Snapshot

BMO Cash Back Mastercard
BMO Cash Back Mastercard
Bilt World Elite Mastercard
Bilt World Elite Mastercard
IssuerBMO (US)Wells Fargo (Bilt)
NetworkMastercardMastercard
Card MaterialPlasticMetal
Annual Fee$0.00$0.00
Base Rate1.00%1.00%
Travel Rewards0.00x2.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee3%0%
LifecycleAvailableAvailable

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate1.0% (base)1.0% (base)
Telecommunications5.0%1.0% (base)
Cell phone5.0%1.0% (base)
cable/satellite TV5.0%1.0% (base)
Gas Stations3.0%1.0% (base)
Restaurants3.0%3.0%
Travel1.0% (base)2.0%
Rent (up to 100,000 points per year)1.0% (base)1.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNone14 partners
Annual CreditsNoneNone

Transfer Partners

1:1

Pricing Details

Purchase APR20.24% - 27.24%21.49% - 29.49%
Cash Advance APR29.24%29.49%
Penalty APRN/AN/A
Late Fee$40$40
Balance Transfer Feeundefined% (min $0)N/A

Insurance & Protections

Auto RentalSecondaryPrimary
Baggage Delay
Baggage Loss
Cell Phone ProtectionUp to $600 per claim, subject to $50 deductible (Max $1,000/year)Up to $800 per claim
Extended WarrantyDoubles original warranty up to 1 additional year
Purchase ProtectionUp to $10,000 per claim
Return Protection
Trip Cancellation InterruptionUp to $5,000 per passenger
Trip DelayUp to $200 per day (max $1,800)
Tsa Precheck Global Entry

Usability & Experience

Digital WalletN/AN/A
Instant Card Number
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard