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

Welcome Bonus
Up to 100,000 Points
Ends Nov 30, 2024
  • 5X points on travel purchases
  • Access to VIP Lounges
  • Accepted at Costco
Annual Fee
$150
First Year Annual Fee Rebate (terms apply)
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
23.99 %
21.99 % (QC)
Balance Transfer Rates
23.99 %
21.99 % (QC)

BMO Ascend™ World Elite®* Mastercard®*
BMO Ascend™ World Elite®* Mastercard®*
Up to 100,000 Points
Ends Nov 30, 2024
Apply Now
Updated Oct 1, 2024

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.*
  • 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)*

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%
Cash Advance Rate (QC) 21.99%
Balance Transfer Rates (QC) 21.99%

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 Nov 30, 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
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.

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