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BMO® World Elite®* Mastercard®*

BMO World Elite Mastercard

Welcome offer: Get 35,000 welcome points after you spend $3,000 in first 3 months and we'll waive the $150 annual fee for the first year.1

Get 3 BMO Rewards points for every $1 spent on eligible travel, dining and entertainment purchases.9A, 9B
Get 2 points for every $1 spent everywhere else.9B
  • $150
    annual fee8
  • 19.99%
    for purchases8
  • 22.99%
    for cash advances8

Get BMO Rewards points for every credit card purchase.9A, 9B

You’ll also get:

  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access26A, plus four annual complimentary passes
  • BMO World Elite Total Travel and Medical Protection46 providing car rental collision damage coverage, out-of-province / out-of-country emergency medical protection up to $2 million, and more for unlimited-trips-per-year up to 21 days in length.
  • BMO Rewards points faster when you add additional cardholders for $50/year each8
  • purchase protection and extended warranty on most items bought with your card37

Here are some of the features that keep your card protected:

Other features you can add

Rewards calculator

How many BMO Rewards points can I earn?

How much do you think you’ll spend per month on your card?

Travel*
Dining*
Entertainment*
All other spend
Use of the BMO Rewards calculator is for illustrative purposes only. Values displayed valid as of June 11, 2018.
*Subject to terms and conditions 9A, 9B

