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  • 5X points on groceries and dining
  • No Foreign Transaction Fee
  • American Express Online Promotional Offers
Learn More
  • Earn up to $1,050 in welcome offers, first year rewards and savings value, including no annual fee in your first year, and up to 50,000 bonus Scene+ points.
  • You will not pay 2.5% in transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
  • Earn 6x Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 5x Scene+ points for every $1 you spend on restaurant, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
  • Earn 5x Scene+ points for every $1 you spend in Canada on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores. Includes movies, theatre and ticket agencies stores.
  • Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more.
  • Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services.
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases. Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
  • No Foreign Transaction Fee
  • Comprehensive Travel Insurance coverage
Legal

*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $120
  • Additional card $29
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries5Scene+ points
  • Dining and Food delivery5Scene+ points
  • Entertainment5Scene+ points
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Scene+

Advantages

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

Travel Insurance

Insurance Name
Included
Amount
Duration

Get up to 60,000 Aviosˆ with the RBC® British Airways Visa Infinite Card

Receive up to 60,000 Aviosˆ, here’s how:

  • Collect a 30,000 Avios Welcome Bonus when you spend $5,000 CAD in the first three months of account opening.
  • Collect a further 30,000 bonus Avios when you spend $5,000 CAD in months 4-6 of account opening.
  • If you do not meet the $5,000 CAD spend in the first three months, you can still collect 30,000 bonus Avios if you meet the spend requirement in months 4-6.

Benefits:

  • Earn 3 Avios for every $1 CAD spent on British Airways and BA Holidays*
  • Earn 2 Avios for every $1 CAD spent on qualifying dining spend*
  • Earn 1 Avios for every $1 CAD spent on qualifying net purchases*
  • Earn a companion voucher when you spend $30,000 CAD annually You can either take a companion with you or fly solo instead for a 50% Avios discount on the cost of one reward seat ticket. Plus, you'll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount when you make a Reward Flight booking.˜
  • 10% off British Airways flights when you book and pay with your card∞
  • Redeem for travel on British Airways and one world partner airlines**
  • Comprehensive Insurances including 31–day out of country/province emergency medical insurance1, flight delay insurance2, hotel burglary3 and rental car4 insurance. Even eligible purchases you make with the card are protected3.
  • Premium5 Visa Infinite benefits, such as no-wait service for events, as well as restaurant and hotel privileges through www.visainfinite.ca
  • Complimentary 24/7 Concierge Service5
  • Link your RBC card to your Petro-Points card and instantly save per liter on fuel at Petro-Canada stations, plus always earn 20% more Petro-Points and 20% more Avion Rewards points.
  • Link your RBC British Airways Visa Infinite card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Add your eligible RBC credit card to your DoorDash account to: Get a free 12-month subscription to DashPass±, a value of up to $120. Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Legal

Refer to RBC page for up to date offer terms and conditions

This offer only applies to new applications for a RBC British Airways Visa Infinite credit card received and approved by Royal Bank of Canada (“Royal Bank”) between July 23, 2025 and February 25, 2026 (“Offer Period”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC British Airways Visa Infinite credit card account are not eligible for this offer. Existing cardholders on any RBC Royal Bank personal credit card account transferring to a RBC British Airways Visa Infinite credit card, are not eligible for the offer.

To receive the initial offer of 30,000 Avios points (“Initial Bonus”), (i) a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first 90 days of your Credit Card Account opening date (“Initial Period”), and (ii) your Credit Card must remain open and in good standing, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time. If you are not currently a member of The British Airways Club, you will be enrolled automatically once you are approved for the RBC British Airways Visa Infinite credit card. Please note that the address your British Airways Club account is registered under must match the one for your RBC British Airways Visa Infinite account at all times for the Avios to be posted to your British Airways Club account. The Initial Bonus will be awarded to your British Airways Club account, approximately 15 weeks after the date you reach $5,000 in Qualifying Transactions within the Initial Period.

