Terms & Conditions


1a. The 10,000 BMO Rewards welcome bonus points offer is limited to new BMO Rewards Mastercard accounts. Applications must be received between September 2, 2022 and July 31, 2023 (“Offer Period”) to be eligible for this offer. Receive 10,000 BMO Rewards points when you spend a minimum of $1,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months from the account open date. 10,000 BMO Rewards points will be credited to your Collector Account within three (3) business days following the qualifying $1,000 spend. This offer is not available to current or former BMO Rewards Mastercard cardholders who reinstate a closed account or open a new account. If a cardholder cancels their account within ninety (90) days from the account open date the welcome bonus will be cancelled. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. Offer may be changed without notice.

Pay with points: Pay with Points is one of the redemption options available to BMO Rewards cardholders. Cardholders can visit bmorewards.com to redeem their points to cover transactions made in the last 30 days by the primary cardholder. The cardholder is required to have enough points for $1 minimum redemption. Redemptions can be made for the full amount of the transaction or only a portion. Pay with Points won’t be available for transactions posted to the account for more than 30 days. Transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services. To redeem points, log into your BMO Rewards Account through bmorewards.com. Points will be redeemed up to the full amount of your Eligible Purchase or the cash value of your points, whichever is less. Only the Primary Cardholder is authorized to log into the BMO Rewards Account and redeem points. Point redemptions are reflected as soon as the next business day in your BMO Rewards Account and, on a monthly basis, as credits on your monthly statement.
Note: Point redemptions do not count towards your monthly minimum payment. You are responsible for paying the minimum amount which appears on your monthly account statement.

  1. BMO Ascend World Elite Mastercard applications must be received between January 6, 2022 and July 31, 2023 (the “Offer Period”) to be eligible for this offer. 30,000 BMO Rewards points will be applied to your BMO Rewards Collector Account after you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. 30,000 BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the qualifying $3,000 spend. Receive an additional 2,500 BMO Rewards bonus points for each subsequent month during which at least $2,000 in net purchases are posted to your account by the last day of the applicable monthly billing period. The additional monthly BMO Rewards bonus points will be earned only for the period beginning 4 months from the account open date and ending 15 months from the account open date. BMO Rewards monthly bonus points will be credited to your Collector Account within seven (7) business days following the qualifying $2,000 monthly spend. Account must be in good standing at the time the points are credited to receive the monthly spend bonus. The primary cardholder annual fee of $150 will be rebated in the first year and will appear as a fee and a credit on the primary cardholders first statement. Each Additional Card annual fee of $50 will be rebated in the first year if added to the account within three (3) statement cycles from the account open date. Each Additional Card’s annual fee of $50 will appear as a fee and a credit on the statement for the statement period during which each authorized user was respectively added to the account. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. This offer is not available to current or former BMO Ascend World Elite Mastercard cardholders who reinstate a closed account or open a new account during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.

    Pay with points: Pay with Points is one of the redemption options available to BMO Rewards cardholders. Cardholders can visit bmorewards.com to redeem their points to cover transactions made in the last 30 days by the primary cardholder. The cardholder is required to have enough points for $1 minimum redemption. Redemptions can be made for the full amount of the transaction or only a portion. Pay with Points won’t be available for transactions posted to the account for more than 30 days. Transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services. To redeem points, log into your BMO Rewards Account through bmorewards.com. Points will be redeemed up to the full amount of your Eligible Purchase or the cash value of your points, whichever is less. Only the Primary Cardholder is authorized to log into the BMO Rewards Account and redeem points. Point redemptions are reflected as soon as the next business day in your BMO Rewards Account and, on a monthly basis, as credits on your monthly statement.
    Note: Point redemptions do not count towards your monthly minimum payment. You are responsible for paying the minimum amount which appears on your monthly account statement.

    • A. Offer is cumulative over the statement period. Award of CashBack rewards is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the CashBack Rewards Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of CashBack rewards will be rounded down to the nearest cent. *Conditions: CashBack World Mastercard: With the BMO CashBack World Mastercard card, you will only earn CashBack rewards on your account up to a maximum monthly spend of $7,000.

    • B. Offer is cumulative over the statement period. Award of CashBack rewards is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the CashBack Rewards Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of CashBack rewards will be rounded down to the nearest cent.

    • C. Earn 3% cash back on Grocery Store purchases up to a maximum of $500 spent per statement cycle period. The 3% cash back includes the base earn rate of 0.5% cash back for card purchases (“Base Rewards”) and the bonus of 2.5% cash back for Grocery Store Purchases (“Bonus Rewards”). To earn Bonus Rewards, your Grocery Store Purchase must be made at merchants classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411). BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will BMO be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. To consult the list of participating merchants, please call the number on the back of your card.

