Scotiabank Passport™ Visa Infinite* Card
Scotiabank Passport™ Visa Infinite* Card
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points.
See Offer

BMO Rewards Credit Cards: Exclusive Offers Up to 200,000 points – Winter 2026

Marie-Ève Leclerc
Marie-Ève Leclerc Marie-Ève Leclerc
Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.
All posts by Marie-Ève Leclerc
Feb 2, 2026
Fact checked by
Caroline Tremblay
Caroline Tremblay Caroline Tremblay
Caroline, a loyalty program specialist, helps families maximize their points to travel more frequently and affordably. With expertise in Disney, AIR MILES, and Costco, she travels the world with her partner and two children through rewards. Passionate about the latest in loyalty programs, Caroline shares tips to help you earn more points and turn your travel dreams into reality.
All posts by Caroline Tremblay
A happy couple shopping outdoors, carrying colorful bags and smiling
Editor's note from Milesopedia.com
Credit Cards BMO Rewards Credit Cards: Exclusive Offers Up to 200,000 points – Winter 2026
To the point Here are the exclusive offers from Bank of Montreal (BMO) for BMO Rewards credit cards: up to 200,000 points!
Milesopedia recommends this card from BMO
bmo ascend world elite mastercard
BMO Ascend™ World Elite®* Mastercard®*
Up to 115,000 Points Ends Mar 31, 2026
Apply Now
Compare
Learn More

How to choose the best BMO card for your profile

Here is a summary table of the new welcome offers for BMO Rewards credit cards. For offer details, continue reading and check out our analyses.

BMO Rewards Offer Details

Here are the details of the offers for the five BMO Rewards credit cards:

BMO Ascend™ World Elite®* Mastercard®*

The BMO Ascend World Elite Mastercard is one of the best World Elite Mastercard credit cards with travel points in Canada. With our exclusive welcome offer, you can get up to 115,000 points:

  • 60,000 points after $5,000 in purchases within the first 110 days of account opening
  • 20,000 points after $10,000 in purchases within the first 180 days of account opening
  • 35,000 points after $20,000 in purchases within the first 365 days of account opening

115,000 BMO Rewards points have a value of approximately $770, which you can apply to any travel charged to your card.

And there are no annual fees for the first year for the primary cardholder and additional cardholders! This exclusive offer ends on March 31, 2026.

Plus, enjoy a 0% welcome interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

With the BMO Ascend World Elite Mastercard, a premium credit card from BMO, you get:

  • 5 points per dollar on travel purchases
  • 3 points per dollar on dining purchases
  • 3 points per dollar for entertainment purchases
  • 3 points per dollar on recurring bill payments

And 1 point for every $1 spent everywhere else, including at Costco. You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

The BMO Ascend World Elite Mastercard also offers:

  • 4 complimentary visits to airport VIP lounges
  • Excellent premium insurance for your travels or purchases
  • Premium concierge service

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

BMO Ascend World Elite Mastercard - How to Maximize the Welcome Offer

As you can see, to get the full 115,000-point welcome bonus, there are several spending tiers to reach.

You could simply choose to reach the first tier, which already offers you 60,000 points after $5,000 in purchases within the first 110 days of account opening. This already represents a value of approximately $400 for any travel purchase charged to the card!

But if you wish to unlock the full welcome bonus, here is a simulation of the points you could earn by making your purchases in the accelerated categories offering 3 points per dollar:

  • Dining
  • Entertainment
  • Recurring Bill Payments

Also, remember that you earn 5 points per dollar on travel purchases.

Month Purchases 3x Category Bonus Cumulative Total
1 $1,667 5,001 points – 5,001 points
2 $1,667 5,001 points – 10,002 points
3 $1,667 5,001 points 60,000 points 75,003 points
4 $1,667 5,001 points – 80,004 points
5 $1,667 5,001 points – 85,005 points
6 $1,667 5,001 points 20,000 points 110,006 points
7 $1,667 5,001 points – 115,007 points
8 $1,667 5,001 points – 120,008 points
9 $1,667 5,001 points – 125,009 points
10 $1,667 5,001 points – 130,010 points
11 $1,667 5,001 points – 135,011 points
12 $1,667 5,001 points 35,000 points 175,012 points
Total $20,004 60,012 points 115,000 points 175,012 points

175,012 BMO Rewards points are worth $1,172 for any travel purchase.

This also means that for $20,004 in purchases over 12 months, this represents a return of approximately 5.8% if you use your points for a statement credit for any travel purchase.

Given that the first year is free, you have a net value of $1,172 by unlocking the full welcome offer and making your purchases in the 3x points categories.

And remember, this card includes annual benefits, such as four complimentary airport lounge visits and excellent insurance coverage for your purchases and travel!

BMO eclipse Visa Infinite* Card

By applying for our offer for the BMO eclipse Visa Infinite* Card, you can obtain up to 70,000 BMO Rewards points as well as the first-year annual fee waiver of $120:

  • 30,000 points after $4,000 in purchases within the first 110 days of account opening
  • 20,000 points after $7,000 in purchases within the first 180 days of account opening
  • 20,000 points after $12,000 in purchases within the first 365 days of account opening

What’s more, you’ll receive a $50 anniversary credit that you can use as you please. You also receive a $20 monthly credit for streaming service subscriptions for the first year.