To receive the additional 30,000 Avios points (“Additional Bonus”), (i) a separate amount totaling $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within 91 – 180 days of your Credit Card Account opening date (“Subsequent Period”), and (ii) your Credit Card must remain open and in good standing at the time the Additional Bonus are awarded to your British Airways Club account, approximately 15 weeks after the date you reach $5,000 in Subsequent Qualifying Transactions.

For greater certainty, you may qualify for the Additional Bonus notwithstanding not having qualified for the Initial Bonus and likewise, you may qualify for the Initial Bonus and not qualify for the Additional Bonus where the Qualifying Transaction Amount has not been reached.

Eligible transactions do not include cash advances (i.e. balance transfers, cash-like transactions and bill payments that are not pre-authorized merchant payments), interest or other charges. and credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

If you close or change your RBC British Airways Visa Infinite credit card for another type of RBC Royal Bank credit card before the Initial Bonus and/or the Additional Bonus have been credited to your British Airways Club account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer unless otherwise set out. Royal Bank of Canada and British Airways reserve the right to modify, cancel or withdraw this offer at any time. British Airways, not Royal Bank of Canada, is responsible for this offer and The British Airways Club programme. For all British Airways Club Terms and Conditions, please visit ba.com/theclub.

Eligible members who spend a minimum of $30,000 CAD on qualifying purchases on their card in a calendar year (“calendar year” refers to the time period starting from January 1 and ending December 31) will receive a maximum of one Companion Voucher for that calendar year. See ba.com/rbc-visa for full terms and conditions. See ba.com/rbc-visa for full terms and conditions.

Annual Fee
  • Primary card $165
  • Additional card $75
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.50 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Avios
  • Dining and Food delivery2Avios
  • All Spending1Avios
Value
  • Year 1 $1,093
  • Year 2+ $243
Best For
Transfer Partners
  • British Airways Club

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
31 day(s)
Travel medical insurance up to 64 years old
31 day(s)
Travel medical insurance 65+
7 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
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
$2,500
  • Up to 5 points per dollar spent on groceries and restaurants
  • Get up to a $150 refund on travel expenses
  • Premium Insurance
Learn More

By clicking on the Subscribe button, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.

Take advantage of this exclusive Milesopedia welcome offer! Receive a waiver on the annual fee for the first year (a $150 value) and up to 45,000 bonus points, distributed as follows:

  • 5,000 points if you sign up for payment insurance when you apply for your card
  • 10,000 points after making purchases totalling at least $5,000 in the first 3 months
  • 10,000 additional points after reaching $10,000 in purchases in 6 months
  • 20,000 additional points after reaching $15,000 in purchases in 12 months

Receive benefits and rewards worth over $1,600 in your first year as a cardholder:

Benefit or Reward Points Monetary Value
Offer for the 3rd month following enrolment 10,000 $90
Offer for the 6th month following enrolment 10,000 $90
Offer for the 12th month following enrolment 20,000 $180
Offer to enrol in credit card payment insurance on the application form 5,000 $45
No annual fee for the first year - $150
Unlimited visits to the National Bank® Lounge at YUL airport - $400
Reimbursement of certain travel expenses (seat selection, baggage, airport parking and more) - $150
Average points earned excluding offer 46,980 $522
Total value of benefits and rewards in the first 12 months $1,627

Card features

  • Earn up to 5 points per dollar spent on eligible grocery and restaurant purchases.*
  • Earn 2 points per dollar spent on eligible gas and electric recharging expenses, recurring bills and purchases made À la carteTM travel purchases.*
  • Earn 1 point per dollar spent on other purchases.
  • Up to a $150 refund per year on travel expenses, including seat selection, airport parking, baggage fees, access to airport lounges worldwide, and ticket upgrades.
  • Your credit card gives you access to a multitude of rewards. Our clients can choose from several options to treat themselves with the points they've accumulated:
    • Get your hands on new electronics, kitchen accessories, gift cards and more
    • Use your points to make a payment on your credit card
    • Contribute to your RRSP and TFSA
    • Make a donation to a participating charity
    • Plan your next vacation
    • And more!
  • Enjoy unlimited free access for you and a guest at lounge from the National Bank at Montreal-Trudeau airport, including drinks, snacks, Wi-Fi, and much more*.
  • Enjoy up to 60 days of coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance.
  • Out-of-province hospital medical insurance, departure flight delay insurance, baggage insurance in case of delay, baggage insurance in case of theft or loss, vehicle rental insurance.
Legal

