Best BMO Credit Cards in Canada - October 2026

Looking for the best BMO Credit Cards in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.

Compare the 10 cards in our selection below. Interested in a card? Click Read review to read our full analysis.

Our selection — BMO
Credit card	Annual fee	Welcome offer
ExclusiveBMO Ascend^™ World Elite^®* Mastercard^®* Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$150 $0First Year Annual Fee Rebate	Welcome offerAfter $20,000 in 12 months Up to 115,000 points After $20,000 in 12 months	Apply NowCompareRead review
BMO CashBack^® World Elite^®* Mastercard^®* Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$139 $0First Year Annual Fee Rebate	Welcome offerGet 40 points after $2,000 in purchases per month for 12 months Up to $480 cash back Get 40 points after $2,000 in purchases per month for 12 months	Apply NowCompareRead review
BMO VIPorter World Elite^®* Mastercard^®* Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$199 $0First Year Annual Fee Rebate	Welcome offer+ one round-trip companion passAfter $18,000 in 12 months Up to 70,000 pointsEnds Oct 31, 2026 + one round-trip companion passAfter $18,000 in 12 months	Apply NowCompareRead review
BMO eclipse Visa Infinite* Card Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$120 $0First Year Annual Fee Rebate	Welcome offerAfter $12,000 in 12 months Up to 70,000 points After $12,000 in 12 months	Apply NowCompareRead review
BMO Preferred Rate Mastercard^®* Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$29 $0First Year Annual Fee Rebate	Welcome offer$29 annual fee rebated First Year Annual Fee Rebate $29 annual fee rebated	Apply NowCompareRead review
BMO CashBack^® Mastercard^®* Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $2,500 in 3 months Up to $125 cash backEnds Oct 31, 2027 After $2,500 in 3 months	Apply NowCompareRead review
BMO Blue Rewards World Elite^®* Mastercard^®* Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$150 $0First Year Annual Fee Rebate	Welcome offerAfter $20,000 in 12 months Up to 100,000 pointsEnds Oct 31, 2026 After $20,000 in 12 months	Apply NowCompareRead review
BMO VIPorter Mastercard^®* Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$89 $0First Year Annual Fee Rebate	Welcome offerAfter $10,000 in 12 months Up to 40,000 pointsEnds Oct 31, 2026 After $10,000 in 12 months	Apply NowCompareRead review
BMO eclipse rise Visa* Card Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $1,500 in 3 months Up to 25,000 points After $1,500 in 3 months	Apply NowCompareRead review
BMO eclipse Visa Infinite Privilege* Card Apply NowCompareRead review	Annual fee$599	Welcome offerAfter $75,000 in 12 months Up to 200,000 pointsEnds Oct 31, 2026 After $75,000 in 12 months	Apply NowCompareRead review

BMO Ascend^™ World Elite^®* Mastercard^®*

Limited Time Offer

The BMO Ascend^™ World Elite^®* Mastercard^®* is one of the best World Elite Mastercard travel rewards credit cards in Canada. With our welcome offer, you can get up to 115,000 BMO Rewards points, for a total value of up to $1,900, including up to $200 in Instacart benefits.*

Plus, there’s no annual fee in the first year for the primary cardholder and additional cardholders, and you benefit from a 0% introductory interest rate on balance transfers for 12 months (with a 2% balance transfer fee).*

With the BMO Ascend^™ World Elite^®* Mastercard^®*, you get:

5 points per dollar on eligible travel*
3 points per dollar on eligible dining, entertainment, and recurring bill payments*
1 point per dollar on all other purchases*

The card also offers:

4 complimentary airport lounge accesses per year via Mastercard Travel Pass provided by DragonPass*
comprehensive travel insurance, including emergency medical coverage up to $5 million for 21 days*
A NEXUS statement credit in the first year*
Up to $200 in Instacart benefits*

ExclusiveCompare

BMO Ascend^™ World Elite^®* Mastercard^®*

BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$771Annual fee rebated$150Total$921Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $921
Welcome offerAfter $20,000 in 12 months: Up to 115,000 points

Annual fee

Primary card$150

Additional card$50

Annual income required

Individual$80,000

Household$150,000

Conversion fees

2.5%

Earning rate

5xTravel
3xRestaurants
3xStreaming
3xBills & recurring payments
3xEntertainment
3xTelecom
1xAll spending

Value

1st Year Value$1,148

2nd Year Value$289

Card benefits

Airport lounge access$160

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 21 days

Travel medical (55-64)Up to $5,000,000 / 21 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

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BMO CashBack^® World Elite^®* Mastercard^®*

BMO CashBack^® World Elite^®* Mastercard^®* is one of Canada’s best cash back Mastercard credit cards.