With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar spent on:

  • Groceries
  • restaurants, bars
  • Food delivery
  • Gas
  • local transport

And 1 BMO Rewards point per dollar spent everywhere else. Plus, if you add an authorized user to your account, you’ll earn 10% more points.

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

Our review of this offer

BMO has decided to increase its official welcome offer for the BMO eclipse Visa Infinite* Card, from 40,000 to 70,000 points.

The offer we are presenting above is EXCLUSIVE to Milesopedia: 70,000 points, which is 10,000 points more than the one displayed on the BMO website.

The first part of the offer is relatively simple to obtain:

  • 40,000 points after $3,000 in purchases in 3 months.
  • The second part is for those who will regularly use the card: you will earn 2,500 points after $2,000 in purchases from the 4th month up to the 15th month (for a total of 30,000 points).

To better explain the breakdown of the welcome bonus and provide a visual aid, here is a summary table, also including the required spending and points earned through these expenses (based on purchase categories of 1 to 5 points per dollar):

Month Purchases Category (1X or 5X) Bonus Total
1 $1,000 1,000 – 5,000 points – 1,000 – 5,000 points
2 $1,000 1,000 – 5,000 points – 1,000 – 5,000 points
3 $1,000 1,000 – 5,000 points 40,000 points 41,000 – 45,000 points
Total $3,000 3,000 – 15,000 points 40,000 points 43,000 – 55,000 points
4 $2,000 2,000 – 10,000 points 2,500 points 4,500 – 12,500 points
5 $2,000 2,000 – 10,000 points 2,500 points 4,500 – 12,500 points
6 $2,000 2,000 – 10,000 points 2,500 points 4,500 – 12,500 points
7 $2,000 2,000 – 10,000 points 2,500 points 4,500 – 12,500 points
8 $2,000 2,000 – 10,000 points 2,500 points 4,500 – 12,500 points
9 $2,000 2,000 – 10,000 points 2,500 points 4,500 – 12,500 points
10 $2,000 2,000 – 10,000 points 2,500 points 4,500 – 12,500 points
11 $2,000 2,000 – 10,000 points 2,500 points 4,500 – 12,500 points
12 $2,000 2,000 – 10,000 points 2,500 points 4,500 – 12,500 points
13 $2,000 2,000 – 10,000 points 2,500 points 4,500 – 12,500 points
14 $2,000 2,000 – 10,000 points 2,500 points 4,500 – 12,500 points
15 $2,000 2,000 – 10,000 points 2,500 points 4,500 – 12,500 points
Total $27,000 27,000 – 120,000 points 70,000 points 97,000 – 205,000 points

As you can see, during the first year, you can earn a bonus of 70,000 points, in addition to the points accumulated with your purchases. The condition is to strictly meet the minimum spending amount during the allotted period.

And don’t forget that this Card offers an annual $50 credit which is automatically applied to the first purchase of $50 or more made on the card. This brings the annual fee down to $70 instead of $120… every year!

BMO eclipse Visa Infinite Privilege* Card

The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! By applying for this card, you can earn up to 200,000 BMO Rewards points:

  • 80,000 points after $6,000 in purchases within the first 110 days of account opening
  • 40,000 points after $40,000 in purchases within the first 180 days of account opening
  • 80,000 points after $75,000 in purchases within the first 365 days of account opening

Additionally, you benefit from a 0% welcome interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

Plus, you’ll receivea $200 anniversary credit to use as you wish!

As well as a membership to the Visa Airport Companion program with six complimentary visits per year to airport lounges.

With this Card, you can earn 5 BMO Rewards points per dollar spent on:

  • Groceries
  • Gas
  • Drugstores
  • Travel
  • restaurants and bars
  • Food delivery

And 1 BMO Rewards point per dollar spent everywhere else.

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

BMO eclipse rise Visa* Card

The new BMO eclipse rise Visa* Card is a no-annual-fee credit card with travel points, requiring no minimum income.

With this offer, you can earn up to 25,000 points as a welcome bonus:

  • 20,000 points after $1,500 in purchases in the first 3 months
  • 2,500 points when you redeem 12,000 points with the Pay with Points option over a 12-month period
  • 2,500 points when you pay the balance on time for 12 months

What’s more, you can benefit from an interest rate of 0.99% on balance transfers for nine months (a 2% balance transfer fee applies).

With the new BMO eclipse rise Visa* Card, you earn :

  • 5 points for every two dollars spent on recurring bill payments
  • 5 points for every two dollars spent at the grocery store
  • 5 points for every two dollars spent at restaurant and for takeaway
  • 1 point per two dollars of purchases for all other purchase categories

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

The new BMO eclipse rise Visa* Card also offers:

  • Mobile Device Insurance
  • Purchase Protection
  • Extended warranty insurance

Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.

Which BMO card to choose?

Based on your profile, here is the BMO card to choose:

Come to discuss that topic in our Facebook Group!
Marie-Ève Leclerc
Marie-Ève Leclerc
Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.
All posts by Marie-Ève Leclerc
Region
Canada

Suggested Reading

Receive our newsletter every week!

Savings are here (if you don’t see the sign-up form, please click here):

Milesopedia