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BMO Harris Cashback Mastercard Credit Card ReviewThe BMO card's strength is its wide range of categories and easy cashback redemption. You can get cash back on purchases with a balance of $1 or. Log into your account through BMO Online Banking by using the link found in your credit card account. 3% cash back on groceries (up to $ per month) � 1% cash back on recurring bill payments (up to $ per month) � % cash back on all other purchases.