    • D. Earn 1% cash back on Recurring Bill Payments up to a maximum of $500 spent per statement cycle period. The 1% cash back includes the base earn rate of 0.5% cash back for card purchases (“Base Rewards”) and the bonus of 0.5% cash back for Recurring Bill Payments (“Bonus Rewards”). Recurring bill payments are defined as payments made on a monthly or regular basis, and which are automatically billed by the merchant to your BMO CashBack Mastercard. Not all merchants offer recurring payments, and not all ongoing payments will be considered “recurring bill payments” and therefore may not earn Bonus Rewards. Please check with your merchant to see if your recurring payment qualifies.

    • E. Receive 0.5% unlimited cash back on non-grocery and non-recurring bill payment purchases, and on grocery purchases and recurring bill payment purchases that exceed the $500 maximum spend per statement period.

  2. BMO Rewards redemptions are subject to fees and charges. For details, please see the fees, charges, and pricing policy in the BMO Rewards Terms and Conditions as well as the Important Information about BMO Mastercard cards enclosure.
  3. BMO Rewards points will not expire as long as the BMO Ascend World Elite Mastercard card or BMO Rewards Mastercard account (each hereafter referred to in this paragraph as the "Account") remains open and in good standing, except as described in the section of the BMO Rewards Terms & Conditions, which deals with the program termination. On cancellation of the Account, a cardholder will have 90 days in which to do either of the following: (i) redeem the points earned for one or more rewards; or (ii) reinstate the points by either reinstating the Account or opening a new Account and linking the points account that was attached to the cancelled Account to the new Account. After the ninety day period, unless the points are reinstated, any points that remain in the points account will expire. For details, please refer to the BMO Rewards Terms and Conditions for further details.
  4. Not applicable.
  5. Please refer to your BMO Mastercard or BMO Prepaid Travel Mastercard Cardholder Agreement for more information on the unauthorized use of your card.
  6. Not applicable.
  7. Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions and Mastercard cheques. For current rates and fees, visit your branch; or, for Mastercard products call the Customer Contact Centre at 1-800-263-2263, for the BMO eclipse Visa Infinite* Card call 1-833-256-7136, for the BMO eclipse Visa Infinite Privilege* Card call 1-833-265-7137. To review current rates and fees for the BMO Prepaid Mastercard, visit bmo.com/rates-fees-prepaid, for all other credit cards visit bmo.com/rates-fees.
  8. A. You will earn 5 BMO Rewards points for every $1 spent on eligible travel purchases, up to $15,000 annually per BMO Rewards collector account (resets January 1st of each calendar year). The 5 BMO Rewards points includes the base earn rate of 1 BMO Rewards point for every $1 spent on card purchases (“Base Rewards”) and the bonus of 4 BMO Rewards points for every $1 spent on eligible travel purchases (“Bonus Rewards”). To earn Bonus Rewards, your purchases must be made at merchants that are classified in the Mastercard network as: airlines, car rental agencies, hotels/resorts, cruise lines, passenger railways, tour operators, timeshares, and travel agencies (“Applicable Merchants”). If you exceed $15,000 in combined annual purchases, you will continue to earn the Base Rewards. You will earn 3 BMO Rewards points for every $1 spent on eligible dining and entertainment purchases, as well as recurring bill payments, up to $10,000 annually for each spend category, per BMO Rewards collector account (resets January 1st of each calendar year). The 3 BMO Rewards points includes the base earn rate of 1 BMO Rewards point for every $1 spent on card purchases (“Base Rewards”) and the bonus of 2 BMO Rewards points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments (“Bonus Rewards”). To earn Bonus Rewards, your purchases must be made at merchants that are classified in the Mastercard network as: dining: eating places, restaurants, drinking places, fast food restaurants and entertainment including motion picture theatres, theatrical producers, ticket agencies, bands, orchestras and miscellaneous entertainers, tourist attractions and exhibits, amusement parks, carnivals, circuses, aquariums, dolphinariums, zoos and seaquariums (“Applicable Merchants”). Recurring bill payments are defined as payments made on a monthly or regular basis, and which are automatically billed by the merchant to your BMO Ascend World Elite Mastercard. Not all merchants offer recurring payments, and not all ongoing payments will be considered “recurring bill payments” and therefore may not earn Bonus Rewards. Please check with your merchant to see if your recurring payment qualifies. If you exceed $10,000 in annual purchases for each spend category, you will continue to earn the Base Rewards. You will not earn the bonus BMO Rewards points on recurring bill payments that are also eligible travel, dining, or entertainment purchases. Some merchants may sell the same or similar products/services as the Applicable Merchants or are separate merchants who are located on the premises of the Applicable Merchants, but are classified by Mastercard in another manner (“Other Merchants”). You will only earn Base Rewards for purchases made at Other Merchants.

