Welcome offer
Get the $150 annual fee rebated annually with our BMO Premium Chequing Account.††
BMO AscendWorld Elite®starMastercard®
Unlock your next adventure. Redeem your points for flights, hotels, or cruises and enjoy the same great value every time.
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
Save on groceries and more with complimentary Instacart+
Learn moreEnjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.120
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- 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.
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
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 BMO 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 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.
Save on groceries and more with complimentary Instacart+
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.120 Terms apply.
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 Credit Coach 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.
- Out-of-province/out-of-country emergency medical insurance up to $5 million per insured person, per trip - up to 21 consecutive days. footnote star
- Common carrier insurance.
- Car rental – collision/loss damage insurance.
- Trip cancellation/trip interruption insurance.
- Flight delay insurance up to $500 per trip for all insured persons. footnote star
- Baggage insurance.
- Hotel burglary insurance up to $1,000 per occurrence for all insured persons. footnote star
footnote star details Please review the BMO Ascend World Elite Certificate of Insurance for more details.
TOP-UP INSURANCE
Your credit card already includes built-in travel insurance. With BMO Travel Insurance, you can top up your coverage for longer trips and boost your benefits for added protection beyond your existing plan.
- Mobile Device InsuranceProvides up to $1,000 of protection against loss, theft or accidental damage of your smartphone, cellular phone or tablet, anywhere in the world if the device is purchased in full with your card or, if financed through a fixed term contract with a Canadian wireless service provider and all recurring wireless bill payments are charged to your card.97
- Extended Warranty InsuranceDoubles the original manufacturer’s warranty period on items purchased up to a maximum of one year when you charge the full purchase price to your card.97
- Purchase Security InsuranceCovered items purchased in full with your card are automatically insured against theft or damage for the first 90 days from date of purchase.97
- Credit Card Balance ProtectionEnrol in the Credit Card Balance Protection plan and receive up to $20,000 credit card balance coverage.
- Zero LiabilitySafeguard yourself from any monetary loss resulting from fraudulent card use.
- BMO AlertsManage notifications for credit card transactions, large purchases, international use and more via BMO Digital Banking or BMO Mobile Banking.
- Mastercard Identity CheckAdd another layer of security to protect you when you shop online.
- Car Rental DiscountSave 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
- FlexiRoamWith 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
- Airport Lounge PassesEnjoy 4 free lounge visits each year across 1,300 lounges worldwide, presented by DragonPass. You can use them for yourself or companions.
- On-Demand and Subscription ServicesGet valuable benefits and offers from a variety of on-demand apps and subscription services.
- Cirque Du Soleil DiscountGet 20% off admission to Cirque du Soleil shows touring Canada48, and 15% off resident shows in Las Vegas.49
BMO PaySmart™ 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.
Ready to apply?
Start earning and redeeming more rewards now.
We’ll respond in under 60 seconds.
BMO Ascend World Elite Mastercard Frequently asked questions
Visit bmorewards.com to check out where your BMO 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, SIN, 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 CAD or more:
- Choose an eligible credit card purchase you’d like to convert into a PaySmart plan.
- Go to the Installment Plan tab and click the Create button.
- Select the plan that works best for you.
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