BMO Rewards Credit Cards: Up to 200,000 Welcome Points
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BMO Rewards credit cards offer welcome bonuses of up to 200,000 points with the BMO eclipse Visa Infinite Privilege* Card, 115,000 points with the BMO Ascend World Elite Mastercard* and 70,000 points with the BMO eclipse Visa Infinite* Card. Each bonus unlocks in three spending tiers, which we break down below with their real value.
A BMO Rewards point is worth 0.67¢ when you apply it to a travel purchase (150 points = $1). For redemption, caps and point expiry, see our BMO Rewards program page.
How to choose the best BMO card for your profile
The table below compares the welcome offers of BMO Rewards credit cards. Click a card name for details, or keep reading for our card-by-card calculations.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 | |||
| $599 | |||
| $0 |
BMO Rewards Offer Details
The BMO Rewards program has four personal credit cards, covered below, and three business cards. Here are the welcome offers of the personal BMO Rewards credit cards:
- Up to 200,000 points with the BMO eclipse Visa Infinite Privilege* Card (apply by October 31, 2026)
- Up to 115,000 points with the BMO Ascend World Elite Mastercard* (apply by December 7, 2026)
- Up to 70,000 points with the BMO eclipse Visa Infinite* Card
- Up to 25,000 points in the first year with the BMO eclipse rise Visa* Card, no annual fee
BMO Ascend World Elite Mastercard*
The BMO Ascend World Elite Mastercard is one of the best World Elite Mastercard travel rewards credit cards in Canada. For applications received by December 7, 2026, the welcome offer lets you get up to 115,000 BMO Rewards points, for a total value of up to $1,900, including up to $200 in Instacart benefits.
Plus, there is no annual fee in the first year for the primary cardholder and additional cardholders, and you get a 0% introductory interest rate on balance transfers for 12 months (with a 2% balance transfer fee).
With the BMO Ascend World Elite Mastercard, you get:
- 5 points per dollar on eligible travel*
- 3 points per dollar on eligible dining, entertainment and recurring bill payments*
- 1 point per dollar on all other purchases*
The card also offers:
- 4 free airport lounge passes per year through Mastercard Travel Pass provided by DragonPass*
- comprehensive travel insurance, including emergency medical coverage of up to $5 million for 21 days if you are 64 or younger on departure*
- a NEXUS statement credit of up to $200 in the first year*
- a six-month Instacart+ membership and a $10 monthly Instacart credit with an eligible card*
Exclusive
- Annual feeNo annual fee the first year
- $0 $150
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$771Annual fee rebated$150Total$921Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $921
- Welcome offerAfter $20,000 in 12 months
- Up to 115,000 points
Apply Now
on BMO's website
BMO Ascend World Elite Mastercard – How to Maximize the Welcome Offer
As you can see, to get the full 115,000-point welcome bonus, there are several spending tiers to reach.
You could simply choose to reach the first tier, which already offers you 60,000 points after $5,000 in purchases within the first 110 days of account opening. This already represents a value of approximately $400 for any travel purchase charged to the card!
But if you wish to unlock the full welcome bonus, here is a simulation of the points you could earn by making your purchases in the accelerated categories offering 3 points per dollar:
- Dining
- Entertainment
- Recurring Bill Payments
Also, remember that you earn 5 points per dollar on travel purchases.
| Month | Purchases | 3x Category | Bonus | Cumulative total |
| 1 | $1,667 | 5,001 points | – | 5,001 points |
| 2 | $1,667 | 5,001 points | – | 10,002 points |
| 3 | $1,667 | 5,001 points | 60,000 points | 75,003 points |
| 4 | $1,667 | 5,001 points | – | 80,004 points |
| 5 | $1,667 | 5,001 points | – | 85,005 points |
| 6 | $1,667 | 5,001 points | 20,000 points | 110,006 points |
| 7 | $1,667 | 5,001 points | – | 115,007 points |
| 8 | $1,667 | 5,001 points | – | 120,008 points |
| 9 | $1,667 | 5,001 points | – | 125,009 points |
| 10 | $1,667 | 5,001 points | – | 130,010 points |
| 11 | $1,667 | 5,001 points | – | 135,011 points |
| 12 | $1,667 | 5,001 points | 35,000 points | 175,012 points |
| Total | $20,004 | 60,012 points | 100,000 points | 175,012 points |
175,012 BMO Rewards points are worth $1,167 for any travel purchase.
This also means that for $20,004 in purchases over 12 months, this represents a return of approximately 5.8% if you use your points for a statement credit for any travel purchase.
Given that the first year is free, you have a net value of $1,167 by unlocking the full welcome offer and making your purchases in the 3x points categories.
And remember, this card includes annual benefits, such as four complimentary airport lounge visits and excellent insurance coverage for your purchases and travel!