    B. Subject to the BMO Rewards Terms and Conditions, BMO Rewards points are calculated based on purchases of goods or services charged to the BMO Ascend World Elite Mastercard or the BMO Rewards Mastercard account, less any refunds or adjustments, rounded down to the nearest whole point. Cash advances (including purchases of foreign currency or travellers cheques), interest charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to the account with the card, do not qualify for points. Bank of Montreal may establish other qualifying and non-qualifying transactions from time to time.
  9. Not applicable.
  10. Important details are contained in the booklet that will follow under separate cover with your BMO Mastercard. Insurance benefits provided by Chubb Insurance Company of Canada.
  11. Not applicable
  12. Exclusive 25% Flight Booking Discount: If you have the BMO AIR MILES World Elite Mastercard, once per calendar year when you redeem Reward Miles for any flight booking, you will receive a 25% discount on the number of AIR MILES Reward Miles that are usually required (to a maximum of 750 Reward Miles) when you book through airmiles.ca or by calling 1-888-247-6453. The flight booking discount applies to the full flight booking and will be distributed equally on each ticket included in the booking, to a maximum of 750 Miles total. For example, if your booking included three 1,500 Miles flights totalling 4,500 Miles, then each flight would receive a 250 Miles discount, and you’d be required to redeem 3,750 Miles for the booking. Any portion of the maximum 750 allocated discounted Miles unused in the one eligible flight booking transaction will be forfeited. You can choose when to apply the discount – for example, on your first flight booking in the calendar year; or save it to apply on another flight booking later in the year – but it can only be used once per calendar year with no carry-overs allowed to the following year. For greater clarification, the 25% flight booking discount resets every calendar year and cannot be accumulated over the years. This benefit can only be reset for the collector to use in the same calendar year if the original booking where the benefit was used is cancelled under all of the following conditions: (i) the booking was cancelled in full (not for partial cancellations; i.e., one ticket), (ii) the cancellation happens within the same year of booking, and (iii) the airline issues a full refund for the booking. This benefit does not apply to Cash + Miles rewards. There are no blackout periods for flight redemptions. This benefit does not apply to the cash portion of the flight redemption (such as airport improvement fees and booking fees) or to the flight component of package vacations and cruises. This benefit cannot be combined with any other offer. Flight rewards offered are subject to the terms and conditions of the AIR MILES Reward Program, are subject to change, and may be withdrawn without notice. To use your Miles for flight rewards, you must have accumulated sufficient Dream Miles in your collector account. Some restrictions apply. Collectors must pay applicable surcharges, fees and taxes on flight rewards. Flight rewards may be subject to a minimum advance booking and availability from participating airlines. Changes, cancellations and refunds to flight tickets will follow the fare rules of the booking airline and may be subject to additional fees. For complete details, see current Program Terms and Conditions available at airmiles.ca.
  13. Offer is cumulative over the statement period. Reward miles will be earned on purchases made at participating Shell locations in Canada (including, Beaver, Turbo and Payless) to a maximum of $2,500 in any monthly billing period. The number of reward miles will be rounded down to the nearest whole number. Fractions of reward miles will not be awarded.
  14. Earn Miles twice when you use your BMO AIR MILES Mastercard and show your AIR MILES Card at AIR MILES Partners. The amount of Miles you earn depends on the earn rate offered by the AIR MILES Partner and the earn rate offered on your BMO AIR MILES credit card.
    • A. Offer is cumulative over the statement period. Award of Miles is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. *Conditions: AIR MILES World Mastercard: With the BMO AIR MILES World Mastercard card, you will only earn Miles on your account up to a maximum monthly spend of $7,000.
    • B. Offer is cumulative over the statement period. Award of Miles is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.
    • C. BMO AIR MILES Mastercard cardholders will earn 3 AIR MILES Reward Miles for every $25 in purchases at participating AIR MILES Partners. Participating AIR MILES Partners may be added or removed at any time without notice, visit airmiles.ca/3xMiles for Partner details. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES Partners. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). The “3x the Miles” benefit is available on eligible purchases and may be withdrawn or changed at any time without notice.
