annual fee and earns 3% cash back on all grocery purchases, up to $500 per statement period.
Click to apply for the cash back rebate offer on the BMO CashBack Mastercard with a $50 FlyerFunds Rebate!
BMO VIPorter World Elite Mastercard – Receive $125 FlyerFunds!
The BMO VIPorter World Elite®* Mastercard®*, Canada’s most valuable airline credit card*, offers benefits including VIPorter Venture membership and the opportunity to earn an annual round-trip companion pass through spending.
Earn when you apply through Frugal Flyer.
70,000 VIPorter points
$18,000
$1,175+
$199 (FYF)
Yes
Oct 31, 2027
The BMO VIPorter World Elite Mastercard currently has a welcome offer where new cardholders can earn up to 70,000 VIPorter Points:
- Earn 20,000 VIPorter points upon spending $5,000 within 110 days*
- Earn 20,000 VIPorter points and one companion pass† upon spending $9,000 within 180 days*
- Earn 30,000 VIPorter points upon spending $18,000 within 365 days*
This offer has an expiry date of Oct 31, 2027.
This card offers complimentary VIPorter Venture membership which means that cardholders (and up to eight guests on the same itinerary) will receive the following perks when flying on Porter Airlines: 1 complimentary checked bag, 1 complimentary carry-on bag for all fare types, free PorterClassic seat selection, and priority check-in, security, and boarding. See our review of the BMO VIPorter World Elite Mastercard for more details.
Click to apply for the cash back rebate offer on the BMO VIPorter World Elite Mastercard with a $125 FlyerFunds Rebate!
BMO VIPorter Mastercard – Receive $100 FlyerFunds!
The BMO VIPorter Mastercard®* offers benefits including VIPorter Passport membership and the opportunity to earn an annual 35% base fare discount voucher through spending.
Earn when you apply through Frugal Flyer.
40,000 VIPorter points
$10,000
$700+
$89 (FYF)
Yes
Oct 31, 2027
The BMO VIPorter Mastercard currently has a welcome offer where new cardholders can earn up to 40,000 VIPorter Points:
- Earn 10,000 VIPorter points upon spending $3,000 within 110 days
- Earn 15,000 VIPorter points and one 35% off flight voucher† upon spending $6,000 within 180 days
- Earn 15,000 VIPorter points upon spending $10,000 within 365 days
This offer has an expiry date of Oct 31, 2027.
This card offers complimentary VIPorter Passport membership which means that cardholders (and up to eight guests on the same itinerary) will receive the following perks when flying on Porter Airlines: dedicated check-in, early boarding, and priority re-accommodation for flight delays.
Click to apply for the cash back rebate offer on the BMO VIPorter Mastercard with a $100 FlyerFunds Rebate!
BMO Preferred Rate Mastercard – Receive $50 FlyerFunds!
The BMO Preferred Rate Mastercard®* offers a significantly lower interest rate when compared to traditional credit cards and low-rate balance transfers.*
Earn when you apply through Frugal Flyer.
None
$0
$50+
$29 (FYF)
Yes
Oct 31, 2027
The BMO Preferred Rate Mastercard currently has a welcome offer where new cardholders can receive a promotional balance transfer offer:
- Get a 0% introductory interest rate on Balance Transfers for 18 months with a 3% transfer fee and BMO will waive the $29 annual fee for the first year.*
Click to apply for the cash back rebate offer on the BMO Preferred Rate Mastercard with a $50 FlyerFunds Rebate!
BMO Blue Rewards World Elite Mastercard – Receive $200 FlyerFunds!
The BMO Blue Rewards World Elite®* Mastercard®* earns 10x Blue Points per $1 spent on participating Blue Rewards Partners and offers four airport lounge passes annually, plus up to a $200 NEXUS membership credit.*
Earn when you apply through Frugal Flyer.
