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This credit card is for you, if...


  • ...you love to travel using rewards – with no restrictions.

  • ...you want travel points that cover ALL charges.

  • ...you want to travel worry-free with best-in-class insurance.

The BMO World EliteTM MasterCard®* gets you:

  • 1 BMO ELITETM Rewards point for every $1 in credit card purchases:

    The highest travel redemption rate in the industry1

  • A welcome bonus of 15,000 ELITE Rewards points:

    You can use this $285 travel credit right away for a flight, hotel booking and more2

  • Hassle-free rewards:

    Redeem your credit card rewards anytime with no blackout periods and cover ALL flight charges, including taxes. PLUS: Points never expire as long as you have your BMO World Elite MasterCard account3

  • Worry-free travel:

    Unlimited-trips-per-year insurance coverage4

Recommended minimum annual income of applicant is $70,000.

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. PLUS: Gain exclusive access to special events and luxury packages.

  • Get more from your travel points: Exclusive access to once-in-a-lifetime events, dream vacation packages, spa and gourmet getaways, and more.
  • Get 15,000 welcome bonus points to use right away as a $285 travel credit.2.
  • Stretch your travel points: Apply travel credits toward the retail price of your flight– no markups – so the cheaper the trip, the fewer points you need. See how many BMO ELITE Rewards points you could earn with your BMO World Elite MasterCard.

Added value:

  • 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 expenses)4
  • Free access to VIP airport lounges with included Priority PassTM† membership and three complimentary lounge visits each year5
  • Add an additional cardholder to your credit card account (and earn even more BMO ELITE Rewards points) for $50/year
  • Double ELITE Rewards points6 and up to 25% off rentals at National Car Rental locations worldwide7

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 give you exceptional rewards beyond travel – from luxury merchandise and cultural event tickets 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 ELITE Rewards program?
  • You earn 1 BMO ELITE Rewards point for every $1 in credit card purchases
  • You can book any seat available on any flight – or any hotel, or vacation package – no restrictions
  • When you're ready to book, visit the online Elite Rewards Centre where flights, hotels and package vacations are all available at highly competitive rates – similar to those at other online booking sites
  • With the highest credit card travel redemption rate in the industry – every 10,000 points is equivalent to a $190 travel credit that can be used on the booking of your choice1
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, unlike other top-up options.

The ELITE 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.

Recommended minimum annual income of applicant is $70,000.
Feel protected wherever you are — with the exclusive insurance and protection that comes with your BMO World Elite MasterCard:

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.
Download insurance certificate (PDF) for full-coverage details.

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.
Download insurance certificate (PDF) for full-coverage details.

Purchase Protection

  • Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase.
Download insurance certificate (PDF) for full-coverage details.

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).

    Show criteria

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


Enjoy peace of mind when traveling 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 ABM, and more

Additional Protection and Travel Insurance Options


Recommended minimum annual income of applicant is $70,000.

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.

Pricing Policy
Find out about when and how fees and bonus points are applied to your BMO World Elite MasterCard account, along with other pricing details associated with your card.

Cardholder Agreement
A detailed explanation of your rights and responsibilities as a BMO MasterCard cardholder.

BMO ELITE Rewards Agreement
This guide outlines in detail the terms and conditions governing your BMO World Elite MasterCard rewards.

Footnotes
A detailed explanation of the rules and provisions that govern your BMO World Elite MasterCard.
Recommended minimum annual income of applicant is $70,000.

Ready to apply?

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In person
Make an appointment at your local branch
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Questions?
  • Call 1-800-263-2263
    Mon-Sat: 8a.m. - 12a.m. (ET)
    Sun: 10a.m. - 12a.m. (ET)
  • Lost or stolen card?
    1-800-361-3361
  • Find a branch near you
BMO MasterCard Eligibility Criteria
  • Be a permanent Canadian resident
  • Have not declared bankruptcy in the past seven years
  • Have reached the age of majority in the province in which you live
    (18 yrs in AB, MB, ON, PE, QC, SK.  19 yrs all others)