As part of the FlyerFunds Rebates program, we are now offering cash back rebates on twelve BMO credit cards.
Cash back rebates are available for eight personal credit cards: the BMO CashBack World Elite Mastercard, the BMO AIR MILES World Elite Mastercard, the BMO Eclipse Visa Infinite card, the BMO Eclipse Visa Infinite Privilege card, the BMO Ascend World Elite Mastercard, the BMO Eclipse rise Visa card, the BMO CashBack Mastercard, the BMO AIR MILES Mastercard, the BMO VIPorter World Elite Mastercard, and the BMO VIPorter Mastercard.
Cash back rebates are available for four business credit cards: BMO Ascend World Elite Business Mastercard, BMO Air Miles World Elite Business Mastercard, BMO Cashback Business Mastercard, and the BMO Air Miles No-Fee Business Mastercard.
FlyerFunds Rebates & BMO Credit Cards
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:
| Credit Card | Welcome Bonus | FlyerFunds Rebate |
|---|---|---|
| BMO CashBack World Elite Mastercard | Earn up to $335 cash back:
| $125 |
| BMO AIR MILES World Elite Mastercard | Earn up to 7,000 AIR MILES:
| $125 |
| BMO Eclipse Visa Infinite Card | Earn up to 60,000 BMO Rewards:
| $125 |
| BMO Eclipse Visa Infinite Privilege Card | Earn up to 120,000 BMO Rewards:
| $100 |
| BMO Ascend World Elite Mastercard | Earn up to 90,000 BMO Rewards:
| $125 |
| BMO Eclipse rise Visa Card | Earn up to 20,000 BMO Rewards:
| $100 |
| BMO CashBack Mastercard | Earn up to $125 cash back:
| $50 |
| BMO AIR MILES Mastercard | Earn up to 1,200 AIR MILES:
| $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 Ascend World Elite Business Mastercard | Earn up to 100,000 BMO Rewards:
| $75 |
| BMO AIR MILES World Elite Business Mastercard | Earn up to 8,000 AIR MILES:
| $75 |
| BMO CashBack Business Mastercard | Earn up to $150 cash back:
| $75 |
| BMO AIR MILES No-Fee Business Mastercard | Earn up to 2,000 AIR MILES:
| $75 |
Personal BMO Credit Cards with Cash Back Rebates
BMO CashBack World Elite Mastercard
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.
In 2025, we awarded this card as the Best Cash Back Credit Card.
Check out our BMO Cashback World Elite Mastercard review for more details.
$335 cash back
$2,600
$460+
$120 (FYF)
Yes
Jan 31, 2026
The BMO CashBack World Elite Mastercard currently has a welcome offer where new cardholders can earn up to $335 cash back:
- Get up to $335 in additional cash back including 10% cash back in your first 3 months.*
- Plus, the $120 annual fee is waived in the first year.*
This offer has an expiry date of Jan 31, 2026.
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).
Click here to apply for this offer on the BMO CashBack World Elite Mastercard with a $125 FlyerFunds Rebate!
BMO AIR MILES World Elite Mastercard
The BMO AIR MILES World Elite Mastercard earns 3x AIR MILES per $12 spent at all AIR MILES partners, plus 2x AIR MILES per $12 spent at grocery stores.
Check out our BMO AIR MILES World Elite Mastercard review for more details.
7,000 AIR MILES
$20,000
$1,175+
$120 (FYF)
Yes
Jun 1, 2026
The BMO AIR MILES World Elite Mastercard currently has a welcome offer where new cardholders can earn up to 7,000 AIR MILES:
- Earn 3,000 AIR MILES upon spending $4,500 within 110 days
- Earn 2,000 AIR MILES upon spending $10,000 within 180 days
- Earn 2,000 AIR MILES upon spending $20,000 within 365 days
This offer has an expiry date of Jun 1, 2026.
This card earns Air Miles at an accelerated rate for all purchases made at Air Miles partners (3x earning rate) and at grocery stores (2x earning rate).
Click here to apply for this offer on the BMO AIR MILES World Elite Mastercard with a $125 FlyerFunds Rebate!
BMO Eclipse Visa Infinite Card
The BMO eclipse Visa Infinite card earns 5x BMO Rewards points on several bonus categories, plus an anniversary $50 lifestyle credit.
