BMO Ascend World Elite^®* Mastercard^®*

Unforgettable travel experiences start with our premium flexible travel credit card!

Welcome offer

Minimum $80,000 (individual) or $150,000 (household) annual income required.

Get the $150 annual fee rebated annually with our BMO Premium Chequing Account.^{††Footnote dagger dagger}

Find your unforgettable travel experiences

5x the points

For every $1 spent on eligible travel purchases.^9A,9B

Airport lounge access

With free membership in Mastercard Travel Pass provided by DragonPass, plus 4 free passes a year.^26A

Travel and medical protection

With 21-day out-of-province/out-of-country emergency medical benefits – up to $5 million in coverage, and more.⁴⁶

Fill up on savings

Get up to 7 cents off per litre on Shell^® fuel, only for BMO cardholders.¹⁰¹

Learn more

Get rewarded with all your most memorable moments and everyday spending

5x the points
For every $1 spent on eligible travel purchases.^9A,9B
3x the points
For every $1 spent on eligible entertainment purchases.^9A,9B

3x the points
For every $1 spent on eligible dining purchases.^9A,9B
3x the points
For every $1 spent on recurring bill payments.^9A,9B

Plus, 1x the point for every $1 spent everywhere else.^9B

Minimum $80,000 (individual) or $150,000 (household) annual income required.

Your BMO Rewards benefits

Redeem your BMO Rewards points using Pay with Points to cover eligible travel purchases like flights, hotels, car rentals, vacation packages, cruises and more.⁶⁴
No extra costs – your points cover all flight fees and taxes.
Save for the future by redeeming points for a contribution to a BMO savings or investment account.
Pay with Points. Let your points pick up the tab. Apply your points directly to eligible purchases.⁶⁴

BMO Ascend World Elite^®* Mastercard^®*

Ready to create unforgettable memories at home and away? Here’s what you need to know.

The annual fee is waived in the first year
– a savings of $150.¹

Minimum $80,000 (individual) or $150,000 (household) annual income required.

BMO Rewards calculator

Find out how many reward points you can earn with the BMO Ascend World Elite Mastercard

Estimate your monthly spending

5x the points for every $1 spent on eligible travel purchases

$0$5,000

3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments

$0$5,000

1 point for every $1 spent everywhere else

$0$5,000

Your first year BMO Rewards points total

your first year b m o rewards points total would be 0

Yearly breakdown

Welcome bonus points

your welcome bonus points would be 0

Travel

your travel points would be 0

Dining, entertainment, and recurring bill payments

your dining, entertainment and recurring bill payments would be 0

All other purchases

your points from all other purchases would be 0

Use of the reward calculator is for illustrative purposes only. Values displayed valid as of March 6, 2024.

Estimated yearly rewards

Use your BMO Rewards points to treat yourself to something big – or something small. They’re yours to use however you like.

You could redeem 42,000 points for dinner for two at a nice restaurant.

OR redeem those points on a variety of everyday treats, such as:

2,400 points for lattes for you and a friend
12,600 points for a monthly gym membership
16,800 points for a spa treatment

Minimum $80,000 (individual) or $150,000 (household) annual income required.

How to Pay with Points

Treat yourself with BMO Rewards and Pay with Points for any purchase. Perfect for life’s everyday pleasures like a latte, subscription services or a bouquet of flowers just because.

1. Sign into bmorewards.com with your BMO Online Banking credentials or through the BMO Mobile Banking App and select the Pay with Points tab.
2. Browse your recent transactions and select which eligible purchase you want to redeem points for.
3. Choose how many points you would like to redeem toward your purchase - you can redeem your points for as little as $1!⁶⁴

Digital features and security at your fingertips

Give your financial health a boost with online and mobile banking tools. Enjoy more control over your credit card and a better understanding about how you’re using it.

Safety and security
Can’t find your card? No worries, you can lock it, unlock it or report it lost or stolen at any time.
Financial insights
Stay on top of your spending with a personalized look at your money.
Credit score
Get free, 24/7 access to CreditView with no impact to your credit score.
Dispute a transaction and PIN reset
Resolve an issue with your statement or reset your PIN directly from your mobile app.

Earn BMO Rewards points even faster when you add another cardholder for $50 a year.⁸
Shop confidently with an extended warranty and purchase protection.³⁷
Save up to 20% on National Car Rental^®†† and Alamo Rent A Car^®†† and up to 5% on Enterprise Rent-A-Car^®†† at locations worldwide using the Car Rental Booking tool.²⁵
Get 20% off admission to Cirque du Soleil shows touring Canada⁴⁸, and 15% off resident shows in Las Vegas.⁴⁹
Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada.⁹⁸
With FlexiRoam, stay connected around the world without a SIM card and get up to 15% off a Global Data Roaming plan plus up to 3GB of data, without any additional charges, if apply.¹¹⁸

Your BMO Ascend World Elite Travel and Medical Protection⁴⁶ includes:

