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B M O AscendWorld Elite®starMastercard®

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

Welcome offer

Get the $150 annual fee rebated annually with our BMO Premium Chequing Account.††

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

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 unlimited-trips-per-year coverage for journeys up to 21 days (up to $2 million in eligible medical expenses).46

  • Fill up on savings

    Get up to 7 cents off per litre on Shellfootnote registered fuel, only for B M O 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 B M O Rewards points using Pay with Points to cover eligible travel purchases like flights, hotels, car rentals, vacation packages, cruises and more.64
  • Save for the future by redeeming points for a contribution to a B M O savings or investment account.
  • Pay with Points. Let your points pick up the tab. Apply your points directly to eligible purchases.64
 

    B M O Ascend World Elite®star Mastercard®star

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

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      annual fee8

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

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      for purchases8

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      for cash advances8

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

    B M O Rewards calculator

    Find out how many reward points you can earn with the B M O Ascend World Elite Mastercard.

    Estimate your monthly spending

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

    Slider increases or decreases the dollar amount based on the direction it is moved in
    Minimum $0Maximum $5,000

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

    Slider increases or decreases the dollar amount based on the direction it is moved in
    Minimum $0Maximum $5,000

    1 point for every $1 spent everywhere else

    Slider increases or decreases the dollar amount based on the direction it is moved in
    Minimum $0Maximum $5,000
    Your first year B M O Rewards points total

    0

    Yearly breakdown
    Welcome Bonus points
    0
    Travel
    0
    Dining, entertainment, and recurring bill payments
    0
    All other purchases
    0
    Use of the reward calculator is for illustrative purposes only. Values displayed valid as of March 6, 2024.

    Estimated yearly rewards

    Use your B M O 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 B M O 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 B M O Online Banking credentials or through the B M O 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.

    screen shot of BMO mobile banking app, displaying the accounts summary page

    • Earn B M O 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 B M O 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 trips 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.

    Check out these other options you can add on:

    BMO PaySmart™ Installment Plans

    Live now, pay smarter with a B M O 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.

    B M O Ascend World Elite Mastercard Frequently asked questions

    • Visit bmorewards.com to check out where your B M O Rewards points can take you or to browse our online merchandise catalogue and more.

    • You’ll need to share a few things to open an account online, including your name, date of birth, contact info, S I N, address, employment status, income source(s), and rent or mortgage amount. The better picture we have of your financial health, the faster we can let you know if your application has been approved.

    • 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 Alberta, Manitoba, Ontario, Prince Edward Island, Quebec and Saskatchewan. 19 years in all other provinces)
      • Meet minimum income requirements

    • Yes. We’re committed to protecting your confidential information and privacy and we continuously employ the latest security software to our sites and apps. Additionally, our digital experiences have been upgraded with extended validation (EV) SSL Certificates, which add another layer of protection by identifying our sites and applications as legitimate

      • 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 C A D 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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