Student BMO CashBack Mastercard

Relevant if: you confirm that its features match your spending.

Less suitable if: terms that remain unconfirmed are essential to your decision.

Annual fee: $0
Reward type: Not available
Welcome offer: Confirmed offer · not valued in the estimate
First-year estimate (without the offer): $345.94

Data verified on August 27, 2026

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$345.94

Annual fee thereafter: $0
First-year fee: $0 — no annual fee

View the official page

View calculation details

This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.

Ongoing net value in the scenario: $345.94
Recurring annual fee already deducted: $0
Welcome-offer value earned during the first 12 months: Offer confirmed, but not yet valued by Futello — not included
First-year fee: $0 — no annual fee

Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Gas / charging$4,500
Groceries$11,250
Pre-authorized payments$4,500
Restaurants$4,500

A welcome offer is confirmed for this card, but Futello does not yet have a certified value to include it. The estimate is therefore limited to the card’s recurring value minus the first-year fee; the real first-year value will be higher if you meet the offer’s conditions.

The total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.

First year

Welcome offer

Current official offer End date not published

Award Winning No Fee Student Cash Back Credit Card - BMO Canada Skip navigation close Sign In Search box Cancel Country Selector CA You're on B M O Canada website CA You're on B M O Canada website Canada Canada US Site Selector Personal Personal Business Private Wealth Commercial Capital Markets Global Asset Management About BMO Language Selector EN English English English Français Français 简体中文繁體中文 Bank Accounts Bank Accounts Overview Chequing Accounts All chequing accounts Plus Chequing Performance Chequing Practical Chequing Premium Chequing Blue Rewards Chequing U.S. Dollar Primary Chequing Account Savings Accounts All savings accounts Premium Rate Savings Savings Amplifier U.S. Dollar Premium Rate Savings Savings Builder Banking For Students Newcomers Kids and Teens Canadian Defence Community Family Bundle Indigenous Banking Seniors Special Offers Overdraft Protection BMO Digital Banking Resources Help me choose a bank account Compare chequing accounts Banking fees and agreements Spend $500 within 3 months

No confirmed welcome offer

No welcome offer is confirmed for this card; Futello does not invent history.

Earning

Rewards

Category rates are not confirmed in the current catalogue.

Published combinations

Role in a strategy

Comparable alternatives

Published values use the same scenario within each use; groups do not form one overall ranking.

Best for Costco

CIBC Costco MastercardCIBC · Mastercard

Annual fees: $0
Annual net value: $47

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Cash Back MastercardDesjardins · Mastercard

Annual fees: $0
Annual net value: $23.50

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Go further

Evergreen guides with no numbers that go stale, and the full Futello methodology.

Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

View source