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BMO World Elite MasterCard

Minimum $70,000 (individual) or
$120,000 (household) income required

Good Choice
based on the income you provided (clear)
Not Ideal
based on the income you provided (clear)


Any flight, any ship, any hotel, anytime.
Apply BMO Rewards points towards the retail price of any travel – no markups.


Best-in-class travel medical insurance. Unlimited-trips-per-year coverage for trips up to 21 days.


Exclusive access to VIP airport lounges worldwide, with included Priority PassTM† membership plus four lounge visits per year.

The BMO World Elite MasterCard®* gets you:

2% back for travel on all card purchases. 1

Here's how it works:

Spend = $5,000 on card purchases
Earn = 10,000 BMO Rewards points *2 BMO Rewards points for every $1 in card purchases
Redeem = $100 towards travel
You can use this $300 travel credit right away for a flight, hotel booking and more. 2
There are zero restrictions on how many BMO Rewards points you can earn, how
often you can redeem or how many points you can redeem at once.
Redeem your credit card rewards anytime with no blackout periods or seat
restrictions. Plus, BMO Rewards points cover ALL flight charges including taxes
and fees. 3
annual fee. Additional cards FREE
Interest rate
Minimum $70,000 (individual) or
$120,000 (household) income required


Get more from your BMO World Elite MasterCard®*

Experience the freedom of turning your everyday credit card purchases into travel rewards – flights, cruises, vacation packages and more – with no restrictions on flights, time of year or seating.

Get more from your travel points
  • Gain exclusive access to special events and luxury packages.
Get 30,000 welcome bonus points2
  • Use right away as a $300 travel credit.
Stretch your travel points Dining and Entertainment Reservations and Recommendations
  • 24/7 access to BMO Concierge Service by calling 1-800-741-6758
Compare our credit card
See how the BMO World Elite Mastercard compares to other travel credit cards

Added Value

Get 30,000 welcome bonus points2
  • Use right away as a $300 travel credit
Travel worry-free
  • With our best-in-class travel medical insurance – unlimited-trips-per-year coverage for trips up to 21 days (up to $2 million in eligible medical expenses) 4
Free access to VIP airport lounges
  • With included Priority PassTM† membership and four complimentary lounge visits each year (over $200 US/year value) 5
Additional cardholder
  • Add an additional cardholder to your credit card account (and earn even more BMO Rewards points) with no additional annual fee
Double Rewards points 6
  • Double Reward points and up to 25% off rentals at National Car Rental & Alamo Rent A Car locations worldwide 7

Also included

Trip Cancellation, Trip Interruption and Trip Delay Insurance
  • You're well covered should an unexpected event disrupt your trip. Details
Car Rental Collision and Damage Insurance
  • Save on additional car rental insurance costs with coverage up to 48 days. Details
Easy, free online travel booking

Convenient concierge service
  • Makes your personal and professional life easier – 24-hour access to financial, entertainment and leisure arrangements.
Exclusive extras
  • Gives you exceptional rewards beyond travel – from luxury merchandise and gift cards to spa services, investment options and charitable donations.
Dedicated customer service
  • Exclusively for BMO World Elite MasterCard customers: No matter where you are in the world, we're here to help.


Why the BMO Rewards program?

You earn 2 BMO Rewards points for every $1 in credit card purchases - that's 2% back in travel.
You can book any seat available on any flight – or any hotel, or vacation package – no restrictions.
Points don't expire3, and can be used to cover all flight charges - including taxes.
With one of the highest credit card travel redemption rates in the industry – every 10,000 points is
equivalent to a $100 travel credit that can be used on the travel booking of your choice 1
When you're ready to book, visit the online BMO Rewards Centre where flights, hotels and package
vacations are all available at highly competitive rates – similar to those at other online booking sites.
  • If you don't have enough points for the full cost of your trip you can pay the difference with your BMO MasterCard – with
    no mark-ups.
  • The BMO Rewards program also offers a full range of non-travel redemption options like high-end electronics and charitable
    donations. You can even redeem your points into your BMO investment account.

Feel protected wherever you are

BMO World Elite Total Travel and Medical Protection

  • Travel worry-free with our best-in-class travel insurance. You and your family are well covered should an emergency or unexpected event disrupt your trip, for car rental collision damage and out-of-country medical expenses up to $2 million. Unlimited-trips-per-year coverage for trips up to 21 days.
Extended Warranty
  • Save the cost of buying optional extended warranty insurance on your next purchase by paying with your BMO credit card. This coverage doubles the original manufacturer's warranty period up to a maximum of one additional year.
Purchase Protection
  • Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase.
Zero Dollar Liability
  • In case the unexpected should happen, enjoy free protection from both theft and the fraudulent use of your card. If your card is used without your authorization, you will not be liable if you notify us within 24 hours (among other criteria).

Help Around the World and Lost or Stolen Card Replacement Funds from MasterCard Global Service®*

Enjoy peace of mind when travelling around the world. You can call us 24 hours a day, 365 days a year and we'll connect you with a representative who speaks your language, and can help with:

  • Lost or stolen cards.
  • Emergency replacement cards or up to $1,000 in emergency funds.
  • Locate an ATM, and more.
Additional Travel Insurance Options*

This complete medical insurance option covers you and your family for travel of 31 days or less (up to 2 million of dollars in eligible costs).

For stays of longer duration, consider upgrading your 21-day coverage automatically included with your BMO World Elite MasterCard to 31-day coverage.

Age (cardholder and spouse)
Annual fee
Less than 65
65 - 69
70 - 74

*Not available to residents of Quebec.

For more information on this option, please call 1-800-263-2263.

The Fine Print

To save you time, here's a convenient page of resources that outlines everything you need to know about your BMO World Elite MasterCard terms, costs, cardholder rights and benefits.

Important Information
  • Key information about your BMO World Elite MasterCard, such as the latest fees, interest rates, grace period, minimum payment, foreign currency conversion, and more.
Cardholder Agreement
  • A detailed explanation of your rights and responsibilities as a BMO MasterCard cardholder.
BMO Rewards Agreement
  • This guide outlines in detail the terms and conditions governing your BMO World Elite MasterCard rewards.
  • A detailed explanation of the rules and provisions that govern your BMO World Elite MasterCard.


Choose from luxurious goods, exclusive experiences, gift cards and much more.

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Pay without having to swipe or insert your card. Tap & Go™* with your BMO MasterCard PayPass.

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How does the BMO World Elite MasterCard stack up against the competition? See for yourself.

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Ready to apply?

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