  15. BMO AIR MILES Mastercard cardholders will earn 1 AIR MILES Bonus Mile for every $25 in purchases made at eligible grocery merchants classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411) starting August 1, 2022 to earn 2 total Miles including the base earn rate. Grocery purchases at participating AIR MILES Partners will be not be eligible for this offer; however, they will continue to earn the “3x the Miles” benefit. For a list of current participating partners, please visit airmiles.ca/BMOpartners. Bonus Miles will be earned on eligible grocery purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will BMO be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your AIR MILES Collector account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.
  16. BMO AIR MILES World Elite Mastercard cardholders will earn 1 AIR MILES Bonus Mile for every $12 in purchases made at eligible grocery merchants classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411) starting August 1, 2022 to earn 2 total Miles including the base earn rate. Grocery purchases at participating AIR MILES Partners will be not be eligible for this offer; however, they will continue to earn the “3x the Miles” benefit. For a list of current participating partners, please visit airmiles.ca/BMOpartners. Bonus Miles will be earned on eligible grocery purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will BMO be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.
  17. With the BMO CashBack World Mastercard and BMO CashBack World Elite Mastercard, you will receive a free membership in the Dominion Automobile Association (DAA) and the benefits of their BMO Roadside Assistance Program (Basic Coverage). Membership terms and the features of the plan are described in the Certificate you will receive. DAA requires that BMO provide any information reasonably required solely for the purpose of confirming that you are covered by the Program.
  18. You will earn bonus CashBack rewards for purchases made at participating Shell locations in Canada to a monthly maximum of $2,500 in Shell purchases in any monthly billing period. CashBack rewards will be rounded down to the nearest cent.
  19. One year is the twelve-month period between annual fee-billing dates. If you qualify for the rebate, a credit equal to the annual fee will appear on the same statement in which your annual fee is billed.
  20. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO World MasterCard Travel Protection Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch) except Common Carrier Accidental Death and Dismemberment Insurance provided by Chubb Insurance Company of Canada. For questions related to Accidental Death and Dismemberment you may contact Chubb's administrator at 1-800-337-2632 or visit www.chubb.com. For questions on the remaining benefits you may contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca.
  21. Subject to credit availability and verification of identity. Cash advance fees will apply.
  22. All rewards are subject to the terms and conditions of the AIR MILES Reward Program and are subject to change and may be withdrawn without notice. Some restrictions apply. Quantities may be limited. Flights are based on the AIR MILES Reward Program Low Season schedule. Required number of reward miles is determined by the departure date. All reward miles quoted are for round-trip travel. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air travel Rewards. Travel Rewards may be subject to a minimum 2-day advance booking and availability from participating Suppliers. Additional flight options may be offered requiring additional reward miles. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888-247-6453 (in Toronto 416-226-5171).
  23. The contract ID number (3717122 for National Car Rental and 7014883 for Alamo Rent A Car) must be included when making a car rental reservation to receive discounts. Discount applies to base rate only at participating National Car Rental and Alamo Rent A Car locations. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges (including GST), license and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge and optional items (such as LDW up to US $30 per day) are extra. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice.
    • A. Mastercard Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Ltd. This benefit will be available to all cardholders of a BMO Ascend World Elite Mastercard (“eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at mastercardtravelpass.dragonpass.com or on the Mastercard Travel Pass mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating lounge must present their Mastercard Travel Pass mobile app or membership document showing the QR code and DragonPass membership number (this may be obtained by the eligible cardholder by registering an account at mastercardtravelpass.dragonpass.com or downloading the Mastercard Travel Pass application from the app store) to the lounge receptionist and reference “Mastercard Travel Pass provided by DragonPass.” Value and benefits of the Mastercard Travel Pass complimentary membership are subject to change without notice. Use the four complimentary passes for yourself as the primary cardholder or to cover the cost of the lounge visit of your travelling companion. To identify the primary cardholder on your account, please check the name on your monthly statement. After using four passes, you and your travelling companion can continue to enjoy lounge access for a fee of just US$32 per person, per visit. For a complete list of open and eligible lounges, please visit mastercardtravelpass.dragonpass.com.