Right now, you can get up to $650 in value, including $40 cash back each month in your first year. Plus, you won’t have to pay the $139 annual fee in the first year.

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

With the BMO CashBack^® World Elite^®* Mastercard^®*, you get great cash back rates in the categories that matter most:

5% on groceries*
4% on transit including ride sharing, taxis and public transportation*
3% on gas and electric vehicle charging*
2% on recurring bill payments*
1% cash back on all other purchases, with no limit on the amount of cash back you can earn*

You also enjoy practical benefits like free membership in Mastercard Travel Pass provided by DragonPass, free roadside assistance services, discounts on car rentals with National, Alamo and Enterprise, as well as comprehensive travel and purchase insurance coverage.

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

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BMO CashBack^® World Elite^®* Mastercard^®*

BMO Cash BackFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$480Annual fee rebated$139Total$619Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $619
Welcome offerGet 40 points after $2,000 in purchases per month for 12 months: Up to $480 cash back

Annual fee

Primary card$139

Additional card$50

Annual income required

Individual$80,000

Household$150,000

Conversion fees

2.5%

Earning rate

5xGroceries
4xTransit
3xGas & EV
2xStreaming
2xBills & recurring payments
1xAll spending

Value

1st Year Value$1,146

2nd Year Value$401

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 8 days

Travel medical (55-64)Up to $5,000,000 / 8 days

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

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BMO VIPorter World Elite^®* Mastercard^®*

With this offer for the BMO VIPorter World Elite Mastercard, you get up to 70,000 VIPorter points and a round-trip companion pass. Plus, you pay no annual fees for the first year and receive $1,000 in eligible spending towards your VIPorter status.

Here’s how to get your full welcome bonus:

20,000 points after $5,000 in purchases within the first 110 days of account opening
20,000 points, a round-trip companion pass, and $1,000 in eligible spending towards your VIPorter status after $9,000 in purchases within the first 180 days of account opening
30,000 points after $18,000 in purchases within the first 365 days of account opening

So, to get the full welcome bonus of 70,000 VIPorter points, you’ll need to spend $18,000 in the first year.

With the BMO VIPorter World Elite Mastercard, you earn 3 points per dollar at Porter and 2 points per dollar on gas, transportation, grocery, restaurant and hotel purchases. And 1 point per dollar on all other purchases, including Costco.

With the BMO VIPorter World Elite Mastercard, you and up to 8 companions travelling on the same booking enjoy Porter travel benefits such as:

On free checked bag
1 complimentary carry-on bag on all Porter fare types
Free PorterClassic seat selection
Priority security screening.
Priority rebooking on another flight in case of a delay
Exclusive check-in.
Early boarding

Additionally, as a BMO VIPorter World Elite Mastercard holder, your VIPorter points do not expire, and you automatically receive VIPorter Horizon Grand Traveller status. You also earn $1 in eligible spending towards your Porter status for every $25 spent.

You can also earn one round-trip companion pass per year if you spend $50,000 on your BMO VIPorter World Elite Mastercard during your membership year.

Finally, you are covered by a wide range of insurance policies:

21-day out-of-province or country emergency medical insurance
Trip Cancellation/Interruption/Delay insurance
Car rental-collision/loss damage insurance
Common carrier insurance
Flight Delay Insurance
Baggage insurance
Hotel burglary insurance
Purchase Protection
Extended warranty insurance

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

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BMO VIPorter World Elite^®* Mastercard^®*

BMO Porter VIPorter First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $199
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,249
Welcome offer+ one round-trip companion passAfter $18,000 in 12 months: Up to 70,000 points; Ends Oct 31, 2026

Annual fee

Primary card$199

Additional card$75

Annual income required

Individual$80,000

Household$150,000

Conversion fees

2.5%

Earning rate

3xPorter flights
2xGroceries
2xConvenience
2xTransit
2xGas & EV
2xRestaurants
1xAll spending

Value

1st Year Value$1,734

2nd Year Value$316

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 21 days

Travel medical (55-64)Up to $5,000,000 / 21 days

Trip CancellationUp to $2,000

Trip InterruptionIncluded

Delayed BaggageIncluded

Lost BaggageIncluded

Flight DelayIncluded

Hotel BurglaryIncluded

Travel AccidentIncluded

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

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BMO eclipse Visa Infinite* Card

The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.

It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.

With the BMO eclipse Visa Infinite* Card, you also get:

5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
1 BMO Rewards point for every dollar spent on all other purchases*
10% more points when you add an authorized user to your account*
Mobile device insurance offering coverage up to $1,000*
The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*

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BMO eclipse Visa Infinite* Card

BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $589
Welcome offerAfter $12,000 in 12 months: Up to 70,000 points

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

5xTransit
5xGas & EV
5xRestaurants
5xGroceries
1xAll spending

Value

1st Year Value$1,088

2nd Year Value$365

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 21 days

Travel medical (55-64)Up to $5,000,000 / 21 days

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

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BMO Preferred Rate Mastercard^®*

The BMO Preferred Rate Mastercard^®* is an excellent option for those who want to reduce interest charges or pay off a balance faster.