60,000 BMO Rewards
$27,000
$527+
$120 (FYF)
Yes
Jan 31, 2026
The BMO Eclipse Visa Infinite card currently has a welcome offer where new cardholders can earn up to 60,000 BMO Rewards points:
- Earn 30,000 BMO Rewards points upon spending $3,000 in the first 3 months*
- Earn 2,500 BMO Rewards points for each subsequent month in which you spend at least $2,000 in purchases on your card, for 12 months* (up to a maximum of 30,000 BMO Rewards points); This additional monthly spend bonus will only be earned for the period beginning 4 months from the account open date and ending 15 months from the account open date
This offer has an expiry date of Jan 31, 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 calendar year, meaning it can be liquidated twice per cardholder year.
Click here to apply for this offer on the BMO Eclipse Visa Infinite card with a $125 FlyerFunds Rebate!
BMO Eclipse Visa Infinite Privilege Card
The BMO eclipse Visa Infinite Privilege card offers benefits including an anniversary $200 lifestyle credit and six annual airport lounge passes.
Check out our BMO eclipse Visa Infinite Privilege card review for more details.
120,000 BMO Rewards
$75,000
$904+
$599
Yes
Jan 31, 2026
The BMO Eclipse Visa Infinite Privilege card currently has a welcome offer where new cardholders can earn up to 120,000 BMO Rewards points:
- Earn 50,000 BMO Rewards points upon spending $6,000 in the first 3 months
- Earn 30,000 BMO Rewards points upon spending $30,000 in the first 6 months
- Earn 40,000 BMO Rewards points upon spending $75,000 in the first year
This offer has an expiry date of Jan 31, 2026.
This card earns 5 BMO Rewards for every dollar spent on grocery, dining, gas, travel, and drugstore purchases. It also has an annual $200 lifestyle credit, which is redeemed on the first purchase totaling over $200 on the card. This credit is per calendar year, meaning it can be liquidated twice per cardholder year.
Cardholders are able to access six 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.
Click here to apply for this offer on the BMO Eclipse Visa Infinite Privilege card with a $100 FlyerFunds Rebate!
BMO Ascend World Elite Mastercard
The BMO Ascend World Elite Mastercard earns 5x BMO Rewards on travel purchases and offers four airport lounge passes annually.
90,000 BMO Rewards
$34,500
$728+
$150 (FYF)
Yes
Jan 31, 2026
The BMO Ascend World Elite Mastercard currently has a welcome offer where new cardholders can earn up to 90,000 BMO Rewards points:
- Earn 45,000 BMO Rewards points upon spending $4,500 within the first 110 days*
- Earn 3,750 BMO Rewards points for each subsequent 30 day period in which you spend at least $2,500 in purchases on your card, beginning on Day 111 and ending on Day 482 from account open date (up to a maximum of 45,000 BMO Rewards points)
This offer has an expiry date of Jan 31, 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.
Click here to apply for this offer on the BMO Ascend World Elite Mastercard with a $125 FlyerFunds Rebate!
BMO Eclipse rise Visa Card
The BMO eclipse rise Visa card earns 5x BMO Rewards points on recurring bill payments, groceries, dining, and takeout purchases.
20,000 BMO Rewards
$1,500
$234+
$0
Yes
Jan 31, 2026
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 Jan 31, 2026.
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 here to apply for this offer on the BMO Eclipse rise Visa card with a $100 FlyerFunds Rebate!
BMO CashBack Mastercard
The BMO CashBack Mastercard earns 3% cash back on grocery purchases, on up to $500 in spend per statement period.
$125 cash back
$2,500
$175+
$0
Yes
Jan 31, 2026
The BMO CashBack Mastercard currently has a welcome offer where new cardholders can earn up to $125 cash back:
- Earn 5% cashback 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
This offer has an expiry date of Jan 31, 2026.
This card has no annual fee and earns 3% cash back on all grocery purchases, up to $500 per statement period.
Click here to apply for this offer on the BMO CashBack Mastercard with a $50 FlyerFunds Rebate!
BMO AIR MILES Mastercard
The BMO AIR MILES Mastercard earns 3x AIR MILES per $25 spent at all AIR MILES partners.
1,200 AIR MILES
$1,500
$230+
$0
Yes
Jun 1, 2026
The BMO AIR MILES Mastercard currently has a welcome offer where new cardholders can earn up to 1,200 AIR MILES:
- Earn 1,200 AIR MILES upon spending $1,500 within 110 days
This offer has an expiry date of Jun 1, 2026.