    • B. Mastercard Travel Pass benefit includes membership to participating lounges within the Mastercard Travel Pass provided by DragonPass program – approximate membership value of US$68. Enjoy lounge access for a fee of just US$32 per person, per visit. Mastercard Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Ltd. This benefit will be available to all cardholders of a BMO AIR MILES World Mastercard, BMO Cashback World Mastercard, BMO AIR MILES World Elite Mastercard or BMO Cashback World Elite Mastercard (all “eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at mastercardtravelpass.dragonpass.com or on the Mastercard Travel Pass mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating lounge must present their Mastercard Travel Pass mobile app or membership document showing the QR code and DragonPass membership number (this may be obtained by the eligible cardholder by registering an account at mastercardtravelpass.dragonpass.com or downloading the Mastercard Travel Pass application from the app store) to the lounge receptionist and reference “Mastercard Travel Pass provided by DragonPass.” Some offers may be subject to a per-person, per-visit charge. Where applicable and dependent upon the offer, access charges, including those for an accompanying guest, may be charged to your credit card. Value and benefits of the Mastercard Travel Pass complimentary membership are subject to change without notice.
    • C. Cardholders must enroll for this benefit, either through the Mastercard Travel Pass App (available to download for free) or on the Program Website (mastercardtravelpass.dragonpass.com) using a valid Canadian issued BMO World or World Elite Mastercard.
  24. All flight options shown are estimates only. Actual number of BMO Rewards points required varies based on the retail price of the ticket available at the time of booking.
  25. Not applicable.
  26. You can transfer funds from your BMO bank account to your BMO Prepaid Travel Mastercard immediately through BMO Telephone, Online and Mobile Banking. Making a bill payment to your BMO Prepaid Travel Mastercard at a BMO ATM from your BMO bank account may take up to two (2) days to process. Other financial institutions that currently allow bill payments to your BMO Prepaid Travel Mastercard include: RBC Royal Bank, Scotiabank, CIBC, PC Financial, HSBC and Laurentian Bank, ATB (Alberta Treasury Board) and TelPay. Please check directly with your financial institution to find out if you can load funds to your BMO Prepaid Travel Mastercard. If your financial institution does not support bill payments to your BMO Prepaid Travel Mastercard, visit a BMO branch to open a deposit account. The minimum amount you can load into the account is CDN$100. The maximum amount you can load into the account is CDN$10,000. The maximum credit balance on the account, including any additional cards, is CDN$10,000.
  27. Please refer to your BMO Mastercard or BMO Prepaid Travel Mastercard Cardholder Agreement for more information on the unauthorized use of your card.
  28. Please contact the service team directly to set up automatic monthly payments from your BMO Chequing Account.
  29. Membership terms and the features of the plan are described in the certificate that you will receive. Dominion Automobile Association requires BMO to provide any information reasonably required for the sole purpose of confirming that you are covered by the Program.
  30. This service is GST applicable (registration # 10039-0095) for clients residing in MB, SK, BC, AB, NU, YT, & NT. This service is GST (registration # 10039-0095) and QST (registration # 1000042494) applicable for customers residing in Quebec. This service is HST applicable for clients residing in PEI, ON, NB, NS, & NL.
  31. Mastercard contactless is available on most personal BMO credit cards. Mastercard contactless is not available at this time on BMO Affinity Mastercard cards, BMO Prepaid Travel Mastercard cards, BMO Mastercard for Business cards and BMO Harris Private Banking Mastercard cards. For more information, call the Customer Contact Centre at 1-800-263-2263.
  32. All benefits described herein are subject to EXCLUSIONS AND LIMITATIONS. Benefits are reduced to Life insurance only at the age of 70. Please refer to your Certificate of Insurance for details of your coverage.
  33. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO AIR MILES World Elite Travel and Medical Protection Certificate of Insurance, which is sent to new cardholders. Out-of-Province/Out-of-Country Emergency Medical benefits are available to cardholders under the age of 65. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  34. Subject to terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch). For questions contact Allianz Global Assistance at 1-877-704-0341 or visit www.allianz-assistance.ca.
  35. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance, which is sent to new cardholders. Out-of-Province/Out-of-Country Emergency Medical benefits are available to cardholders under the age of 65. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  36. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Common Carrier Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Chubb Insurance Company of Canada.
  37. Subject to terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  38. BMO Credit Card Balance Protection Enhanced is underwritten by American Bankers Insurance Company of Florida (ABIC) and American Bankers Life Assurance Company of Florida (ABLAC) under group master policy numbers 1020BPE and 1020BPEL. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Please refer to the Certificate of Insurance for further details on terms and conditions.
  39. Subject to terms and conditions, including additional limitations and exclusions, contained in the Certificate of Insurance, which is sent upon enrollment. Please refer to the Certificate for further details. BMO Mastercard insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  40. Not applicable.
