BMO Ascend™ World Elite®* Mastercard®*  🇨🇦

BMO Ascend™ World Elite®* Mastercard®*  🇨🇦
Welcome Bonus
Up to 100,000 Points
Ends May 31, 2024
Annual Fee
$150
First Year Annual Fee Rebate (terms apply)
  • 5X points on travel purchases
  • Access to VIP Lounges
  • Accepted at Costco
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
23.99 %
Balance Transfer Rates
23.99 %

BMO Ascend™ World Elite®* Mastercard®*
BMO Ascend™ World Elite®* Mastercard®*
Up to 100,000 Points
Ends May 31, 2024
Apply Now

Offer

  • Welcome offer: Get up to 100,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users.*
  • 5x the points for every $1 spent on eligible travel purchases,* 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,* 1 point for every $1 spent everywhere else.*
  • Now get the highest rewards points for travel of any premium flexible travel card in Canada!†
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
  • Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Points you can use to cover all flight charges & taxes*
  • Fly on any airline, with no blackout dates*
  • Redeem your points at any time through the BMO Rewards center.
  • Best-in-class travel and medical insurance (unlimited trips per year)*

Fees & Conditions

Personal Income $80,000
Household Income $150,000
Annual Fee $150
First Year Annual Fee Rebate
First Additional Card $50
Other Additional Card $50
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 23.99%
Balance Transfer Rates 23.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First Year Annual Fee Rebate
-
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Offer ends on May 31, 2024
Welcome Bonus amount Up to 100,000 Points
Minimum Spending Required $37,500
Minimum Spending Timeframe (Months) 15 month(s)
VIP Lounges
Lounge Annual Visits included 4
Concierge
Costco

Earnings

Per dollar of purchases

All Spending 1 Point
Groceries 1 Point
Gas 1 Point
Dining and Food delivery 3 Points
Convenience Stores 1 Point
Drugstores 1 Point
Local Transport 1 Point
Travel 5 Points
Entertainment 3 Points
Recurring Payments 3 Points
Telecom/Internet 3 Points
Streaming services 3 Points
Online transactions 1 Point
Office Supplies 1 Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
Insurance Document

Our review

The BMO Ascend World Elite Mastercard is one of the best World Elite Mastercard credit cards with travel points in Canada. With our exclusive offer, you can get up to 100,000 bonus points:

  • 55,000 points after $4,500 in Card purchases in the first 3 months
  • 3,750 points per month after $2,500 in monthly purchases from the 4th to the 15th month (up to 45,000 points)

Plus, the annual fee is waived in the first year for both the primary cardholder and authorized users.

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 (flights, hotels, car rentals, all-inclusive resorts, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

The BMO Ascend World Elite Mastercard also offers:

  • Four annual complimentary passes to airport VIP lounges
  • Excellent Premium insurance for your travels or purchases
  • a premium concierge service

Frequently Asked Questions

  • How do I contact BMO Mastercard?

    To reach BMO Mastercard (Bank of Montreal), you can use one of the following options:

    1. Call Customer Service: You can call BMO Customer Service at 1-800-361-3361. They will be able to help you with any questions you may have about your BMO Mastercard.

    2. Use online chat: BMO also offers online chat on its website where you can ask questions and get help in real-time.

    3. Visit a branch: If you prefer in-person assistance, you can visit your nearest BMO branch for assistance with your BMO Mastercard.

  • How do I activate my new BMO World Elite Mastercard?

    To activate your new BMO World Elite Mastercard, you can follow these steps:

    1. Log in to your account online: Go to the BMO website and log in to your account using your credentials.

    2. Find the “Cards” section: Once logged in, look for the “Cards” section on your account home page.

    3. Select “Activate Card”: Find the card you wish to activate and select the “Activate Card” option.

    4. Enter the requested information: Follow the on-screen instructions and enter the requested information, such as your card number and expiration date.

    5. Verify details: Make sure all information entered is correct before confirming your card activation.

    6. Complete the process: Once you have verified that all the information is correct, you can confirm the activation of your card.

    You can also activate your card by calling BMO Customer Service at 1-800-361-3361. Follow the on-screen instructions to speak to a representative and activate your card over the phone.

  • How do I use BMO Rewards points?

    If you have a BMO Rewards Card, you can use your BMO points to redeem rewards. Here’s how to use your BMO points:

    1. Log in to your account online: Access the BMO website and log in to your account using your credentials.

    2. Go to the Rewards section: Once logged in, go to the Rewards section on your account home page.

    3. Find the rewards you want: Search for the rewards you want based on the number of BMO points you have.

    4. Redeem your points for rewards: Once you’ve found the rewards you want to redeem, follow the instructions on the screen to confirm the redemption and use your BMO points.