Exclusive
- Annual feeNo annual fee the first year
- $0 $150
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$771Annual fee rebated$150Total$921Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $921
- Welcome offerAfter $20,000 in 12 months
- Up to 115,000 points
Apply Now
on BMO's website
BMO eclipse Visa Infinite* Card
The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. With its welcome offer, you can get up to 70,000 BMO Rewards points, for a total value of up to $1,150.
The welcome offer also includes a statement credit of up to $20 a month for your streaming subscriptions (Netflix, Disney+, Crave, Spotify and others) in the first year, when you charge at least $500 in purchases a month to the card, a $50 lifestyle credit on each anniversary and no annual fee in the first year (a $120 value)*.
With the BMO eclipse Visa Infinite* Card, you also get:
- 5x BMO Rewards points for every dollar spent on groceries, dining (including delivery and takeout), gas and public transit, rideshare included*
- 1 BMO Rewards point for every dollar spent on all other purchases*
- 10% more points when you add an authorized user to your account*
- Mobile device insurance with coverage of up to $1,000*
- Pay with Points, which lets you apply your points to recent purchases*
- A six-month Instacart+ membership and a $10 monthly Instacart credit with an eligible card*
- Annual feeNo annual fee the first year
- $0 $120
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $589
- Welcome offerAfter $12,000 in 12 months
- Up to 70,000 points
Apply Now
on BMO's website
Our review of this offer
The BMO eclipse Visa Infinite* Card welcome offer earns you up to 70,000 points, worth $467 in travel, in three tiers. According to BMO's terms, it applies to applications received by October 31, 2027:
- 30,000 points after $4,000 in net purchases within the first 110 days
- 20,000 points after $7,000 in net purchases within the first 180 days
- 20,000 points after $12,000 in net purchases within the first 12 months
The amounts are cumulative: purchases for the first tier also count toward the second, then the third. A pace of about $1,200 a month for six months covers the first two tiers; you then have $4,800 left to charge in six months, or $800 a month. In our view, it is the easiest BMO offer to unlock with a typical family budget.
| Tier | Cumulative net purchases | Deadline | Average monthly pace | Bonus points |
|---|---|---|---|---|
| 1 | $4,000 | 110 days | about $1,100 | 30,000 points |
| 2 | $7,000 | 180 days | about $1,200 | 20,000 points |
| 3 | $12,000 | 12 months | $1,000 | 20,000 points |
| Total | $12,000 | 12 months | – | 70,000 points |
If you put these $12,000 in the 5-points-per-dollar categories (groceries, dining, gas, public transit), you also earn 60,000 points. With the bonus, you end the first year with 130,000 BMO Rewards points, worth about $867 toward travel, with no annual fee.
Don't forget the $50 lifestyle credit BMO gives you on each account anniversary, to use as you wish: it brings the card's net cost down to $70 a year from the second year.
- Annual feeNo annual fee the first year
- $0 $120
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $589
- Welcome offerAfter $12,000 in 12 months
- Up to 70,000 points
Apply Now
on BMO's website
BMO eclipse Visa Infinite Privilege* Card
The BMO eclipse Visa Infinite Privilege Card* is a premium metal card! When you sign up for this card, you can get up to 200,000 BMO Rewards points:
- 80,000 points after $6,000 in purchases within the first 110 days of account opening
- 40,000 points after $30,000 in purchases within the first 180 days of account opening
- 80,000 points after $75,000 in purchases within the first 365 days of account opening
Applications must be received by October 31, 2026. The offer also includes a NEXUS statement credit of up to $200 in the first year, for a total value of up to $2,300 according to BMO's terms.
You also get a 0% introductory interest rate on balance transfers for 12 months, with a 2% balance transfer fee.
Plus, you’ll get a $200 anniversary credit that you can use however you like!
You also get a Visa Airport Companion Program membership with six free visits per year to airport lounges.
With this Card, you can earn 5 BMO Rewards points per dollar spent on:
- groceries
- gas
- drugstores
- travel
- restaurants and bars
- food delivery
And 1 BMO Rewards point per dollar spent on everything else.
You can use BMO Rewards points for any travel purchase made through the travel agency or website of your choice (flights, hotels, car rentals, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.
Finally, enjoy a six-month Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.
- Annual fee
- $599
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,340Total$1,340Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,340
- Welcome offerAfter $75,000 in 12 months
- Up to 200,000 points
- Ends Oct 31, 2026
Apply Now
on BMO's website
BMO eclipse rise Visa* Card
The BMO eclipse rise Visa Card* is a no annual fee travel rewards credit card that requires no minimum income.
With this offer, you can earn up to 25,000 points in the first year, for applications received by October 31, 2027:
- 20,000 points after $1,500 in purchases in the first 3 months
- 2,500 points on your anniversary when you redeem 12,000 points with the Pay with Points option over a 12-month period
- 2,500 points on your anniversary when you pay your balance on time for 12 months
Plus, you can get a 0.99% interest rate on balance transfers for nine months (a 2% balance transfer fee applies).
