The BMO CashBack Master is a personal credit card from BMO CashBack Master. Application typically pulls a credit report from Experian. The annual fee is $0. The ongoing APR is 19.99% - 24.99% Variable after a 0% introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: Earn $100 cash back after spending $1,000 in the first 3 months.. Rewards: 1.5% cash back on all purchases.. Cash back: 1.5% on all purchases.. Typical credit limit: $500 - $25,000. This product reports activity to your personal credit report. [SOFT PULL ONLY] | No annual fee and rewards on every purchase. | EXPERT REFERENCE (Dec 2025): Credit bureau: TransUnion | EXPERT REFERENCE (Dec 2025): Approval flow: Soft-pull pre-approval, especially for existing customers | EXPERT REFERENCE (Dec 2025): Availability: Nationwide | EXPERT REFERENCE (Mar 2026): Credit bureau: TransUnion | EXPERT REFERENCE (Mar 2026): Approval flow: Soft-pull pre-approval, especially for existing customers | EXPERT REFERENCE (Mar 2026): Availability: Nationwide