Which BMO Rewards card has the highest welcome bonus right now?

The BMO eclipse Visa Infinite Privilege currently leads the BMO Rewards lineup with up to 200,000 points, broken into 80,000 points after $6,000 in spend within 110 days, 40,000 points after $40,000 in 180 days, and 80,000 points after $75,000 in 365 days. At 0.667 cents per point, that's roughly $1,333 in travel redemption value before factoring in the $200 anniversary credit and six lounge passes. The eclipse Visa Infinite tops out at 80,000 points and the Ascend World Elite at 115,000, making the Privilege the obvious pick for high spenders ready to commit to a $499 annual fee.

How do I redeem BMO Rewards points for the best value?

BMO Rewards points are valued at 150 points per dollar, which translates to 0.667 cents per point, and are most commonly redeemed for travel through the BMO Rewards portal. You can book flights, hotels, car rentals, vacation packages, and even cruises directly without surcharges. The Pay with Points feature lets you offset existing card purchases at the same fixed value, but it's strictly less efficient than travel redemptions because there are no taxes savings or revenue ticket equivalencies. Always book travel through the portal to maximize your effective return on each point earned.

Is the BMO Ascend World Elite Mastercard better than the BMO eclipse Visa Infinite?

The Ascend earns 5x on travel, 3x on dining, entertainment, and recurring bills, making it the right pick for frequent travelers booking flights and hotels outside the BMO portal. The eclipse Visa Infinite earns 5x on groceries, gas, dining, food delivery, and transit, which suits everyday spenders better. Both charge $120 annual fees, but the Ascend includes four lounge passes per year through Mastercard Travel Pass, while the eclipse offers a $50 lifestyle credit. Frequent fliers who don't have lounge access elsewhere typically pick the Ascend, while category spenders prefer the eclipse.

Can I hold multiple BMO Rewards credit cards at the same time?

Yes, BMO allows cardholders to carry multiple BMO Rewards cards simultaneously, and many Milesopedia members combine the Ascend World Elite with the eclipse Visa Infinite to maximize bonus categories across travel, dining, groceries, and transit. Points earned across all BMO Rewards cards pool into a single rewards account, simplifying redemptions. However, BMO typically restricts double-dipping welcome bonuses on the same card within a 12 to 24 month window, so plan your applications carefully to avoid leaving any sign-up bonus value on the table.