BMO Rewards Credit Cards: Exclusive Offers Up to 200,000 points – Summer 2026
- Beginner
How to choose the best BMO card for your profile
Here is a summary table of the new welcome offers for BMO Rewards credit cards. For offer details, continue reading and check out our analyses.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 | |||
| $599 | |||
| $0 |
BMO Rewards Offer Details
Here are the details of the offers for the five BMO Rewards credit cards:
- Up to 200,000 points with the BMO eclipse Visa Infinite Privilege Card
- Up to 115,000 points with the BMO Ascend World Elite Mastercard
- Up to 70,000 points with the BMO eclipse Visa Infinite Card
- Up to 25,000 points with the BMO eclipse rise Visa Card
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. With our welcome offer, you can 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 complimentary 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*
- A NEXUS statement credit in the first year*
- Up to $200 in Instacart benefits*
- Six months of Instacart+ membership and a $10 monthly Instacart credit with an eligible card*
- Annual fee
- $0 $150No annual fee the first year
- No annual fee the first year
- Our valuation
- $921Milesopedia 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.
- Milesopedia first-year estimateFirst-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.
- Welcome offer
- Up to 115,000 points
- + First Year Annual Fee Rebate
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 $1,172 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 $1,172 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!
- Annual fee
- $0 $150No annual fee the first year
- No annual fee the first year
- Our valuation
- $921Milesopedia 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.
- Milesopedia first-year estimateFirst-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.
- Welcome offer
- Up to 115,000 points
- + First Year Annual Fee Rebate
on BMO's website
BMO eclipse Visa Infinite* Card
Exclusive offer: the BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. With our exclusive 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 monthly statement credit for streaming services, an annual $50 lifestyle credit 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, food delivery and takeout, rideshare, public transit and gas*
- 1 BMO Rewards point for every dollar spent on all other purchases*
- 10% more points when you add an authorized user to your account*
- A mobile device insurance plan with coverage of up to $1,000*
- The Pay with Points feature, which lets you redeem your points for recent purchases starting at $1*
- A six-month Instacart+ membership and a monthly $10 Instacart credit with an eligible card*
- Annual fee
- $0 $120No annual fee the first year
- No annual fee the first year
- Our valuation
- $589Milesopedia 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.
- Milesopedia first-year estimateFirst-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.
- Welcome offer
- Up to 70,000 points
- + First Year Annual Fee Rebate
on BMO's website
Our review of this offer
BMO has decided to increase its official welcome offer for the BMO eclipse Visa Infinite* Card, from 40,000 to 70,000 points.
The offer we are presenting above is EXCLUSIVE to Milesopedia: 70,000 points, which is 10,000 points more than the one displayed on the BMO website.
The first part of the offer is relatively simple to obtain:
- 40,000 points after $3,000 in purchases in 3 months.
- The second part is for those who will regularly use the card: you will earn 2,500 points after $2,000 in purchases from the 4th month up to the 15th month (for a total of 30,000 points).
To better explain the breakdown of the welcome bonus and provide a visual aid, here is a summary table, also including the required spending and points earned through these expenses (based on purchase categories of 1 to 5 points per dollar):
| Month | Purchases | Category (1X or 5X) | Bonus | Total |
| 1 | $1,000 | 1,000 – 5,000 points | – | 1,000 – 5,000 points |
| 2 | $1,000 | 1,000 – 5,000 points | – | 1,000 – 5,000 points |
| 3 | $1,000 | 1,000 – 5,000 points | 40,000 points | 41,000 – 45,000 points |
| Total | $3,000 | 3,000 – 15,000 points | 40,000 points | 43,000 – 55,000 points |
| 4 | $2,000 | 2,000 – 10,000 points | 2,500 points | 4,500 – 12,500 points |
| 5 | $2,000 | 2,000 – 10,000 points | 2,500 points | 4,500 – 12,500 points |
| 6 | $2,000 | 2,000 – 10,000 points | 2,500 points | 4,500 – 12,500 points |
| 7 | $2,000 | 2,000 – 10,000 points | 2,500 points | 4,500 – 12,500 points |
| 8 | $2,000 | 2,000 – 10,000 points | 2,500 points | 4,500 – 12,500 points |
| 9 | $2,000 | 2,000 – 10,000 points | 2,500 points | 4,500 – 12,500 points |
| 10 | $2,000 | 2,000 – 10,000 points | 2,500 points | 4,500 – 12,500 points |
| 11 | $2,000 | 2,000 – 10,000 points | 2,500 points | 4,500 – 12,500 points |
| 12 | $2,000 | 2,000 – 10,000 points | 2,500 points | 4,500 – 12,500 points |
| 13 | $2,000 | 2,000 – 10,000 points | 2,500 points | 4,500 – 12,500 points |
| 14 | $2,000 | 2,000 – 10,000 points | 2,500 points | 4,500 – 12,500 points |
| 15 | $2,000 | 2,000 – 10,000 points | 2,500 points | 4,500 – 12,500 points |
| Total | $27,000 | 27,000 – 120,000 points | 70,000 points | 97,000 – 205,000 points |
As you can see, during the first year, you can earn a bonus of 70,000 points, in addition to the points accumulated with your purchases. The condition is to strictly meet the minimum spending amount during the allotted period.