With this offer, you get a 0% introductory interest rate on balance transfers for 18 months, with a 3% transfer fee and no annual fee for the first year.*

The card also offers BMO’s lowest interest rate, at 13.99% on purchases, which may be appealing if you occasionally carry a balance on your card.*

With the BMO Preferred Rate Mastercard^®*, you also get:

Extended warranty insurance and purchase protection insurance*
The option to add another cardholder for free*
Zero Liability Protection, which protects you against unauthorized transactions*
A card accepted at more than 30 million merchants worldwide*
Three months of Instacart+ membership plus a $5 monthly Instacart credit with an eligible card*

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BMO Preferred Rate Mastercard^®*

BMO First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $29
Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $29
Welcome offer$29 annual fee rebated: First Year Annual Fee Rebate

Annual fee

Primary card$29

Additional card$0

Conversion fees

2.5%

Earning rate

0xAll spending

Value

2nd Year Value$-29

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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BMO CashBack^® Mastercard^®*

The BMO CashBack Mastercard is a no-annual-fee, cash-back credit card. With the BMO CashBack Mastercard, you can earn 5% cash back for the first three months. This represents a maximum welcome bonus of $125 :

5% cash back on up to $500 in eligible grocery purchases, for a $25 bonus
5% cash back on up to $500 in eligible recurring bill payments, for a $25 bonus
5% cash back on up to $1,500 in all other eligible purchases, for a $75 bonus

Then you get a cash back rate of:

3% cash back on grocery purchases, including at Walmart Supercenters
1% cash back on recurring bill payments

You can also get a 0.99% welcome interest rate on balance transfers for nine months.

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

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BMO CashBack^® Mastercard^®*

BMO Cash Back

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$125Total$125Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $125
Welcome offerAfter $2,500 in 3 months: Up to $125 cash back; Ends Oct 31, 2027

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

3xGroceries
1xBills & recurring payments
0.5xAll spending

Value

1st Year Value$440

2nd Year Value$258

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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BMO Blue Rewards World Elite^®* Mastercard^®*

With this offer for the BMO Blue Rewards World Elite Mastercard, you can get up to $1,600 in value. In addition, you pay no annual fee in the first year.

Here’s how to get your full welcome offer:

45,000 points after $5,000 in purchases within the first 110 days after account opening
20,000 points after $10,000 in purchases within the first 180 days after account opening
35,000 points after $20,000 in purchases within the first 365 days after account opening

So, to get your full welcome offer, you’ll need to spend $20,000 in the first year.

With the BMO Blue Rewards World Elite Mastercard, you earn 10 points per dollar at participating Blue Rewards partners and 2 Points for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchase (including Costco). And 1 point per dollar for all other purchases. The 10-point rate applies on up to $25,000 in net purchases per calendar year at partners, and the 2-point rate on up to $500 per category, per statement cycle.

You can also take advantage of a 0% introductory interest rate on balance transfers for 12 months, with a 2% balance transfer fee.

The card also offers:

4 complimentary airport lounge accesses per year via Mastercard Travel Pass provided by DragonPass*
comprehensive travel insurance, including emergency medical coverage of up to $5 million for 15 days*

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

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BMO Blue Rewards World Elite^®* Mastercard^®*

BMO Blue RewardsFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$670Annual fee rebated$150Total$820Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $820
Welcome offerAfter $20,000 in 12 months: Up to 100,000 points; Ends Oct 31, 2026

Annual fee

Primary card$150

Additional card$50

Annual income required

Individual$80,000

Household$150,000

Conversion fees

2.5%

Earning rate

2xGroceries
2xGas & EV
1xAll spending

Value

1st Year Value$943

2nd Year Value$226

Card benefits

Airport lounge access$200

Travel insurance

Travel medical (under 55)Included

Travel medical (55-64)Included

Trip CancellationIncluded

Trip InterruptionIncluded

Delayed BaggageIncluded

Lost BaggageIncluded

Flight DelayIncluded

Hotel BurglaryIncluded

Travel AccidentIncluded

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionIncluded

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BMO VIPorter Mastercard^®*

With this offer for the BMO VIPorter Mastercard, you’ll earn up to 40,000 VIPorter points and a 35% off flight voucher. Plus, you pay no annual fee for the first year.

Here’s how to get your full welcome bonus:

10,000 points after $3,000 in purchases within the first 110 days of account opening
15,000 points and a 35% off flight voucher after $6,000 in purchases within the first 180 days of account opening
15,000 points after $10,000 in purchases within the first 365 days of account opening

So, to get the full welcome bonus of 40,000 VIPorter points, you’ll need to spend $10,000 in the first year.

