BMO Blue Rewards World Elite®* Mastercard®*

Welcome Bonus
Up to 100,000 Points
Ends Oct 31, 2026
  • Blue Rewards benefits
  • Premium Insurance
  • Accepted at Costco
Annual Fee
$150
First Year Annual Fee Rebate (terms apply)
Interest rates
Purchase Rates
21.99%
Cash Advance Rates
23.99%
21.99% (QC)
Balance Transfer Rates
23.99%
21.99% (QC)
BMO Blue Rewards World Elite Mastercard
BMO Blue Rewards World Elite®* Mastercard®*
Up to 100,000 Points
Ends Oct 31, 2026
Apply Now

Offer

Welcome Offer: Get up to $1,600 in value and the annual fees waived in the first year*. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee*.

  • Welcome bonus of up to 100,000 Blue Rewards points
  • Earn 10 Points for every $1 spent at participating Blue Rewards Partners*
  • Earn 2 Points for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchases*
  • Earn 1 Point for every $1 spent on everything else*

Benefits

  • $200 NEXUS Statement Credit in your first year*
  • Airport lounge access with complimentary membership in Mastercard Travel Pass provided by DragonPass, plus 4 free passes per calendar year.*
  • Earn additional Points on top of your credit card Points when you use your physical or digital Blue Rewards Member Card at checkout*
  • Get the $150 annual fee rebated annually with our BMO Premium Chequing Account*
  • Unlock exclusive offers at top brands through Blue Rewards offers
  • Out-of-province/out-of-country emergency medical insurance up to $5 million per insured person, per trip - up to 15 consecutive days.*
  • Get up to 15% off a Global Data Roaming plan and up to 3GB of data without any additional charges with FlexiRoam.*
  • Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
  • Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
  • Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*
  • Extended warranty and purchase protection*
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

 

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%
Balance Transfer
Balance Transfer - Promotional Rate 0.00%

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 Oct 31, 2026
Welcome Bonus amount Up to 100,000 Points
Minimum Spending Required $20,000
Minimum Spending Timeframe (Months) 12 month(s)
VIP Lounges
Lounge Annual Visits included 4
Costco

Earnings

Per dollar of purchases

All Spending 1 Point
Groceries 2 Points
Gas 2 Points
Dining and Food delivery 2 Points
Convenience Stores 2 Points
Drugstores 1 Point
Local Transport 2 Points
Travel 1 Point
Entertainment 1 Point
Recurring Payments 1 Point
Telecom/Internet 1 Point
Streaming services 1 Point
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
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
48 day(s)
Hotel/Motel Burglary Insurance

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

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

Our review

With this offer for the BMO Blue Rewards World Elite Mastercard, you can earn up to 100,000 Blue Rewards points. In addition, you pay no annual fee in the first year.

Here’s how to get your full welcome bonus:

  • 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

Therefore, to receive the full 100,000 Blue Rewards points welcome bonus, you will 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.

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.

Alternative Cards

4.25

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