And don’t forget that this Card offers an annual $50 credit which is automatically applied to the first purchase of $50 or more made on the card. This brings the annual fee down to $70 instead of $120… every year!
- Annual fee
- $0 $120No annual fee the first year
- No annual fee the first year
- Our valuation
- $589Milesopedia 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.
- Milesopedia first-year estimateFirst-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.
- Welcome offer
- Up to 70,000 points
- + First Year Annual Fee Rebate
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 $40,000 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
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 valuation
- $1,340Milesopedia 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.
- Milesopedia first-year estimateFirst-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.
- Welcome offer
- Up to 200,000 points
- Ends Oct 31, 2026
on BMO's website
BMO eclipse rise Visa* Card
The new BMO eclipse rise Visa Card* is a no annual fee travel rewards credit card that requires no minimum income.
With this offer, you can get up to 25,000 points as a welcome bonus:
- 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 new 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 new BMO eclipse rise Visa Card* also offers:
- Mobile device insurance
- Purchase protection
- Extended warranty insurance
Finally, enjoy a three-month Instacart+ membership and a monthly $5 Instacart credit when you sign up with your eligible BMO credit card.
- Annual fee
- $0
- Our valuation
- $168Milesopedia 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.
- Milesopedia first-year estimateFirst-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.
- Welcome offer
- Up to 25,000 points
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: Are you looking for a versatile card for your travels? Try it for the first year, especially since its annual fees are reimbursed anyway. It is perfect for its excellent travel insurance, its 4 free airport lounge accesses worldwide, and its points to use to redeem for travel.
- BMO eclipse Visa Infinite* Card: Are you looking for a card because groceries, gas, and restaurants make up a large part of your budget? You get a $50 credit every year and you can use BMO points to pay for a trip from time to time, pay off your credit card balance, or invest them in your BMO investments.
- BMO eclipse Visa Infinite Privilege* Card: This is a blend of the first 2 cards above. Its annual fees are higher, but you get so many more benefits if you travel a lot!
- BMO eclipse rise Visa* Card: A card with no annual fees and no minimum income requirement. Perfect for beginners.
Frequently Asked Questions about BMO Rewards Credit Cards
Here are frequently asked questions in the milesopedia community about this card.
Which BMO Rewards card offers the biggest welcome bonus?
The BMO eclipse Visa Infinite Privilege Card offers the most generous bonus, up to 200,000 BMO Rewards points, but with higher annual fees and a minimum income of $150,000. The BMO AscendMM World EliteMM MastercardMM* offers up to 115,000 points with the first year free ($150 thereafter). The BMO eclipse Visa Infinite* Card reaches up to 70,000 points ($120 per year, $50 annual credit). In value, 200,000 BMO points represent approximately $1,333 for travel.
How do BMO Rewards points work?
BMO Rewards points can be redeemed for travel at a rate of 150 points for $1 through the BMO Rewards portal (approximately 0.67 cents per point), for everyday purchases at a ratio of 200 points for $1 in statement credit, or for contributions to a BMO investment account at a rate of 15,000 points for $100. Travel includes flights, hotels, car rentals and activities with no date or airline restrictions, unlike fixed-chart programs such as Aeroplan or CIBC Aventura.
Which BMO card is best for groceries?
The BMO eclipse Visa Infinite* Card offers 5 BMO Rewards points per dollar on groceries, restaurants, gas, and public transit, with no cap, making it the best BMO option for households with high grocery and dining expenses. The BMO eclipse Visa Infinite Privilege Card offers the same 5 points per dollar plus 5 points on travel, but its high annual fees are only worthwhile starting at $30,000 in annual spending. The Ascend World Elite only offers 3 points on dining, so avoid it for groceries.
Is the first year of BMO cards really free?
Yes, Milesopedia exclusive offers generally include a rebate of the first year’s annual fee on the BMO eclipse Visa Infinite* Card (saving $120) and the BMO Ascend World Elite Mastercard* (saving $150), provided you apply for the card through the Milesopedia link before the offer expires. The BMO eclipse rise Visa* Card has no annual fee permanently. The first year free on the BMO eclipse Visa Infinite Privilege is not usually offered due to its high fees.
Our featured card
- Annual fee
- $0 $150No annual fee the first year
- No annual fee the first year
- Our valuation
- $921Milesopedia 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.
- Milesopedia first-year estimateFirst-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.
- Welcome offer
- Up to 115,000 points
- + First Year Annual Fee Rebate
on BMO's website
Our editorial integrity
Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.