With the BMO eclipse rise Visa Card*, you get:
- 5 points per two dollars spent on recurring bill payments
- 5 points per two dollars spent on groceries
- 5 points per two dollars spent on dining and takeout
- 1 point per two dollars spent on all other purchases
You can use BMO Rewards points for any travel purchase made through the travel agency or website of your choice (flights, hotels, car rentals, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.
The BMO eclipse rise Visa Card* also offers:
- Mobile device insurance
- Purchase protection
- Extended warranty insurance
Finally, you get a three-month free Instacart+ membership when you activate the offer with your eligible BMO card.
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$168Total$168Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $168
- Welcome offerAfter $1,500 in 3 months
- Up to 25,000 points
Apply Now
on BMO's website
Which BMO card to choose?
Based on your profile, here is the BMO card to choose:
- BMO Ascend World Elite Mastercard*: you want a versatile travel card. Its $150 annual fee is refunded in the first year, which gives you twelve months to try it. You get its travel insurance, 4 airport lounge passes per year and 5 points per dollar on travel.
- BMO eclipse Visa Infinite* Card: groceries, gas and restaurants take up a big part of your budget. You receive a $50 credit on each account anniversary and use your points to pay for a trip from time to time.
- BMO eclipse Visa Infinite Privilege* Card: it combines the categories of the two cards above, with airport lounge visits and a $200 annual credit. Its $599 annual fee makes sense if you travel often and spend a lot.
- BMO eclipse rise Visa* Card: no annual fee and no minimum income, a good card to start earning points.
BMO Rewards Credit Cards - Frequently Asked Questions
Here are frequently asked questions in the milesopedia community about these cards.
Which BMO Rewards card offers the biggest welcome bonus?
The BMO eclipse Visa Infinite Privilege* Card offers the largest bonus: up to 200,000 BMO Rewards points, worth $1,333 in travel, for a $599 annual fee and a minimum income of $150,000 ($200,000 per household). The BMO Ascend World Elite Mastercard* follows with up to 115,000 points and no fee in the first year ($150 after that). The BMO eclipse Visa Infinite* Card offers up to 70,000 points, also with no fee in the first year ($120 after that).
How do BMO Rewards points work?
You redeem BMO Rewards points with Pay with Points: 150 points are worth $1 on a travel purchase (about 0.67¢ per point) and 200 points are worth $1 on other purchases. You can apply points to a purchase charged to the card up to 90 days after the purchase date. Travel includes flights, hotels, car rentals, cruises and travel agencies, with no date or airline restrictions, unlike fixed-chart programs such as Aeroplan.
Which BMO card is best for groceries?
The BMO eclipse Visa Infinite* Card gives you 5 BMO Rewards points per dollar on groceries, dining (including delivery and takeout), gas and public transit, up to annual caps of $6,000 on dining, $6,000 on groceries, $20,000 on gas and $20,000 on transit. It is the most rewarding BMO card for a household with a big grocery budget, for $120 a year. The BMO eclipse Visa Infinite Privilege* Card also earns 5 points per dollar in these categories, plus drugstores and travel, but its $599 fee makes it a card for big spenders. The Ascend World Elite earns mostly on travel.
Is the first year of BMO cards free?
Yes for two cards: BMO refunds the first-year annual fee on the BMO eclipse Visa Infinite* Card ($120) and the BMO Ascend World Elite Mastercard* ($150 for the primary card, plus $50 per additional card added at the time of application). The BMO eclipse rise Visa* Card has no annual fee at all. The BMO eclipse Visa Infinite Privilege* Card charges its $599 annual fee from the first year: its offer focuses on points, the NEXUS credit and the $200 annual credit.
How long are BMO's welcome offers available?
You must apply by October 31, 2026 for the BMO eclipse Visa Infinite Privilege* Card, by December 7, 2026 for the BMO Ascend World Elite Mastercard*, and by October 31, 2027 for the BMO eclipse Visa Infinite* Card and the BMO eclipse rise Visa* Card. BMO can withdraw or change an offer without notice, so if a card interests you, don't leave your application to the last week.
When do you receive BMO bonus points?
BMO credits each bonus tranche up to eight weeks after you reach the spending tier. Only net purchases count, meaning purchases less refunds, cash advances and fees. If you close the card within 365 days of opening the account, BMO may reverse the bonus points already credited.
Which BMO Rewards card has no annual fee?
Of the four cards in this article, the BMO eclipse rise Visa* Card is the only one with no annual fee, and it has no minimum income requirement. You earn 20,000 points after $1,500 in purchases in the first 3 months, worth about $133 in travel, then 5 points per $2 on groceries, dining and recurring bill payments.
Can you transfer BMO Rewards points to Aeroplan?
BMO Rewards does not transfer points to airline or hotel programs. Instead, you use them with Pay with Points, at 150 points per $1 on a travel purchase, or give them to another BMO Rewards member (1,000 points minimum, final). Our BMO Rewards program page covers every redemption option.