New BMO Rewards Credit Card Offers

Credit Cards BMO Rewards credit cards: Exclusive offers up to 120,000 points – Summer 2025

To the point Here are the exclusive offers from the Bank of Montreal (BMO) for the five BMO Rewards credit cards: up to 120,000 points!

How to choose the best BMO card for your profile

Here’s a summary of the new welcome offers for BMO Rewards credit cards. For the details of the offers, continue reading and browse our analysis.

Details of BMO Rewards offers

Here are the details of the offers for the five BMO Rewards credit cards:

Up to 100,000 points with the BMO Ascend World Elite Mastercard^®*.
Up to 70,000 points with the BMO eclipse Visa Infinite* Card
Up to 120,000 points with the BMO eclipse Visa Infinite* Privilege Card
Up to 25,000 points with the BMO eclipse rise Visa Card
Up to 100,000 points with the BMO Ascend World Elite^®* Business Mastercard^®*.

BMO Ascend™ World Elite^®* Mastercard^®*

The BMO Ascend World Elite Mastercard is one of the best World Elite Mastercard credit cards with travel points in Canada. With our exclusive offer, you can get up to 100,000 bonus points:

55,000 points after $4,500 in Card purchases in the first 3 months
3,750 points per month after $2,500 in monthly purchases from the 4th to the 15th month (up to 45,000 points)

Plus, the annual fee is waived in the first year for both the primary cardholder and authorized users.

With the BMO Ascend World Elite Mastercard, a premium credit card from BMO, you get:

5 points per dollar on travel purchases
3 points per dollar on dining purchases
3 points per dollar for entertainment purchases
3 points per dollar on recurring bill payments

And 1 point for every $1 spent everywhere else, including at Costco. You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (flights, hotels, car rentals, all-inclusive resorts, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

The BMO Ascend World Elite Mastercard also offers:

Four annual complimentary passes to airport VIP lounges
Excellent Premium insurance for your travels or purchases
a premium concierge service

Our tip on this BMO offer

BMO has decided to increase its official welcome offer for the BMO Ascend World Elite Mastercard from 30,000 to 90,000 points.

The offer above is EXCLUSIVE to Milesopedia: 100,000 points, 10,000 points more than the offer on the BMO website.

The first part of the offer is relatively simple to obtain:

55,000 points after $4,500 in purchases in 3 months.
The second part is aimed at those who regularly use the card: 3,750 points per month after $2,500 in purchases from the 4th month onwards.

To better explain the breakdown of the welcome bonus, here is a summary table, also including the spending required and the points obtained via this spending (according to the 2-point or 3-point-per-dollar purchase categories):

Months	Purchases	Category (2X or 3X)	Bonus	Total
1	1 500 $	3,000 – 4,500 points	–	3,000 – 4,500 points
2	1 500 $	3,000 – 4,500 points	–	3,000 – 4,500 points
3	1 500 $	3,000 – 4,500 points	55,000 points	58,000 – 59,500 points
Total	$4,500	9,000 – 13,500 points	55,000 points	64,000 – 68,500 points
4	2 500 $	5,000 – 7,500 points	3,750 points	8,750 – 11,250 points
5	2 500 $	5,000 – 7,500 points	3,750 points	8,750 – 11,250 points
6	2 500 $	5,000 – 7,500 points	3,750 points	8,750 – 11,250 points
7	2 500 $	5,000 – 7,500 points	3,750 points	8,750 – 11,250 points
8	2 500 $	5,000 – 7,500 points	3,750 points	8,750 – 11,250 points
9	2 500 $	5,000 – 7,500 points	3,750 points	8,750 – 11,250 points
10	2 500 $	5,000 – 7,500 points	3,750 points	8,750 – 11,250 points
11	2 500 $	5,000 – 7,500 points	3,750 points	8,750 – 11,250 points
12	2 500 $	5,000 – 7,500 points	3,750 points	8,750 – 11,250 points
Total	$27,000	54,000 – 81,000 points	88,750 points	142,750 – 169,750 points
13	2 500 $	5,000 – 7,500 points	3,750 points	8,750 – 11,250 points
14	2 500 $	5,000 – 7,500 points	3,750 points	8,750 – 11,250 points
15	2 500 $	5,000 – 7,500 points	3,750 points	8,750 – 11,250 points
Total	$34,500	69,000 – 103,500 points	100,000 points	169,000 – 203,500 points

As you can see, in the first year, you’ll be able to earn a bonus of 88,750 points in addition to the points earned with your purchases. The condition being that you respect the minimum amount to spend each month.

If you wish to keep your card for a second year (which we recommend, given the insurance and benefits on offer, such as access to airport lounges), you can earn 100,000 points, in addition to the points accumulated with your purchases in the 15th month.

This welcome offer is clearly aimed at those who will be carrying $2,500 or more in monthly spending on the card.

BMO eclipse Visa Infinite* Card

By signing up for our exclusive offer for the BMO eclipse Visa Infinite* Card, you can earn up to 80,000 BMO Rewards points and enjoy a waiver of the $120 annual fee for the first year.

