Rewards

BMO Ascendᵀᴹ World Elite®* Mastercard®*

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Minimum Annual Income $80,000 (individual); OR
$150,000 (household)
Required Credit Score 720
Canadian Residency Yes

BMO Ascendᵀᴹ World Elite®* Mastercard®*

Get up to $1,600 in value

Get up to $1,600 in value and the annual fees waived in the first year. Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.

$943 First Year Value
$126 Consecutive Years Value
Annual Fees $150 (First year rebated)
Additional cards $50/year
Interest Rates
100% on purchase 23.99% on cash advance
QC: 21.99%
23.99% on balance transfer
QC: 21.99%
BMO Ascendᵀᴹ World Elite®* Mastercard®* - BMO

Estimated rewards for the first year*

Total Reward: $943.14
Entertainment: $24.01
Gas: $40.02
Groceries: $48.02
Restaurants: $120.06
Other: $44.02
Additional Bonus: $667
Annual Fee: $0
Total: $943.14
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
BMO Ascendᵀᴹ World Elite®* Mastercard®* - BMO

Estimated rewards for subsequent years*

Total Reward: $276.14
Entertainment: $24.01
Gas: $40.02
Groceries: $48.02
Restaurants: $120.06
Other: $44.02
Annual Fee: $150
Total: $126.14
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.

Reward Calculator

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Special Features

01

Personal travel and lifestyle card with comprehensive insurance

This travel card is one of our top picks for its impressive rewards program, insurance coverage, and high earning potential. Enjoy BMO Rewards points on every purchase, and spend them on your next vacation.

Card Benefits

VIP Airport lounge pass

Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes. Get access to over 1,300+ lounges worldwide through the Mastercard Travel Pass program.

Concierge service

With BMO concierge service, you can receive personalized travel planning assistance and assistance with event tickets and restaurant reservations.

Exclusive discounts with my favourite brands

Save up to 25% on car rentals at participating National Car Rental and Alamo Rent A Car locations. Plus, get a 15% admission discount for Cirque du Soleil shows in Canada and a 20% discount for resident shows in Las Vegas.

More rewards with additional card

If you want to earn points even faster, add an additional cardholder to your account. With an extra cardholder, you'll get 25% more points on all purchases.

Card Insurance

Auto rental coverage

The rental car coverage will protect you from damage to or theft of a rental vehicle of MSRP up to $65,000 with a maximum rental period of up to 48 consecutive days.

Trip cancellation

The trip cancellation insurance of up to $1,500 per person and $5,000 per account allows you to cancel your plans without worrying about financial loss if you become sick or have an emergency.

Trip interruption

The trip interruption insurance of up to $2,000 per covered individual, to a maximum of $10,000 per account can provide peace of mind while traveling.

Flight delay

The BMO AscendTM World Elite®* Mastercard®* comes with Flight Delay insurance, so if your flight is delayed for 4 hours or more, you are eligible for $500 per account per trip coverage.

Medical emergency

In case of an unexpected medical emergency, you are covered for up to $5,000,000 for up to 8 consecutive trip days. So you can focus on recovering while Allianz handles the bills.

Extended warranty

Extended Warranty Insurance by BMO doubles the original manufacturer’s warranty to a maximum of 1 additional year.

Purchase protection

Shop confidently with Purchase Security Insurance which provides up to 90 days of coverage against theft or damage of covered items from the date of purchase.

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