  41. Mastercard contactless is available on most personal BMO credit cards. Mastercard contactless is not available on BMO Prepaid Travel Mastercard cards and select affinity credit cards. For more information, call the Customer Contact Centre at 1-800-263-2263.
  42. Redeem AIR MILES reward miles in the Cash balance of your Collector Account in-store in increments of ninety-five (95) reward miles for $10 off your purchases at participating AIR MILES Sponsor locations to a maximum of $750 per day and online at airmiles.ca/cash in increments of ninety-five (95) reward miles for every $10 value from participating AIR MILES eVoucher Partners to a maximum of $750 per day. eVouchers can be used at participating eVoucher Partners' locations in Canada only. See specific eVoucher reward page for details and any restrictions. Visit airmiles.ca/cash to learn more. You must have accumulated sufficient reward miles in the Cash balance of your Collector Account to redeem reward miles towards in-store purchases and eVouchers. All rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.
  43. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Ascend World Elite Mastercard Total Travel & Medical Protection Certificate/Policy of Insurance, which is sent to new cardholders. Out-of-Province/Out-of-Country Emergency Medical benefits are available to cardholders under the age of 65. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch) except Common Carrier Accidental Death and Dismemberment Insurance provided by Chubb Insurance Company of Canada. For questions related to Accidental Death and Dismemberment you may contact Chubb's administrator at 1-800-337-2632, or visit www.chubb.com. For questions on the remaining benefits you may contact the administrator Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca.
  44. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Ascend World Elite 31 Day Medical Protection Certificate of Insurance, which is sent to new cardholders. Out-of-Province/Out-of-Country Emergency Medical benefits are available to cardholders under the age of 75. Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  45. As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 15% off admission to Cirque du Soleil shows touring Canada. 15% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Valid on available seats. Sales are final, no refunds or exchanges. May not be combined with any other offer or promotion. Not valid on previous purchased tickets. While quantities last.
  46. As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 20% off on resident shows in Las Vegas. 20% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Offer valid for selected performances and seating. Subjected to availability. Cannot be combined with any other offer discount. Offer is not valid for previously purchased tickets. Tickets subject to applicable Live Entertainment Tax, service fees, and delivery fees. Sales are final, no refunds or exchanges.
  47. Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details.
  48. One-time cash back redemption amounts must be equal or greater than $1 and will be deposited 2 - 5 business days following the date the deposit is requested. Automatic recurring cash back redemption amounts must be equal or greater than $25 and will be deposited 2 - 5 business days following the customer’s statement cycle date when an existing cash back balance is equal of greater than $25. Bank deposits require accurate account details.
  49. BMO eclipse Visa Infinite Privilege applications must be received between January 6, 2022 and July 31, 2023 (the “Offer Period”) to be eligible for this offer. 50,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $6,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. 50,000 BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the qualifying $6,000 spend. Receive an additional 40,000 BMO Rewards points twelve (12) months after the Credit Card account open date after you spend a minimum of $100,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first twelve (12) months after the account open date), as long your account is in good standing at the time you qualify for the additional points. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.
  50. The accelerated earn rate is 5 BMO Rewards points (as applicable) per $1 charged to the Account for purchases made in Canada at merchant locations classified as travel, grocery, dining, drugstore and gas. Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “air fare”, “hotel”, “car rental”, “grocery”, “dining”, “drugstore” or “gas” category. The accelerated earn rate applies to the first $100,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, which can be calculated from January 1st to December 31st each year. Once the cardholder exceeds this threshold, the cardholder will continue earning points at the regular earn rate of 1 point per $1 in purchases. BMO Rewards points will not be posted to an Account that is not in good standing when the purchases are made or when a statement is issued, or to an Account that is not open when the statement is issued.
  51. As an introductory feature, primary cardholders that add a supplementary card to their account will receive a 25% bonus earn rate to their existing card accelerator. This benefit will be available for transactions made both by the primary customer and its authorized user(s). The benefit will be present in the account until BMO communicates to the primary cardholder that the benefit will be discontinued. Refer to the following eligibility criteria for supplementary cardholders: Authorized User is at least 13 years of age; Primary account must be activated before authorized user is added; Authorized User must have a Canadian address where they can receive correspondence if required; Authorized User is not being requested in the name of the primary cardholder; Authorized User is not already on the account; Account has less than 9 Authorized Users; Authorized User being added is not in a Business Name. This offer is subject to change.