Your results

Points earned in your first year
0
Calculation includes 35,000 welcome points when you spend $3,000 in first 3 months.1
  • 1 night 4-star Hotel in Montreal
    1 night 4-star Hotel in Montreal
    20,000 BMO Rewards points
  • 1 night 4-star Hotel in Banff
    1 night 4-star Hotel in Banff
    25,000 BMO Rewards points
  • Toronto to Chicago
    Toronto to Chicago
    40,000 BMO Rewards points
  • Vancouver to San Francisco
    Vancouver to San Francisco
    45,000 BMO Rewards points
  • Montreal to New York
    Montreal to New York
    50,000 BMO Rewards points
  • 1 week convertible car rental
    1 week convertible car rental
    55,000 BMO Rewards points
  • Calgary to Miami
    Calgary to Miami
    58,000 BMO Rewards points
  • Vancouver to Chicago
    Vancouver to Chicago
    61,000 BMO Rewards points
  • Las Vegas  4 night Flight + Hotel
    Las Vegas 4 night Flight + Hotel
    65,000 BMO Rewards points
  • Toronto to London
    Toronto to London
    72,000 BMO Rewards points
  • Montreal to Paris
    Montreal to Paris
    81,000 BMO Rewards points
  • St. John's to Las Vegas
    St. John's to Las Vegas
    84,000 BMO Rewards points
  • 2 nights 4.5-star Hotel in South Beach
    2 nights 4.5-star Hotel in South Beach
    90,000 BMO Rewards points
  • Toronto to Barcelona
    Toronto to Barcelona
    92,000 BMO Rewards points
  • Montreal to Venice
    Montreal to Venice
    95,000 BMO Rewards points
  • 7 night Caribbean Cruise
    7 night Caribbean Cruise
    100,000 BMO Rewards points
  • Vancouver to Tokyo
    Vancouver to Tokyo
    100,000 BMO Rewards points
  • Halifax to Paris
    Halifax to Paris
    104,000 BMO Rewards points
  • Toronto to Istanbul
    Toronto to Istanbul
    112,000 BMO Rewards points
  • Calgary to Barcelona
    Calgary to Barcelona
    113,000 BMO Rewards points
  • Montreal to Rio de Janeiro
    Montreal to Rio de Janeiro
    118,000 BMO Rewards points
  • Vancouver to London
    Vancouver to London
    124,000 BMO Rewards points
  • Toronto to Dubai
    Toronto to Dubai
    132,000 BMO Rewards points
  • Vancouver to Rio de Janeiro
    Vancouver to Rio de Janeiro
    136,000 BMO Rewards points
  • St. John's to Paris
    St. John's to Paris
    140,000 BMO Rewards points
  • 10 night Mediterranean Cruise
    10 night Mediterranean Cruise
    150,000 BMO Rewards points
  • Halifax to Tokyo
    Halifax to Tokyo
    154,000 BMO Rewards points
  • Vancouver to Tibet
    Vancouver to Tibet
    159,000 BMO Rewards points
  • Toronto to Kuala Lumpur
    Toronto to Kuala Lumpur
    160,000 BMO Rewards points
  • Regina to Dubai
    Regina to Dubai
    162,000 BMO Rewards points
  • 7 nights - Mexico 5-star All Inclusive
    7 nights - Mexico 5-star All Inclusive
    170,000 BMO Rewards points
  • Regina to Mumbai
    Regina to Mumbai
    172,000 BMO Rewards points
  • Vancouver to Cape Town
    Vancouver to Cape Town
    190,000 BMO Rewards points
  • Toronto to Sydney
    Toronto to Sydney
    198,000 BMO Rewards points
  • Montreal to Sydney
    Montreal to Sydney
    198,000 BMO Rewards points
  • Vancouver to Cape Town
    Vancouver to Cape Town
    206,000 BMO Rewards points
  • St. John's to Cape Town
    St. John's to Cape Town
    214,000 BMO Rewards points
  • Montreal to Kuala Lumpur
    Montreal to Kuala Lumpur
    225,000 BMO Rewards points
  • St. John's to Sydney
    St. John's to Sydney
    245,000 BMO Rewards points
  • 7 nights - St. Lucia 5-star All Inclusive
    7 nights - St. Lucia 5-star All Inclusive
    250,000 BMO Rewards points
  • 2 week South Pacific Cruise
    2 week South Pacific Cruise
    260,000 BMO Rewards points
  • Montreal to Cape Town
    Montreal to Cape Town
    270,000 BMO Rewards points
  • Regina to Tibet
    Regina to Tibet
    307,000 BMO Rewards points
  • 1 year magazine subscription
    1 year magazine subscription
    6,500 BMO Rewards points
  • Fitness tracker
    Fitness tracker
    10,500 BMO Rewards points
  • 20 piece flatware set
    20 piece flatware set
    10,500 BMO Rewards points
  • Cheese board set
    Cheese board set
    10,000 BMO Rewards points
  • $50 gift card
    $50 gift card
    10,500 BMO Rewards points
  • Wireless Bluetooth audio system
    Wireless Bluetooth audio system
    13,000 BMO Rewards points
  • Digital kitchen scale
    Digital kitchen scale
    15,000 BMO Rewards points
  • Pearl fashion necklace
    Pearl fashion necklace
    15,500 BMO Rewards points
  • Indoor skydiving experience
    Indoor skydiving experience
    16,500 BMO Rewards points
  • Ladies fabric tote bag
    Ladies fabric tote bag
    18,000 BMO Rewards points
  • High performance multimedia speaker system
    High performance multimedia speaker system
    20,500 BMO Rewards points
  • Women's fragrance gift set
    Women's fragrance gift set
    21,500 BMO Rewards points
  • $100 gift card
    $100 gift card
    21,500 BMO Rewards points
  • Stoneware casserole dish
    Stoneware casserole dish
    23,500 BMO Rewards points
  • High performance in-ear headphones
    High performance in-ear headphones
    24,500 BMO Rewards points
  • Ladies weekender bag
    Ladies weekender bag
    26,500 BMO Rewards points
  • 8-cup food processor
    8-cup food processor
    28,000 BMO Rewards points
  • Men's designer sunglasses
    Men's designer sunglasses
    30,000 BMO Rewards points
  • Hard case spinner luggage
    Hard case spinner luggage
    32,000 BMO Rewards points
  • Waffle/omelette maker
    Waffle/omelette maker
    33,500 BMO Rewards points
  • Ionic ceramic hairdryer
    Ionic ceramic hairdryer
    34,500 BMO Rewards points
  • Compact drill/driver kit
    Compact drill/driver kit
    37,000 BMO Rewards points
  • Crystal wine glass set
    Crystal wine glass set
    39,000 BMO Rewards points
  • Wearable activity tracker
    Wearable activity tracker
    39,000 BMO Rewards points
  • Freshwater pearl earrings
    Freshwater pearl earrings
    44,000 BMO Rewards points
  • HD touchscreen e-reader
    HD touchscreen e-reader
    48,000 BMO Rewards points
  • High performance around-ear headphones
    High performance around-ear headphones
    52,000 BMO Rewards points
  • 3D 4K Smart Blu-ray player
    3D 4K Smart Blu-ray player
    52,500 BMO Rewards points
  • Panini press and skillet grill set
    Panini press and skillet grill set
    56,000 BMO Rewards points
  • Inn & Spa Getaway experience
    Inn & Spa Getaway experience
    59,000 BMO Rewards points
  • Portable Bluetooth speaker
    Portable Bluetooth speaker
    62,500 BMO Rewards points
  • Ladies designer watch
    Ladies designer watch
    65,000 BMO Rewards points
  • Noise cancelling headphones
    Noise cancelling headphones
    69,500 BMO Rewards points
  • Home coffee and espresso brewing system
    Home coffee and espresso brewing system
    70,000 BMO Rewards points
  • Stainless steel cookware set
    Stainless steel cookware set
    75,000 BMO Rewards points
  • Compact hard floor vacuum
    Compact hard floor vacuum
    78,000 BMO Rewards points
  • Designer leather tote bag
    Designer leather tote bag
    84,000 BMO Rewards points
  • Garment bag spinner luggage
    Garment bag spinner luggage
    86,500 BMO Rewards points
  • Self-programmable thermostat
    Self-programmable thermostat
    87,000 BMO Rewards points
  • 32-inch LED TV
    32-inch LED TV
    95,500 BMO Rewards points
  • Digital camera
    Digital camera
    99,500 BMO Rewards points
  • $500 gift card
    $500 gift card
    100,000 BMO Rewards points
  • Waterproof digital camera
    Waterproof digital camera
    104,500 BMO Rewards points
  • 3-piece hard side spinner luggage set
    3-piece hard side spinner luggage set
    113,500 BMO Rewards points
  • High velocity blender
    High velocity blender
    126,500 BMO Rewards points
  • Natural gas barbeque
    Natural gas barbeque
    129,500 BMO Rewards points
  • Professional grade blender
    Professional grade blender
    130,500 BMO Rewards points
  • 40 inch Smart HD TV
    40 inch Smart HD TV
    176,500 BMO Rewards points