Length of the welcome promotion

From August 5th to December 1st, 2025

Eligibility Requirements

  • Sign up for a National Bank World Elite TM Mastercard TM credit card via the redirection link provided on the Milesopedia network websites during the promotion as a primary cardholder.
  • Not have held one of our Mastercard credit card for individuals from National Bank over the past 24 months as a primary cardholder.
  • Keep the credit card account open until rewards points are paid.
  • Keep the account in good standing by complying with the conditions set out in the credit card agreement until the rewards points are paid. For example, all minimum payments must be made on time.
  • Not be employed by National Bank or one of its subsidiaries.

Description of the promotion

Annual Fee

No annual fee for the first year for the primary cardholder. We will charge these annual fees to your new card account and then refund them to you. You will receive this refund within five months of opening your account, provided that your account is still open and in good standing. You will see it on your statement as a credit. Annual fees for cards of other authorized users are not eligible for this promotion.

Reward points

Points offered Terms and conditions When points are awarded
5,000 Sign up for payment insurance* for at least the first 3 months. By the end of the 5th month following enrolment**
10 000

$5,000 in net purchases in the first 3 months

By the end of the 5th month following enrolment**
10 000

$10,000 in net purchases in the first 6 months

By the end of the 8th month following enrolment**
20 000

$15,000 in net purchases during the first 12 months

By the end of the 14th month following enrolment**

*To apply for payment insurance, you must complete the Credit Card Payment Protection Plan (CCPP) section in the credit card application form.

**The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on November 15, you have until February 15 to make the required net purchases to receive the 10000 points which will be credited to your account by the end of April 2026.

How total purchases are calculated
The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan TM.

Other conditions

  • You can only take advantage of the promotion once.
  • Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
  • This promotion may not be combined with any other promotion applicable to National Bank credit cards, nor is it retroactive.
  • This promotion may be modified or withdrawn without notice.

*Grocery and restaurant: Points earned on grocery and restaurant purchases depend on the total gross monthly amount charged to the credit card account, regardless of category. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. Earn 5 points per dollar on the first $2,500 in gross monthly purchases charged to the account. Beyond that amount, eligible grocery and restaurant expenses earn 2 points per dollar spent. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Subscriptions to ready-to-cook services and meal delivery services are eligible. Excluded from this definition are retail stores and big-box stores whose main activity is the sale of non-food products. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants only qualify for basic rewards points. An in-restaurant purchase refers to a purchase made in a restaurant, including fast-food restaurants, bars, discotheques, nightclubs and taverns.

Gas and Electric Vehicle Charging: To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants are eligible for basic rewards points only.

Recurring bill: Recurring bill payments are defined as payments made monthly or regularly that are automatically deducted by the merchant from your National Bank World Elite Mastercard. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. As a result, some payments may not qualify for Accelerated Rewards points.

À la Carte Travel: To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.

Other purchases: For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 you spend will generate 2,750 points, broken down as follows: 2,000 points on groceries (since the total gross monthly amount is $850, or less than $2,500), 400 points on gas, 200 points on recurring bills and 150 points on other purchases.

Reimbursement of travel expenses

Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses.

Account in good standing” means a credit card account that does not contravene the Credit Card Agreement in any way and on which no restrictions apply.

For example, the annual fees related to the credit card must have been paid in full. The maximum reimbursement of $150 can be claimed from January 1 to December 31 of each year.

Eligible expenses include:

      • airport parking
      • baggage fees
      • seat selection fees
      • access to airport lounges worldwide
      • airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information.

National Bank reserves the right to request additional supporting documents for validation purposes (e.g. invoices). You must keep all receipts and supporting documents for a period of 12 months from the date of your claim. An amount not claimed in a year cannot be carried over to the following year. You can apply online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) and an agent will assist you with your travel claim.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Statement of account: a statement of account is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22.49% (regular card) $9.24 $55.45
20.99% (regular card) $8.63 $51.76
12.90% (Syncro card) $5.30 $31.81
8.90% (Syncro card) $3.66 $21.95

*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each amount transferred cannot be less than $250.