32,000 points after $3,000 of purchases in the first three months
4,000 points each month after $2,000 in purchases for 12 months (for a total of 48,000 points)

What’s more, you’ll receive a $50 anniversary credit that you can use as you please.

With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar spent on:

Groceries
restaurants, bars
Food delivery
Gas
local transport

And 1 BMO Rewards point per dollar spent everywhere else. Plus, if you add an authorized user to your account, you’ll earn 10% more points.

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

Our opinion on 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 have 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 use the card regularly: you’ll get 2,500 points after $2,000 in purchases from the 4th month to the 15th month (for a total of 30,000 points).

To better explain the breakdown of the welcome bonus and give an idea for the more visually impaired, here is a summary table, also including the spending required and points obtained via this spending (according to purchase categories from 1 point to 5 points per dollar):

Months	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 will be able to get 70,000 bonus points, in addition to the points earned with your purchases. The condition is that you respect the minimum amount to be spent during the allotted period.

And don’t forget that this Card offers a $50 annual credit that is automatically applied to the first purchase of $50 or more made on the card. That means you’ll pay $70 instead of $120… every year!

BMO eclipse Visa Infinite Privilege* Card

The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! With this card, you can earn up to 120,000 BMO Rewards points:

50,000 points when you spend $6,000 in the first 3 months
30,000 points after $30,000 in card purchases in the first six months
40,000 points at annual card renewal if you have made $75,000 in card purchases in the first 12 months

Plus, you’ll receivea $200 anniversary credit to use as you wish!

As well as a Visa Airport Companion membership with 6 complimentary airport lounge visits per year.

With this Card, you earn 5 BMO Rewards points per dollar of purchases for:

Groceries
Gas
Drugstores
travel purchases
Dining
Food delivery

And 1 BMO Rewards point for every $1 spent on everything else.

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (flights, hotels, car rentals, all-inclusive resorts, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

BMO eclipse rise Visa* Card

The new BMO eclipse rise Visa* Card is a no-annual-fee credit card with travel points, requiring no minimum income.

With this offer, you can earn 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 when you redeem 12,000 points with the Pay with Points option over a 12-month period
2,500 points when you pay the balance on time for 12 months

What’s more, you can benefit from an interest rate of 0.99% on balance transfers for nine months (a 2% balance transfer fee applies).

With the new BMO eclipse rise Visa* Card, you earn :

5 points for every two dollars spent on recurring bill payments
5 points for every two dollars spent at the grocery store
5 points for every two dollars spent at restaurant and for takeaway
1 point per two dollars of purchases for all other purchase categories

You can use BMO Rewards points for all travel purchases made through theagency or website of your choice (airline tickets, hotels, car rentals, all-inclusives, 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

BMO World Elite Business Mastercard

The BMO Ascend World Elite Business Mastercard is one of the best travel points-based Business Mastercard® credit cards in Canada. You can earn up to 100,000 points as a welcome bonus:

20,000 points on your first purchase within 75 days of account opening;
8,000 points per month when you spend at least $3,000 per monthly period, from the 3rd to the 12th month following account opening (for a total of 80,000 points).

Plus, there’s no annual fee for the first year! And you get 2 free annual visits to DragonPass airport lounges.

You can also benefit from a welcome interest rate of 0% on balance transfers for nine months (a 3% transfer fee applies).

With the BMO Ascend World Elite®* Business Mastercard, you earn 4 points for every dollar spent on:

gas purchases
office supplies
cell phone/internet payments

And 1.5 points for every dollar you spend, including at Costco or for significant purchases at home improvement stores.

You can also combine the points you earn with the other two BMO Rewards cards to save even more on your travels.

With the BMO Rewards® World Elite®* Business Mastercard® for Business, you benefit from various travel protections:

Collision Damage Waiver
Car Rental Personal Effects & Business Property
Car Rental Accidental Death & Dismemberment
Baggage & Personal Effects
Baggage insurance in case of delay
Flight Cancellation
Trip Interruption/Trip Delay
Flight delay
Common Carrier Insurance

And for your purchases :

Extended Warranty
Purchase Protection

Which BMO card should I choose?

Depending on your profile, here’s the BMO card to choose:

BMO Ascend World Elite Mastercard: Looking for a versatile card for travel? Try it out for the first year, especially since its annual fee is refunded anyway. It’s perfect for its excellent travel insurance, its 4 free airport lounges worldwide and its points that can be used to reimburse travel expenses.
BMO eclipse Visa Infinite* CardYou’re looking for a card because groceries, gas and restaurants are a big part of your budget. You have $50 in credit each year, and you can use BMO points to take the occasional trip, pay down your credit card balance or invest them in your BMO investments.
BMO eclipse Visa Infinite Privilege* Card: This is a combination of the first 2 cards above. Its annual fee is higher, but you get so much more if you travel a lot!
BMO eclipse rise Visa* Card No annual fee and no minimum income required. Perfect for beginners.
BMO Rewards^® World Elite^®* Business Mastercard^®*: If you own a business.

Come to discuss that topic in our Facebook Group!

Marie-Ève Leclerc

Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.

All posts by Marie-Ève Leclerc

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