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BMO Cashback World Elite Mastercard Review - OVERRATED?Earning Rewards � Earn 5% cash back on groceries, up to $ spent per month* � Earn 4% cash back on transit, up to $ spent per month* � Earn 3%. Earning categories ; 10%. On qualified spend ; 5%. On groceries ; 4%. On transit including ride sharing, taxis and public transportation* ; 3%. On gas and electric. How you earn rewards � 5% cash back on groceries, up to $ in monthly spend � 4% cash back on transit, up to $ in monthly spend � 3% cash.