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BMO CREDIT CARD REVIEW 2024 - Are The Best BMO Credit Cards With No Fee Worth Having?After your first three months, you will receive a 3% cashback rate on grocery purchases, 1% on recurring bill payments, and % (available at all times) on all. BMO AIR MILES�� Mastercard � $0 annual fee � % for purchases � % for cash advances (% for Quebec residents). To access BMO Online Banking, you will need your BMO Debit Card and the account number(s) linked to your card. You'll be asked some security questions.