Loyalty Program: BMO Rewards

Get up to $1,600 in value, including up to 100,000 points, the Mastercard Travel Pass program and 4 complimentary airport lounge passes, the statement credit for NEXUS and the annual fee waived in the first year for the primary cardholder and authorized users.

Plus, get 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*

  • 5x the points for every dollar spent on eligible travel*, 3x the points for every dollar spent on restaurant dining*, entertainment and eligible recurring bill payments*, 1 point for every dollar spent in other purchase categories*
  • Free membership to the Mastercard Travel Pass app provided by DragonPass*, and four complimentary passes per year
  • Extended Warranty*
  • Purchase Protection*
  • BMO Ascend World Elite Total Travel and Medical Protection:
    Get Collision Damage Waiver benefits on rental cars, 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Legal

*Terms and conditions apply

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

Annual Fee
  • Primary card $150
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
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
  • First Year Annual Fee Rebate
  • 5X points on groceries, gas, dining and transit
  • $50 Anniversary Lifestyle Credit
Learn More

Get up to $1,200 in value, including up to 80,000 bonus points, a monthly statement credit for streaming services, a $50 statement credit, and no annual fee for the first year*.

  • Earn 5x the BMO Rewards points on groceries, delivered or takeout meals, rideshares, public transit, and gas*
  • Plus, earn 1 point for every dollar spent on everything else
  • Get a $50 lifestyle anniversary credit to use as you wish*
  • Mobile Device Insurance that covers you for up to $1,000*
  • Earn 10% more points when you add an authorized user to your account*
  • Pay with Points by browsing your recent transactions and you can redeem your points for as little as $1*
  • Extended Warranty*
  • Purchase Protection*
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Legal

*Terms and conditions apply

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries5Points
  • Gas5Points
  • Dining and Food delivery5Points
Value
  • Year 1 $1,139
  • 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

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