bmo.com or via BMO Digital Banking.
The BMO Cash Back Mastercard (issued by BMO Bank N.A.) provides consumers with high-value everyday cash back: up to 5% cash back on groceries for the first 3 months (3% thereafter), 3% on gas, and 1% unlimited cash back on all other purchases with zero annual card fees.
Whether you need to log in to BMO Online Banking, submit an immediate monthly payment, set up automatic recurring monthly AutoPay, redeem cash back directly into your checking account, or contact customer care, this comprehensive guide covers every payment channel and cardholder contact.
BMO Cash Back Mastercard Payment Options Overview
Compare available payment options, fees, and posting speeds:
| Payment Channel | Convenience Fee | Posting Speed |
|---|---|---|
| BMO Digital Banking & App (Bank ACH) | $0.00 (Free) | Same-Day Credit if made by 5:00 PM CST |
| AutoPay (Automatic Bank Draft) | $0.00 (Free) | On Monthly Payment Due Date |
| BMO Bank Branch Locations | $0.00 (Free) | Immediate Available Credit Restoration |
| Automated Phone Banking (IVR) | $0.00 (Free) | Instant Confirmation |
How to Pay Your BMO Cash Back Mastercard Online (Step-by-Step)
- Navigate to: bmo.com (or open BMO Digital Banking App).
- Enter your User ID and Password and click “Sign In”.
- Select your active Cash Back Mastercard account.
- Click “Pay Bill”.
- Select payment source: BMO checking account or external bank account (ACH).
- Choose payment amount: Minimum Due, Statement Balance, or Custom Amount.
- Submit payment to receive an instant electronic confirmation receipt.
Alternative Payment Channels
- BMO Digital Banking App: Track real-time cash back, manage card security locks, and pay bills on iOS and Android.
- BMO Bank Branches: Pay in person with cash or check at over 1,000 BMO branch locations across the US.
- Pay by Phone: Call BMO Cardholder Customer Service toll-free 24/7 at 1-888-340-2265.
- Pay by Mail: Send payment check with statement coupon to:
BMO Bank N.A.
P.O. Box 6300
Carol Stream, IL 60197-6300
BMO Cash Back Support Directory
- Cardholder Customer Support (24/7): 1-888-340-2265
- Hearing Impaired (TTY): 1-800-659-4262
- Official Banking Portal: bmo.com/credit-cards
- Bank Issuer: BMO Bank N.A., Chicago, IL
Frequently Asked Questions (FAQ)
How do I redeem my BMO Cash Back rewards?
You can redeem your accumulated cash back at any time starting at just $1 as a direct deposit into your BMO checking or savings account, or as a statement credit on your card balance.
Do BMO Cash Back rewards expire?
No. Cash back rewards earned on active BMO credit card accounts never expire as long as your account remains open and in good standing.
Related Cashback Credit Card Guides:
Disclaimer: BillPayment.guide is an independent consumer credit guide and is not affiliated with, endorsed by, or operated by BMO Financial Group or BMO Bank N.A. All trademarks belong to BMO.
Anisur Rahman brings over 17 years of experience at the intersection of complex technology and digital strategy to BillPayment.guide. Active in the digital space since 2009, Anisur uses his deep industry insights to break down financial technologies, secure online payment methods, and digital platforms. His actionable guides help readers navigate the fast-paced digital economy and manage their online transactions with confidence.