115,000 Blue Points
$20,000
$971+
$150 (FYF)
Yes
Dec 31, 2026
The BMO Blue Rewards World Elite Mastercard currently has a welcome offer where new cardholders can earn up to 115,000 Blue Points*:
- Earn 60,000 Blue Points when you spend $5,000 on net card purchases within the first 110 days of account opening.*
- Earn an additional 20,000 Blue Points when you spend $10,000 on net card purchases within the first 180 days of account opening.*
- Earn a further 35,000 Blue Points when you spend $20,000 on net card purchases within the first 365 days of account opening.*
- Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
- Get the annual fee waived in the first year.*
This offer has an expiry date of Dec 31, 2026. You can read our review of the BMO Blue Rewards World Elite Mastercard for more details about how this card can fit nicely in your existing credit card lineup.
Click to apply for the cash back rebate offer on the BMO Blue Rewards World Elite Mastercard with a $200 FlyerFunds Rebate!
BMO Blue Rewards Mastercard – Receive $50 FlyerFunds!
The BMO Blue Rewards Mastercard®* earns 5x Blue Points per $1 spent at participating Blue Rewards Partners*.
Earn when you apply through Frugal Flyer.
25,000 Blue Points
$1,500
$218+
$0
Yes
Dec 31, 2026
The BMO Blue Rewards Mastercard currently has a welcome offer where new cardholders can earn up to 25,000 Blue Points*:
- Get 25,000 Blue Points when you spend $1,500 on net card purchases within the first 110 days of account opening.*
- Plus, get a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.*
- Plus, earn rewards from over 400 brands.*
This offer has an expiry date of Dec 31, 2026.
Click to apply for the cash back rebate offer on the BMO Blue Rewards Mastercard with a $50 FlyerFunds Rebate!
Business BMO Credit Cards with Cash Rebates
BMO Blue Rewards World Elite Business Mastercard – Receive $150 FlyerFunds!
The BMO Blue Rewards World Elite®* Business Mastercard®* offers an outsized welcome bonus, paired with high earning rates on Blue Rewards Travel bookings and at Blue Rewards Partners, in addition to four complimentary airport lounge passes per year.
Earn when you apply through Frugal Flyer.
150,000 Blue Points
$30,000
$1,155+
$175 (FYF)
Yes
Nov 30, 2027
The BMO Blue Rewards World Elite Business Mastercard currently has a welcome offer where new cardholders can earn up to 150,000 Blue Points:
- Earn 50,000 Blue Points when you spend $10,000 on net card purchases within the first 110 days of account opening.*
- Earn an additional 50,000 Blue Points when you spend $20,000 on net card purchases within the first 180 days of account opening.*
- Earn a further 50,000 Blue Points when you spend $30,000 on net card purchases within the first 365 days of account opening.*
- Plus, get the annual fee waived in the first year.*
This offer has an expiry date of Nov 30, 2027.
Click to apply for the cash back rebate offer on the BMO Blue Rewards World Elite Business Mastercard with a $150 FlyerFunds Rebate!
BMO Ascend World Elite Business Mastercard – Receive $150 FlyerFunds!
The BMO Ascend® World Elite®* Business Mastercard®* earns 4x BMO Rewards points on gas, office supplies, cell phone services, and internet bill purchases. Plus, receive two airport lounge passes each year.
Earn when you apply through Frugal Flyer.
150,000 BMO Rewards points
$30,000
$1,155+
$175 (FYF)
Yes
Jun 2, 2027
The BMO Ascend World Elite Business Mastercard currently has a welcome offer where new cardholders can earn up to 150,000 BMO Rewards points:
- Earn 50,000 BMO Rewards points upon spending $10,000 within 110 days*
- Earn 50,000 BMO Rewards points upon spending $20,000 within 180 days*
- Earn 50,000 BMO Rewards points upon spending $30,000 within 365 days*
This offer has an expiry date of Jun 2, 2027.
Click to apply for the cash back rebate offer on the BMO Ascend World Elite Business Mastercard with a $150 FlyerFunds Rebate!