  52. Customers will be eligible to receive a $200 statement credit each year (annual period starts on January 1st of every year). The Account will be credited within two statement cycles after making a purchase that is equal to or greater than the total amount of the statement credit on the Account, provided the Account is open and in good standing at the time of payout. Statement credit is awarded at the account level once per year which means it may appear on either the primary or supplementary cardholder’s statement. This offer is subject to change.
  53. The earn rate for purchases at merchants not classified as air fare, hotel, car rental, gas, grocery, drugstore, or dining is 1 BMO Rewards point (as applicable) per $1 charged to the Account. For the accelerated earn rate, transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.
  54. BMO eclipse Visa Infinite Privilege Card cardholders have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Both primary and secondary cardholders must enroll for this benefit separately, either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using a valid Canadian issued Visa Infinite Privilege Card. Membership includes access to participating lounges within the Visa Airport Companion Program – approximate value calculated based on DragonPass Classic membership fee and cost of airport lounge visits. Upon enrollment, 6 complimentary lounge visits will be available for the Cardholder per membership year; the complimentary visits can be used by the Cardholder for themselves and for their accompanying guests at participating lounges. All additional visits beyond the complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access charges will be billed to the Visa Infinite Privilege Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (e.g. when the Cardholder enrolled for the Program). To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program, please visit the Program App or Website. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor BMO is responsible for any claims or damages arising from participation in the Program.
  55. You must be an eligible Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege Airport Benefits & Services. Visa Infinite Privilege Airport offer is subject to availability. Discounts and benefits are non-transferable. Discounts cannot be combined with any other offer or discount. Benefits and services only apply to select Canadian airports. Visa reserves the right to modify or cancel this offer at any time and without notice. For more information please visit www.visainfinite.ca/privilege.
  56. For full program terms and conditions please visit www.visaluxuryhotelcollection.com. When you book through the Visa Infinite Luxury Hotel Collection you will automatically enjoy the following seven exclusive benefits: Best Available Rate Guarantee, automatic room upgrade upon arrival when available, 3PM check-out when available, complimentary continental breakfast, free in-room internet, $25 food or beverage voucher, VIP Guest Status.
  57. The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Privilege Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Privilege Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Privilege Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite Privilege card.
  58. Offers are available to Visa Infinite and Visa Infinite Privilege cardholders only. Limit of 6 tickets per cardholder, and tickets are subject to availability. Go to visainfinite.ca for tickets, which may be refunded, at the cardholder’s request, up to 4 days before the event date. Cancellations made less than 4 days prior to the event date are non-refundable. Events may be modified or cancelled, by Visa, in whole or in part at any time, for any reason, without prior notice or liability to any person. Advertised chefs and sommeliers may change without notice. Seating requests and special dietary restrictions and allergies will be considered when requested at booking, but cannot always be accommodated. Please drink responsibly. Venues are not conducive to young children.
  59. Eligible Visa Infinite and Visa Infinite Privilege cardholders must be legal drinking age to participate in this benefit. Reservations are mandatory for the wineries that are flagged by a star [*] on visainfinite.ca/privilege. Please contact the winery directly for reservations, hours of operation, blackout dates and other details. Tours, tastings, selection of merchandise, including wine, may be subject to availability. Eligible Visa Infinite and Visa Infinite Privilege must be presented at winery and used for any program-related purchases. Wine experiences may be modified or cancelled, by Visa or wineries, in whole or in part at any time, for any reason, without prior notice or liability to any person. Please drink responsibly. Venues are not conducive to young children.
  60. You must be an eligible Canadian Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege Troon® Golf Benefit. The Visa Infinite Privilege Troon Golf Benefit may be cancelled if your Visa Infinite Privilege card is cancelled. By reserving through Troon, the cardholder consents to be bound by all the terms and conditions, as stated herein through the Visa Infinite Privilege Troon Golf Benefit, as well as the Troon Rewards® Terms and Conditions and the Troon Privacy Policy. Troon, Visa and its Issuers, or any of its Concierge providers, are not responsible for any claims or damages arising from this offer. Troon and Visa reserve the right to modify or cancel this benefit at any time without notice.
  61. Pay with Points is one of the redemption options available to BMO Rewards cardholders. Cardholders can visit bmorewards.com to redeem their points to cover transactions made in the last 30 days by the primary cardholder. The cardholder is required to have enough points for $1 minimum redemption. Redemptions can be made for the full amount of the transaction or only a portion. Pay with Points won’t be available for transactions posted to the account for more than 30 days. Transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.
