Network: Mastercard

• Welcome Offer: Get 2,000 bonus AIR MILES*
• Earn 1 AIR MILES Reward Mile on every $20 you spend*
• Plus - get 1.25X the Miles for every $20 you spend at participating Shell stations*
• Get up to 7 cents off per litre on all your Shell^®± fuel*

The Cathay World Elite Mastercard – powered by Neo is not available in Quebec.

Welcome Offer

• Earn up to 60,000 Asia Miles as a welcome bonus: 35,000 Asia Miles on approval and 25,000 Asia Miles after $5,000 in purchases in 3 months
• 15% discount on Cathay Pacific flights with promotional code

Features of the Cathay World Elite Mastercard – powered by Neo:

• 2 Asia Miles for every $1 spent on purchases made in foreign currencies
• 4 Asia Miles per dollar on Cathay Pacific purchases
• 5 Asia Miles per dollar on average at thousands of Neo partners across the country
• 1 Asia Mile per dollar on purchases made in Canada
• Enjoy exclusive member benefits: priority check-in, free extra baggage and access to Cathay Pacific lounges
• Benefit from comprehensive insurance covering medical emergencies, cancellations and lost baggage
• Access over 1,300 airport lounges worldwide with DragonPass
• Avoid queues with Mastercard's Fast Track service at security checkpoints

• Guaranteed Approval*
• May help you strengthen your credit history
• 24/7 customer service
• No annual fee
• Enjoy Valuable Mastercard benefits, plus Everyday and Travel benefits like Purchase Assurance and Extended Warranty
• Add an authorized user for $0
• Annual interest rate of 29.9% (21.9% in Quebec) on purchases, balance transfers, and cash advances
• Security Funds are required

Welcome offer: Get up to $1,800 in value, including 40,000 VIPorter points and a 35% off flight voucher†. Plus, the annual fee is waived in the first year†.

• Earn 2 points for every $1 spent on Porter purchases
• Earn 1 point for every $1 spent on gas and transportation
• Earn 1 point for every $1 spent on groceries and dining
• Earn 1 point for every $1 spent on hotel accommodations
• Earn 0.5 points for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Passport)
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No expiration of VIPorter points.
• Earn $1 of Qualifying Spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 8-day out-of-province or country emergency medical insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary insurance

Purchasing insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• 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
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Get even more benefits: You may qualify for the BMO VIPorter World Mastercard tier of this card – which has the same fees and rates, but also includes experiences available only to World Mastercard cardholders.*

Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend, and pay no annual fee in your first year.*

• Earn 3 points for every $1 spent on Porter purchases*
• Earn 2 points for every $1 spent on gas and transportation
• Earn 2 points for every $1 spent on groceries and dining
• Earn 2 points for every $1 spent on hotel accommodations
• Earn 1 point for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Venture)
• One round-trip companion pass per year†
• 1 complimentary checked bag*
• 1 complimentary carry-on bag on all Porter fare types*
• Free PorterClassic seat selection*
• Priority security*
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No expiration of VIPorter points.
• Earn $1 of qualifying spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 21-day out-of-province or country emergency medical insurance
• Trip Cancellation/Interruption/Delay insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary insurance

Purchasing insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
• 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
• Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.

• No annual fee
• Get a $20 Tim Hortons digital gift card after your first purchase*
• Earn 15 points for every dollar you spend at Tim Hortons by presenting your Tims Rewards card
• Earn 5 points for every dollar spent on groceries, gas, electric vehicle charging, public transit, cabs and carpooling services
• Earn 0.5 points for every dollar spent on all other purchases
• Up to one year extended warranty
• Full integration into the Tim Hortons app
• Annual interest rate for purchases: 20.99% to 26.99% (20.99% to 24.99% for residents of Quebec)
• Annual interest rate for cash advances: 22.99% to 27.99% (22.99% to 24.99% for residents of Quebec)

• No annual fee
• Get a $20 Tim Hortons digital gift card after your first purchase*
• No credit history is required
• Earn 12 points for every dollar spent at Tim Hortons
• Earn 2 points for every dollar spent on groceries, gas, electric vehicle charging and public transit
• Earn 0.25 points for every dollar spent on all other purchases
• Up to one year extended warranty
• Full integration into the Tim Hortons app
• Earn Tims Rewards^™ points wherever you shop*
• Annual interest rate for purchases: 20.99% to 26.99% (20.99% to 24.99% for residents of Quebec)
• Annual interest rate for cash advances: 22.99% to 27.99% (22.99% to 24.99% for residents of Quebec)

• Up to 2% cash back on groceries, gas, electric vehicle charging and recurring payments. And 0.5% everywhere else
• Earn additional cash back at over 10,000 Neo network partners
• No annual fee
• Secured option to build credit history

• Up to 5% cashback on groceries, 4% on recurring payments, 3% on gas, electric vehicle charging, and 1% everywhere else
• Mastercard World Elite travel benefits including collision coverage for car rentals, comprehensive travel insurance and a subscription to DragonPass
• Instant credit limit up to $30,000
• Earn additional cash back at over 10,000 Neo network partners
• Annual fee of $125
• Secured option to build credit history

• Get $25 cash back when you sign up for the Neo Mastercard.

• Get 1% cash back on all your purchases
• Earn cash back or invest your money in an investment account or cryptocurrency of your choice
• No foreign transaction fees for purchases made in currencies other than the Canadian dollar
• No annual fee