BMO CashBack World Elite Business Mastercard – Receive $150 FlyerFunds!
The BMO CashBack® World Elite®* Business Mastercard®* offers 5% cash back on gas and electric vehicle charging purchases, 4% cash back on recurring bill payments, and 3% cash back on shipping, insurance, office supplies, and telco purchases, making it an excellent choice for business owners who want to receive their rewards as cash back.
Earn when you apply through Frugal Flyer.
$900 cash back
$6,000
$1,050+
$175 (FYF)
Yes
Dec 14, 2027
The BMO CashBack World Elite Business Mastercard currently has a welcome offer where new cardholders can earn up to $900 cash back:
- Earn up to 15% cash back in the first 3 billing cycles up to a maximum of $900 cash back.*
- Note: Up to $500 qualified spend on recurring bill payments, up to $500 qualified spend in gas and EV charging, up to $500 qualified spend in shipping, insurances, office supplies and telecommunication related purchases, and up to $4,500 qualified spend on all other purchases is eligible for the welcome bonus.*
- Plus, get the annual fee waived in the first year.*
This offer has an expiry date of Dec 14, 2027.
Click to apply for the cash back rebate offer on the BMO CashBack World Elite Business Mastercard with a $150 FlyerFunds Rebate!
BMO Blue Rewards Business Mastercard – Receive $75 FlyerFunds!
The BMO Blue Rewards Business Mastercard®* earns 10x Blue Points at Blue Rewards partners and on travel booked through Blue Rewards travel.
Earn when you apply through Frugal Flyer.
30,000 Blue Points
$3,000
$276+
$0
Yes
Jun 2, 2027
The BMO Blue Rewards Business Mastercard currently has a welcome offer where new cardholders can earn up to 30,000 Blue Points:
- Get 30,000 Blue Points when you spend $3,000 on net card purchases within the first 110 days of account opening.*
This offer has an expiry date of Jun 2, 2027.
Click to apply for the cash back rebate offer on the BMO Blue Rewards Business Mastercard with a $75 FlyerFunds Rebate!
BMO Ascend Business Mastercard – Receive $75 FlyerFunds!
The BMO Ascend® Business Mastercard®* earns 2 BMO Rewards points for every dollar spent on gas, office supplies, cell phone services, and internet bill payments (on up to $50,000 in spend per calendar year).
Earn when you apply through Frugal Flyer.
25,000 BMO Rewards points
$3,000
$243+
$0
Yes
Jun 2, 2027
The BMO Ascend Business Mastercard currently has a welcome offer where new cardholders can earn up to 25,000 BMO Rewards points:
- Earn 25,000 BMO Rewards points upon spending $3,000 within 110 days*
- Get a 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee
This offer has an expiry date of Jun 2, 2027.
Click to apply for the cash back rebate offer on the BMO Ascend Business Mastercard with a $75 FlyerFunds Rebate!
BMO CashBack Business Mastercard – Receive $75 FlyerFunds!
The BMO CashBack® Business Mastercard®* earns 1.5% cash back on all purchases at gas stations, office supply stores, and recurring cell phone and internet bill payments.
Earn when you apply through Frugal Flyer.
$150 cash back
$1,500
$225+
$0
Yes
Nov 30, 2026
The BMO CashBack Business Mastercard currently has a welcome offer where new cardholders can earn up to $150 cash back:
- Earn 10% cash back on purchases up to $1,500 spend (applicable at office supply stores, cell phone/internet bills, and gasoline; up to $150 in cashback) in your first 3 months
This offer has an expiry date of Nov 30, 2026.
Click to apply for the cash back rebate offer on the BMO CashBack Business Mastercard with a $75 FlyerFunds Rebate!
Apply Now Through Frugal Flyer Rebates
If you are interested in signing up for a BMO credit card and want to receive some extra cash back in your wallet, head over to the FlyerFunds Rebates hub and follow the steps to apply.
Josh Bandura
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