What is BMO Credit Card?

BMO Credit Card bills average around $580/month for a typical household. Virtually all BMO consumer cards are Mastercard, so every BMO card shares the single 'BMO Mastercard' payee; paying in full preserves a 21+ day interest-free grace period.

How to Get Cash Back on Your BMO Credit Card Bill

1. Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
2. Add BMO Credit Card as a payee: search "BMO Credit Card" in Bills. It's typically listed as BMO MASTERCARD.
3. Enter your card number: find it on the front of your BMO card or your monthly statement.
4. Pay with your preferred credit card: one-time or recurring. Your card earns its normal rewards; Neobanc adds cash back on top.
5. Earn cash back on every payment: cash back lands in your Neobanc balance. Withdraw it or put it toward next month's bill.

Where to Find Your BMO Credit Card Card Number

Check the front of your BMO card or your monthly statement. Enter it exactly as shown when adding the payee.

Can I Pay BMO Credit Card With a Credit Card?

Yes, and it's the whole point. Most billers don't reward you for how you pay. Through Neobanc, your card earns its normal rewards and Neobanc adds 1% to 2% cash back on top. On a typical $580/month BMO Credit Card bill, that's roughly $278 back per year between a 2% cash-back card and Neobanc, for the exact same bill.

The Math on Your BMO Credit Card Bill

Average $580/month: a 2% cash-back card returns about $11.60/month, and Neobanc adds $5.80 to $11.60 on top, roughly $278 per year for switching how you pay, not what you pay.

How do I save the most on my BMO Credit Card bill each month?

Change how you pay before what you pay. Paying by bank transfer or Pre-authorized debit earns nothing; the same bill through Neobanc with a cash-back card returns about $278 a year. Missed minimums mean ongoing interest (~20.99% purchases), possible penalty rates, and credit-bureau reporting. A recurring Neobanc payment a few business days before the due date earns on every cycle and never runs late.