BMO CashBack MASTERCARD Consumer Reviews

I registered for the BMO Cashback Credit Card and I never got the reward that was promoted: 5% cashback on all purchases for the first three months.

I spent close to $10,000 dollars in two months, and they gave me a lousy $23 dollars of cashback rewards.

When I called customer service, they didn't care and tried to gaslight me: my argument was that I should have gotten the 5% cashback after I activated and used the card, not the day when I applied for the card and she kept on saying "When you opened the account." A credit card isn't a checking account: you don't open it like a bank account. When I clarified that to her, she still kept repeating it and only offered me $30 instead. But $30 doesn't treat a matter of equity - other customers got the 3-month promotion I didn't - this is a case of equity and $30 dollars doesn't address that feeling.

BMO refuses to give me the 3 month cashback reward even when I've been a loyal customer of theirs for 10 years, using 4 different BMO Mastercard products since then and that says a lot to me about the company's business acumen - that they're willing to lose a customer over something that was really easy to solve.

I will be looking for a new card + bank in the next few days effectively taking my business elsewhere - BMO lost a loyal customer and in this case, they deserved it.