FREE SPC CARD WHEN YOU BANK WITH BMO

Get up to 4% cash back on every credit card purchase in your first 4 months.‡‡
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BMO SPC MASTERCARD CASHBACK
Get Cashback and SPC Deals
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BMO SPC MASTERCARD
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FAQ

Applying for a BMO SPC MasterCard is SUPER simple, just hit the apply buttons above and fill out an application form - it’ll take less than 10 minutes!

Your credit limit is determined based on your income, existing debt, and credit history.

Your credit limit can increase or decrease over time depending on how responsible you are with making payments on time and staying within the limit.

Not necessarily, but when you apply for your credit card you should be able to show some form of income to help with approval.

You can pay your balance in full each month or you can pay the minimum balance by the payment due date. The minimum payment amount will be shown on your statement each month. To avoid paying interest you will have to pay the full amount each month- probably the safer bet if you want to save money!

Nope, you’re a free bird! You don’t need a reference letter or signature from your parents to apply for this credit card.

‡‡ You will earn 4% cash back for every dollar spent or $4.00 back for every $100.00 spent (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first four (4) billing cycles from the account open date up to a maximum of $3,125 ($125 cash back) in eligible card purchases. After the first four (4) billing cycles or $3,125 in card purchases (whichever comes first), you will earn 1% cash back or $1.00 back for every $100.00 on all card purchases. The 4% cash back offer is limited to new BMO CashBack Mastercard accounts and will not be awarded to current or former cardholders who reinstate a closed account, product transfer, or who open a new account. Limit of one bonus offer per account. If you cancel your card within one hundred and twenty (120) days from the date your account is opened, all CashBack rewards earned within that period will be cancelled. This offer may be withdrawn or changed without notice.