    5. Receive your rewards: Once you redeem your BMO points for rewards, they will be sent to the address you provide or added to your online account.

    It is important to note that reward options may vary depending on the type of BMO card you have and the reward program you are enrolled in. You can visit the BMO website or contact customer service for more information on the reward options available for your specific card.

  • How much is 1 BMO Rewards point worth?

    The value of a BMO point depends on the rewards program associated with your BMO credit card. In general, the value of each BMO point will be approximately 0.67 cents according to Milesopedia.

    For example, if the value of a BMO point is 0.67 cents, that means 10,000 BMO points can be redeemed for $67 in rewards.

  • Does the BMO Ascend World Elite Mastercard offer a concierge service?

    Yes, the BMO Ascend World Elite Mastercard offers a premium concierge service.

    BMO World Elite Mastercard Concierge Service is an exclusive service offered to BMO World Elite Mastercard credit cardholders. It is a personalized concierge service that offers assistance to answer your requests and help you in various areas such as:

    1. Travel: The concierge service can help you plan your trips, book flights, hotels, car rentals and find tourist attractions in the destination of your choice.

    2. Reservations: You can also use the concierge service to book tickets for sporting events, concerts or shows.

    3. Shopping: The Concierge Service can help you find specific products, compare prices and make purchases online or over the phone.

    4. Gifts: The concierge service can help you find gifts for special occasions and even arrange delivery.

    When you use the BMO World Elite Mastercard Concierge Service, you’ll receive personalized service and professional assistance with your requests. It is available 24 hours a day, 7 days a week and can be accessed online, by phone or by email. Please note that fees may apply for certain services offered by the concierge service.

Alternative Cards

  • 3X miles at participating AIR MILES partners
  • Premium Insurance
  • Accepted at Costco
Learn More
Best AIR MILES Credit Card in 2024
  • Limited time offer: Get 3,000 AIR MILES Bonus Miles! That’s enough for $310 towards purchases with AIR MILES Cash! Plus, get the $120 annual fee waived for the first year.

 

  • Get 3x the Miles for every $12 spent at participating AIR MILES Partners and 2x the Miles for every $12 spent at any eligible grocery store*.
  • Earn 1 reward mile for every $12 in credit card purchases, everywhere you spend*
  • Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
  • BMO AIR MILES World Elite Travel and Medical Protection*
  • BMO Concierge Service
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
Legal

*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 23.99 %
  • Balance Transfer Rates 23.99 %
Earning Rate
  • AIR MILES partners0.25miles
  • All Spending0.08miles
  • Groceries0.08miles
Value
  • Year 1 $686
  • Year 2+ $101
Best For
Transfer Partners
  • AIR MILES

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • 5X points on groceries, gas, dining and transit
  • $50 Annual Credit
  • Visa Infinite Benefits
Learn More
Best credit card for gas and transit in 2023
  • Welcome offer: Get up to 70,000 points worth $467 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year – that’s a $637 value in your first year!*
  • Earn 5x the BMO Rewards points on groceries, dining, gas and transit*
  • Get 1 BMO Reward for every $1 spent on everything else*
  • Get a $50 annual lifestyle credit to spend however you want*
  • Earn 10% more points when you add an authorized user to your account*
  • Mobile Device Insurance that covers you for up to $1,000*
  • Pay with Points by browsing your recent transactions & redeem your points for as little as $1
Legal

*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 23.99 %
  • Balance Transfer Rates
Earning Rate
  • Groceries5Points
  • Gas5Points
  • Dining and Food delivery5Points
Value
  • Year 1 $1,072
  • Year 2+ $365
Best For
Transfer Partners
  • BMO Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • 5X points on groceries, gas, pharmacy, dining and transit
  • $200 Annual Credit
  • Access to VIP Lounges
Learn More
  • Welcome offer: Get up to 120,000 points*
  • Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
  • Get 1 BMO Reward for every $1 spent on everything else*
  • Get a $200 annual lifestyle credit to spend however you want*
  • Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
  • Earn 25% more points when you add an authorized user to your account*
  • Mobile Device Insurance that covers you for up to $1,000*
  • Pay with Points by browsing your recent transactions & redeem your points for as little as $1
  • Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
  • Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*
Legal

*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Annual Fee
  • Primary card $499
  • Additional card $99
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 23.99 %
  • Balance Transfer Rates
Earning Rate
  • Groceries5Points
  • Gas5Points
  • Dining and Food delivery5Points
Value
  • Year 1 $1,222
  • Year 2+ $421
Best For
Transfer Partners
  • BMO Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
4.4 Milesopedia Rating