BMO CashBack Mastercard

BMO AIR MILES World Elite Mastercard

BMO World Elite Mastercard

BMO AIR MILES Mastercard

BMO CashBack World Elite Mastercard

BMO Preferred Rate Mastercard

BMO Rewards Mastercard

BMO SPC CashBack Mastercard

BMO SPC AIR MILES Mastercard

BMO U.S. Dollar Mastercard

BMO Prepaid Travel Mastercard

BMO CashBack World Mastercard

BMO AIR MILES World Mastercard

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THIS CARD IS FOR YOU IF YOU WANT TO
Earn cash back and redeem the way you want2B
Earn AIR MILES at our highest rate and redeem Miles for travel, merchandise and more24
Earn BMO Rewards points at our highest rate and redeem points for travel, cash, gift cards merchandise and more24
Earn AIR MILES and redeem Miles for travel, merchandise and more24
Earn cash back at our highest rate and redeem the way you want2B
Save on interest charges with our lowest rate8.
Earn BMO Rewards points9B and redeem points for travel, cash, gift cards, merchandise and more
Earn cash back and redeem the way you want2B
Get SPC Discounts
Earn AIR MILES and redeem Miles for travel, merchandise and more24
Get SPC Discounts.
Shop in U.S. dollars. Avoid exchange rate surprises.
Have a secured payment card loaded with your money.
Earn cash back faster and redeem the way you want2B
Earn AIR MILES faster and redeem Miles for travel, merchandise and more24
ANNUAL FEE
No annual fee8
$1208
$1508
No annual fee8
$1208
$208
No annual fee8
No annual fee8
No annual fee8
U.S. $358
$6.958
$798
$998
WELCOME OFFER
Get up to 4% cash back‡‡ and a 1.99% introductory interest rate on Balance Transfers with a 1% transfer fee.§§
Get up to 3,000 AIR MILES Bonus Miles plus a Companion Flight rebate and we'll waive the $120 annual fee for the first year.
35,000 BMO Rewards welcome points and we'll waive the $150 annual fee for the first year1
Get 500 AIR MILES Bonus Miles, and 1.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee§
4% cash back on every purchase**
Get a 3.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee.
Get up to 20,000 BMO Rewards points1a and a 1.99% introductory interest rate on Balance Transfers with a 1% transfer fee.§§
4% cash back on every purchase††
500 Bonus Miles†*
Plus Get double the Miles on every purchase at participating AIR MILES Partners16D
US$35 annual fee rebate after spending $1,000 in the previous year21
N/A
N/A
N/A
REWARD RATE
1% Cash Back2B
1 Mile for $1016B
  • 3 points for $1 on eligible travel, dining and entertainment9A, 9B
  • 2 points for $1 everywhere else9B
Then get 2x the Miles for every $20 spent at participating AIR MILES Partners16C
Get 1 Mile for every $20 spent everywhere else16B.
1.5% cash back2B
N/A
1 BMO Rewards point for $19B
1% Cash Back2B
1 Mile for $2016B
N/A
N/A
1.25% cash back2A
1 Mile for $1516A
BONUS REWARDS
N/A
Earn 2x Miles17 at National and Alamo Rent a Car25
Earn 2 Bonus points10A at National Car Rental and Alamo Rent a Car
N/A
N/A
Earn double points10B at National and Alamo Rent a Car
N/A
  • Earn 1.25x Miles at Shell14
  • Earn 1.5x Miles17 at National and Alamo Rent a Car25
N/A
N/A
Earn 3% cash back at Shell20
  • Earn 1.25x Miles at Shell14
  • Earn 2x Miles12A at National and Alamo Rent a Car
AIRPORT LOUNGE ACCESS
N/A
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access26B, plus two annual complimentary passes
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access26A, plus four annual complimentary passes
N/A
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey26C
N/A
N/A
N/A
N/A
N/A
N/A
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey26C
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey26C
INSURANCE
N/A
Comprehensive Travel and Medical Protection up to 15 days36
Total Travel and Medical Protection up to 21 days46
N/A
  • Comprehensive Travel and Medical Protection38 up to 8 days
  • Roadside Assistance19
N/A
N/A
N/A
N/A
N/A
N/A
  • Travel Protection22
  • Roadside Assistance19
  • Travel Protection22
  • Roadside Assistance19
RATES
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
11.9% for purchases8
11.9% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
No Interest Rate8
N/A for cash advances8
19.99% for purchases8
22.99% for cash advances8
19.99% for purchases8
22.99% for cash advances8
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