This card has no annual fee and earns 3 Air Miles for every $25 spent on purchases at Air Miles partners.
Click here to apply for this offer on the BMO AIR MILES Mastercard with a $50 FlyerFunds Rebate!
BMO VIPorter World Elite Mastercard
The BMO VIPorter World Elite Mastercard offers benefits including VIPorter Venture membership and the opportunity to earn an annual round-trip companion pass through spending.
70,000 VIPorter Points
$18,000
$1,175+
$199 (FYF)
Yes
Jan 31, 2026
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 Jan 31, 2026.
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.
Click here to apply for this offer on the BMO VIPorter World Elite Mastercard with a $125 FlyerFunds Rebate!
BMO VIPorter Mastercard
The BMO VIPorter Mastercard offers benefits including VIPorter Passport membership and the opportunity to earn an annual 35% base fare discount voucher through spending.
40,000 VIPorter Points
$10,000
$700+
$89 (FYF)
Yes
Jan 31, 2026
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 Jan 31, 2026.
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 here to apply for this offer on the BMO VIPorter Mastercard with a $100 FlyerFunds Rebate!
Business BMO Credit Cards with Cash Back Rebates
BMO Ascend World Elite Business Mastercard
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.
100,000 BMO Rewards
$30,000
$745+
$149 (FYF)
Yes
Dec 13, 2025
The BMO Ascend World Elite Business Mastercard currently has a welcome offer where new cardholders can earn up to 100,000 BMO Rewards points:
- Earn 20,000 BMO Rewards points upon first purchase
- Earn 8,000 BMO Rewards points upon spending $3,000 per month within month 3 – 12 (Month 3 starts on Day 76 and Month 12 ends Day 375) after the account open date (total of 80,000 BMO Rewards points)
This offer has an expiry date of Dec 13, 2025.
This card earns 4 BMO Rewards for every dollar spent on gas, office supplies, cell phone services, and internet bill purchases.
Cardholders will receive two 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.
Click here to apply for this offer on the BMO Ascend World Elite Business Mastercard with a $75 FlyerFunds Rebate!
BMO AIR MILES World Elite Business Mastercard
The BMO AIR MILES World Elite Business Mastercard earns 4x AIR MILES for every $12 spent at AIR MILES partners.
8,000 AIR MILES
$35,000
$1,275+
$149 (FYF)
Yes
Jun 12, 2026
The BMO AIR MILES World Elite Business Mastercard currently has a welcome offer where new cardholders can earn up to 8,000 AIR MILES:
- Earn 3,000 AIR MILES upon spending $5,000 within 110 days
- Earn 2,000 AIR MILES upon spending $18,000 within 180 days
- Earn 3,000 AIR MILES upon spending $35,000 within 365 days
This offer has an expiry date of Jun 12, 2026.
This card earns 4x Air Miles for every $12 spent at Air Miles partners.
Click here to apply for this offer on the BMO AIR MILES World Elite Business Mastercard with a $75 FlyerFunds Rebate!
BMO Cashback Business Mastercard
The BMO CashBack Business Mastercard earns 1.75% cash back on purchases at Shell gas stations.
$150 cash back
$1,500
$225+
$0
Yes
Dec 13, 2025
The BMO CashBack Business Mastercard currently has a welcome offer where new cardholders can earn up to $150 cash back:
- Earn 10% cashback 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 Dec 13, 2025.
This card earns 1.75% cash back at Shell gas stations and 1.25% cash back on purchases at other gas stations, office supply stores, and recurring cell phone and internet billings.
Click here to apply for this offer on the BMO CashBack Business Mastercard with a $75 FlyerFunds Rebate!
BMO AIR MILES No-Fee Business Mastercard
The BMO AIR MILES No-Fee Business Mastercard earns 1.25x AIR MILES for every $20 spent at Shell gas stations.
2,000 AIR MILES
$3,000
$375+
$0
Yes
Jun 12, 2026
The BMO AIR MILES No-Fee Business Mastercard currently has a welcome offer where new cardholders can earn up to 2,000 AIR MILES:
- Earn 2,000 AIR MILES upon spending $3,000 in the first 3 months
This offer has an expiry date of Jun 12, 2026.
This card earns 1.25x Air Miles at Shell gas stations and 1x Air Miles on all other purchases.
Click here to apply for this offer on the BMO AIR MILES No-Fee 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 and follow the steps to apply.
Josh Bandura
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