BMO SPC CashBack MasterCard Credit Card – How to Apply?

Looking for a card that lets you earn whil spending? BMO just might have the best option for you. From their arsenal of valuable credit cards, you are sure to get the credit account that suits your needs. Read on to know more.


BMO SPC CashBack MasterCard Credit Card Features and Benefits

The best thing about the BMO SPC CashBack MasterCard Credit Card is its cash back offers. When you spend $500 on monthly purchases, you can earn a total of $120 cash back on your first year. This includes up to 5% cash back for the first 3 months after the card issuance. Check out their cash back calculator to know more.

Aside from their cash back offers, you can enjoy exclusive SPC discounts ranging from 10% to 15% at hundreds of select stores. You can also avail of exclusive entertainment and sports deals with BMO Extra Deals.


When it comes to security, you can rely on BMO to give you the safest banking and credit experience. This card’s chip technology gives you an added protection. The bank also protects you from un-authorised use with its Zero Liability policies. Being a MasterCard, you are ensured maximum protection, especially when you shop online.

If all this are not enough for you, you can add features such as Credit Alert, BMO Roadside Assistance, InfoProtector 360 and BMO Credit Card Balance Protection.

Looking for a card that lets you earn whilst spending? BMO SPC CashBack MasterCard Credit Card is your best option. Here's how to apply...

Getting a BMO SPC CashBack MasterCard Credit Card

If you are interested in this offer, you will be glad to know that the application process is extremely simple. Whether you have an existing account or not, you can certainly avail of this valuable product. You just need to present proof of residence and age. Make sure that you are within the age of majority in your province or territory. You must also have a stable source of income. Moreover, the bank will look into your financial history so make sure that you have not declared bankruptcy in the last 7 years.

You can easily start your application process by visiting a BMO branch, booking an appointment, or by clicking on their website and filling out their form online.

BMO SPC CashBack MasterCard Credit Card Fees and Charges

Should you follow through with your application, you can expect minimum expenses with this card. You do not have to worry about paying a yearly membership fee as this card does not have an annual fee. Every time you use this card, you reduce your annual payments to a minimum interest rate of 19.99%. For cash advances, you only have to pay a 22.99% annual interest rate, making your expenditure more affordable and manageable. Keep in mind that failing to pay your dues on time can result in a late payment fee. A fee of $10 will also apply if your account is inactive for 12 consecutive billing periods.

Earning whil spending might just be the best thing for people looking for manageable credit accounts. With the BMO CPS CashBack MasterCard Credit Card, you are on your way to financial independence.