Travel Medical Insurance
Covers you, your spouse and/or dependent children for up to $5 million in eligible Out-of-Province/Out-of-Country Emergency Medical expenses for trips up to 21 days.
Car Rental Collision Loss / Damage Waiver Insurance
You'll be reimbursed for damage or theft of your rental car, for a total rental period of up to 48 consecutive days.
Travel Accident Insurance
You, your spouse and dependent children are insured for up to $500,000 against accidental loss of life or dismemberment, when riding on a common carrier like a passenger plane, bus, taxi, train or cruise ship.
Delayed and Lost Baggage Insurance
You’ll be reimbursed up to $500 per insured person, to a maximum of $1,000 per account if your baggage is lost or damaged.
If your checked baggage is delayed by more than 6 hours, you’ll be reimbursed up to $500 for the purchase of essential items.
Trip Cancellation / Trip Interruption Insurance
You’ll be reimbursed for the non-refundable and non-transferable prepaid portion of your trip up to $1,500 per insured person, to a maximum of $5,000 per account when an eligible covered event occurs.
For Trip Interruption, you’ll be reimbursed when an eligible covered event occurs for up to $2,000 per insured person for the extra cost of a one-way economy airfare to your point of departure and any unused non-refundable prepaid arrangements.
Flight Delay Insurance
You’ll be reimbursed up to $500 per account for additional accommodation and travelling expenses if your flight is delayed more than 4 hours.

Please review the BMO Ascend World Elite Total Travel & Medical Protection Certificate/Policy of Insurance for more details.

BMO PaySmart Trademark Installment Plans

Live now, pay smarter with a BMO PaySmart plan by turning your credit card purchases into smaller, monthly payments at a low cost.

Learn more

Ready to apply?

Start earning and redeeming more rewards now.

We’ll respond in under 60 seconds.

BMO Ascend World Elite Mastercard FAQs

There are a few requirements you need to meet to apply for a credit card with us.
- Be a Canadian citizen or permanent resident
- Have not declared bankruptcy in the past seven years
- Have reached the age of majority in the province in which you live (18 years in AB, MB, ON, PE, QC and SK. 19 years in all other provinces)
- Meet minimum income requirements
- If you have an emergency at home or away, you can contact the Mastercard Assistance Centre 24 hours a day: 1-800-247-4623 (within Canada and the U.S.)
- 1-314-275-6690 (outside North America, call collect)
Yes, you can! You’ll be able to set up, manage and review your PaySmart installment plans from your Online Banking account.
To get started, simply login and follow these steps for recent eligible credit card purchases of $100 Canadian currency or more:
- 1. Choose an eligible credit card purchase you’d like to convert into a PaySmart plan.
- 2. Go to the Installment Plan tab and click the Create button.
- 3. Select the plan that works best for you.

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- Benefits Guide
  Discover all the features and perks of your new credit card.
  Get PDF for full details
- BMO Mastercard Cardholder Agreement
  Get all the details about the benefits that come with your card as well as your rights and responsibilities as a BMO Mastercard cardholder.
  Get PDF for full details
- BMO Rewards Terms and Conditions
  This guide outlines in detail terms and conditions governing your BMO Rewards Mastercard rewards. Check the Table of contents to find the BMO Rewards section.
  Get PDF for full details
- Important information on rates and fees
  Key information about your BMO Mastercard, such as current fees, interest rates, grace period, minimum payment, foreign currency conversion and more.
  Get PDF for full details
- Certificate of Insurance
  This guide outlines the terms and conditions governing the insurance that comes with your card.
  Get PDF for full details
- Insurance Product Summary (For Quebec Residents)
  Summary of the benefits, and key terms and conditions of the insurance that comes with your card.
  Get PDF for full details

BMO Ascend World Elite®* Mastercard®*

Welcome offer

Find your unforgettable travel experiences

5x the points

Airport lounge access

Travel and medical protection

Fill up on savings

Get rewarded with all your most memorable moments and everyday spending

5x the points

3x the points

3x the points

3x the points

Your BMO Rewards benefits

BMO Ascend World Elite®* Mastercard®*

BMO Rewards calculator

Estimate your monthly spending

Estimated yearly rewards

Pay with Points

Travel

Merchandise

How to Pay with Points

Digital features and security at your fingertips

Safety and security

Financial insights

Credit score

Dispute a transaction and PIN reset

Additional benefits

Travel Coverage

Security

Add-ons

BMO PaySmartTM Installment PlansBMO PaySmart Trademark Installment Plans

Ready to apply?

BMO Ascend World Elite Mastercard FAQs

Where can I learn more about the BMO Rewards program?

What information do I need to provide to apply for my card?

How do I know if I’m eligible for a BMO credit Card?

Is my application secure?

Help! I have an emergency with my BMO Ascend World Elite Mastercard.

Can I set up a BMO PaySmart installment plan with this card?

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BMO Ascend World Elite^®* Mastercard^®*

BMO Ascend World Elite^®* Mastercard^®*

BMO PaySmart Trademark Installment Plans