Annual Fee
  • Primary card $150
  • 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 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Groceries5Points
  • Dining and Food delivery5Points
  • Gas2Points
Value
  • Year 1 $1,328
  • Year 2+ $923
Best For
Transfer Partners
  • NBC 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
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • 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.*
  • Memorable journeys begin with our premium flexible travel credit card!
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
  • 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)*
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 $150
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • Travel5Points
  • Air Canada5Points
  • Dining and Food delivery3Points
Value
  • Year 1 $1,256
  • Year 2+ $289
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
$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
  • 5X points on groceries, gas, dining and transit
  • $50 Anniversary Lifestyle Credit
  • Visa Infinite Benefits
Learn More
Best credit card for gas and transit in 2023
  • Welcome offer: You deserve to be rewarded! Get up to 80,000 points and the $120 annual fee waived in the first year*
  • That’s 32,000 points when you spend $3,000 in the first 3 months, and 4,000 points for each subsequent month in which you make at least $2,000 in purchases on your card, for 12 months.
  • 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 Anniversary 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 and redeem your Points for as little as $1*
Legal

*Conditions apply.

BMO is not responsible for maintaining the content on this site. For the latest information, please click on Apply Now.

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 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
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

Up to $3,000 in value including up to 85,000 Aeroplan points and additional travel benefits could be yours. Conditions Apply.

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card
  • Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening
  • Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening

Additional Travel Benefits :

  • Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD).
  • Share first free checked bags with up to 8 travel companions and get unlimited access to Maple Leaf Lounges including complimentary access for one guest.
  • Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program.
  • Earn 2 points for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
  • Earn 1.5 points for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
  • Earn 1.25 points for every $1 spent on all other purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Earn Aeroplan Points on everyday purchases.
  • Redeem your points for travel and more.
  • Travel with confidence with travel medical insurance.
  • Access priority airport services such as Priority Check-in, Priority Boarding, Priority Baggage Handling, Priority Airport Hold and Priority Airport Upgrades.
  • Get an annual round-trip companion pass starting at $99 (plus taxes, fees and surcharges).
  • Complimentary Visa Infinite Concierge: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Global Airport Lounge Access: Receive a complimentary membership to the Visa Airport Companion Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
  • Visa Infinite Luxury Hotel Collection: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
  • Enjoy your eUpgrades longer : Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use newly issued eUpgrade credits, for a total of 24 months from issuance.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $599
  • Additional card $199
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Air Canada2Aeroplan Points
  • Groceries1.5Aeroplan Points
  • Gas1.5Aeroplan Points
Value
  • Year 1 $2,161
  • Year 2+ $461
Best For
Transfer Partners
  • Aeroplan

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
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
4 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
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
  • 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 7,000 AIR MILES Bonus Miles! Plus, earn an additional 2,000 Bonus Miles when you spend $1,000 at eligible wholesale clubs, grocery stores or alcohol retailers!*

That's enough for $940 towards purchases with AIR MILES Cash!

  • Earn over 10x faster than other AIR MILES collectors:
    • 3x the Miles for every $12 spent at participating AIR MILES Reward Partners
    • 2x the Miles for every $12 spent at any eligible grocery store;
    • 2x the Miles for every $12 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers*
    • Plus, 1 Mile for every $12 that you spend with your credit card everywhere else*
  • Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
  • Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
  • Use fewer miles with our exclusive 25% discount on an AIR MILES flight to any destination during the calendar year*.
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Shop, eat and relax with our partners to receive offers when you travel and make purchases with your BMO World Elite Mastercard outside Canada.
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*Conditions apply.

BMO is not responsible for maintaining the content on this site. For the latest information, please click on the Apply Now link.

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 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • AIR MILES partners0.25mile
  • All Spending0.08mile
  • Groceries0.08mile
Value
  • Year 1 $1,376
  • 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

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