With the BMO VIPorter Mastercard, you earn 2 points per dollar at Porter and 1 point per dollar on gas, transportation, grocery, restaurant and hotel purchases. And 0.5 points per dollar on all other purchases, including Costco.

With the BMO VIPorter Mastercard, you and up to 8 companions travelling on the same booking enjoy Porter travel benefits such as:

Priority rebooking on another flight in case of a delay
Exclusive check-in.
Early boarding

Additionally, as a BMO VIPorter Mastercard holder, your VIPorter points do not expire and you automatically receive VIPorter Passport Grand Traveller status. You also earn $1 in eligible spending towards your Porter status for every $25 spent.

Finally, you are covered by a wide range of insurance policies:

8-day out-of-province or country emergency medical insurance
Car rental-collision/loss damage insurance
Common carrier insurance
Flight Delay Insurance
Baggage insurance
Hotel burglary 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.

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BMO VIPorter Mastercard^®*

BMO Porter VIPorter First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $89
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Annual fee rebated$89Total$689Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $689
Welcome offerAfter $10,000 in 12 months: Up to 40,000 points; Ends Oct 31, 2026

Annual fee

Primary card$89

Additional card$35

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xPorter flights
1xGroceries
1xTransit
1xRestaurants
1xGas & EV
1xConvenience
0.5xAll spending

Value

1st Year Value$942

2nd Year Value$168

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 8 days

Travel medical (55-64)Up to $5,000,000 / 8 days

Delayed BaggageIncluded

Lost BaggageIncluded

Flight DelayIncluded

Hotel BurglaryIncluded

Travel AccidentIncluded

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

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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.

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BMO eclipse rise Visa* Card

BMO BMO Rewards

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$168Total$168Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $168
Welcome offerAfter $1,500 in 3 months: Up to 25,000 points

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2.5xBills & recurring payments
2.5xGroceries
2.5xRestaurants
0.5xAll spending

Value

1st Year Value$469

2nd Year Value$218

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

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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 $30,000 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.

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

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BMO eclipse Visa Infinite Privilege* Card

BMO BMO Rewards

Annual fee: $599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,340Total$1,340Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,340
Welcome offerAfter $75,000 in 12 months: Up to 200,000 points; Ends Oct 31, 2026

Annual fee

Primary card$599

Additional card$99

Annual income required

Individual$150,000

Household$200,000

Conversion fees

2.5%

Earning rate

5xRestaurants
5xTravel
5xGroceries
5xGas & EV
5xPharmacy
1xAll spending

Value

1st Year Value$52

2nd Year Value$321

Card benefits

Airport lounge access$240

Travel creditsIncluded

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 21 days

Travel medical (55-64)Up to $5,000,000 / 21 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $1,000

Lost BaggageUp to $2,500

Flight DelayUp to $1,000

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

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See more cards →

Here’s how to get your full welcome bonus:

20,000 points after $5,000 in purchases within the first 110 days of account opening
20,000 points, a round-trip companion pass, and $1,000 in eligible spending towards your VIPorter status after $9,000 in purchases within the first 180 days of account opening
30,000 points after $18,000 in purchases within the first 365 days of account opening

So, to get the full welcome bonus of 70,000 VIPorter points, you’ll need to spend $18,000 in the first year.

With the BMO VIPorter World Elite Mastercard, you and up to 8 companions travelling on the same booking enjoy Porter travel benefits such as:

On free checked bag
1 complimentary carry-on bag on all Porter fare types
Free PorterClassic seat selection
Priority security screening.
Priority rebooking on another flight in case of a delay
Exclusive check-in.
Early boarding

You can also earn one round-trip companion pass per year if you spend $50,000 on your BMO VIPorter World Elite Mastercard during your membership year.

Finally, you are covered by a wide range of insurance policies:

21-day out-of-province or country emergency medical insurance
Trip Cancellation/Interruption/Delay insurance
Car rental-collision/loss damage insurance
Common carrier insurance
Flight Delay Insurance
Baggage insurance
Hotel burglary insurance
Purchase Protection
Extended warranty insurance

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®*

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Card benefits

Travel insurance

Purchase protection

BMO CashBack® World Elite®* Mastercard®*

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

BMO VIPorter World Elite®* Mastercard®*

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

BMO eclipse Visa Infinite* Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

BMO Preferred Rate Mastercard®*

Annual fee

Conversion fees

Earning rate

Value

Purchase protection

BMO CashBack® Mastercard®*

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

BMO Blue Rewards World Elite®* Mastercard®*

Annual fee

Annual income required

Conversion fees

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