BMO Ascend World Elite®* Mastercard®*

Welcome Bonus
Up to 100,000 Points
  • 5X points on travel purchases
  • Access to VIP Lounges
  • Accepted at Costco
Annual Fee
$150
First Year Annual Fee Rebate (terms apply)
Interest rates
Purchase Rates
21.99%
Cash Advance Rates
23.99%
21.99% (QC)
Balance Transfer Rates
23.99%
21.99% (QC)
bmo-ascend-world-elite-mastercard
BMO Ascend World Elite®* Mastercard®*
Up to 100,000 Points
Apply Now

Offer

Welcome offer: Get up to $1,600 in value including up to 100,000 points, Mastercard Travel Pass Program & 4 Complimentary Lounge Passes, NEXUS Statement Credit and the annual fee waived in the first year for both the primary cardholder and authorized users.*

Additionally, enjoy a 0% introductory interest rate on balance transfers for 12 months as well as a 2% balance transfer fee.*

  • 5x the points for every $1 spent on eligible travel purchases,*
  • 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,*
  • 1 point for every $1 spent everywhere else.*
  • Free membership to the Mastercard Travel Pass app provided by DragonPass*, with 4 complimentary passes per year*
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
  • Extended Warranty*
  • Purchase Protection*
  • BMO Ascend World Elite Total Travel and Medical Protection:
    Get Collision Damage Waiver benefits on rental cars, 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*

Fees & Conditions

Personal Income $80,000
Household Income $150,000
Annual Fee $150
First Year Annual Fee Rebate
First Additional Card $50
First Year Annual Fee Rebate - First Additional Card
Other Additional Card $50
Foreign Transaction Fee 2.5%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First Year Annual Fee Rebate
-
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Welcome Bonus amount Up to 100,000 Points
VIP Lounges
Lounge Annual Visits included 4
Costco

Earnings

Per dollar of purchases

All Spending 1 Point
Groceries 1 Point
Gas 1 Point
Dining and Food delivery 3 Points
Convenience Stores 1 Point
Drugstores 1 Point
Local Transport 1 Point
Travel 5 Points
Entertainment 3 Points
Recurring Payments 3 Points
Telecom/Internet 3 Points
Streaming services 3 Points
Online transactions 1 Point
Office Supplies 1 Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
Insurance Document
4.4