  62. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the BMO eclipse Visa Infinite Privilege* Card Certificates of Insurance booklet that is sent to new cardholders. Out-of-Province/Country Emergency Medical Insurance provides coverage for the first 22 consecutive days of each trip for cardholders under the age of 65, or for the first 3 consecutive days of each trip for cardholders age 65 or older. All Insurance coverages are provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  63. BMO eclipse Visa Infinite applications must be received between January 6, 2022 and July 31, 2023 (the “Offer Period”) to be eligible for this offer. 30,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. 30,000 BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the qualifying $3,000 spend. Receive an additional 2,500 BMO Rewards bonus points for each subsequent month during which at least $2,000 in net purchases are posted to your account by the last day of the applicable monthly billing period. The additional monthly BMO Rewards bonus points will be earned only for the period beginning 4 months from the account open date and ending 15 months from the account open date. BMO Rewards monthly bonus points will be credited to your Collector Account within seven (7) business days following the qualifying $2,000 monthly spend. Account must be in good standing at the time the points are credited to receive the monthly spend bonus. The primary cardholder annual fee of $120 will be rebated in the first year and will appear as a fee and a credit on the primary cardholders first statement. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. Offer does not apply to the Additional Card annual fee. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.
  64. The accelerated earn rate is 5 BMO Rewards points (as applicable) per $1 charged to the Account for purchases made in Canada at merchant locations classified as gas, grocery, transit, and dining. Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery”, “dining”, or “transit” category. The accelerated earn rate applies to the first $50,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, which can be calculated from January 1st to December 31st each year. Once the combined cardholder spend exceeds this threshold, they will continue earning points at the regular earn rate of 1 point per $1 in purchases. BMO Rewards points will be posted to the primary cardholder’s account, provided the Account is open and in good standing when the purchases are made and when the statement is issued.
  65. As an introductory feature, primary cardholders that add a supplementary card to their account will receive a 10% bonus earn rate to their existing card accelerator. This benefit will be available for transactions made both by the primary cardholder and its authorized user(s). Refer to the following eligibility criteria for supplementary cardholders: Authorized User is at least 13 years of age; primary account must be activated before Authorized User is added; Authorized User must have a Canadian address where they can receive correspondence if required; Authorized User is not being requested in the name of the primary cardholder; Authorized User is not already on the account; account has less than 9 Authorized Users; Authorized User being added is not in a Business Name. This offer is subject to change.
  66. Customers will be eligible to receive a $50 statement credit each year (annual period starts on January 1st of every year). The Account will be credited within two statement cycles after making a purchase that is equal to or greater than the total amount of the statement credit on the Account, provided the Account is open and in good standing at the time of payout. Statement credit is awarded at the account level once per year, meaning it may appear on either the primary or supplementary cardholder’s statement. This offer is subject to change.
  67. The earn rate for purchases at merchants not classified as gas, grocery, transit, or dining is 1 BMO Rewards point (as applicable) per $1 charged to the Account. For the accelerated earn rate, transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.
  68. The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite card.
  69. You must be an eligible Canadian Visa Infinite cardholder with a valid Visa Infinite card to take advantage of the Visa Infinite Troon Golf Benefit. The Visa Infinite Troon Golf Benefit may be cancelled if your Visa Infinite card is cancelled. By reserving through Troon, the cardholder consents to be bound by all the terms and conditions, as stated herein through the Visa Infinite Troon Golf Benefit, as well as the Troon Rewards® Terms and Conditions and the Troon Privacy Policy. Troon, Visa and its Issuers, or any of its Concierge providers, are not responsible for any claims or damages arising from this offer. Troon and Visa reserve the right to modify or cancel this benefit at any time without notice.
  70. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the BMO eclipse Visa Infinite* Card Certificates of Insurance booklet that is sent to new cardholders. Out-of-Province/Country Emergency Medical Insurance provides coverage for the first 15 consecutive days of each trip for cardholders under the age of 65. All insurance coverages are provided by Allianz Global Risks US Insurance Company (Canadian Branch).
  71. 3x the Miles: BMO AIR MILES World Elite Mastercard cardholders will get 3 AIR MILES Reward Miles for every $12 in purchases at participating AIR MILES Partners. Participating AIR MILES Partners may be added or removed at any time without notice, visit airmiles.ca/BMOpartners for Partner details. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Miles awarded will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). The “3x the Miles” benefit is available on eligible purchases and may be withdrawn or changed at any time without notice.
  72. Earn 5% cash back on the first $500 you spend on grocery purchases per statement cycle period and 1% unlimited cash back thereafter. The 5% cash back includes the base earn rate of 1% cash back for card purchases (“Base Rewards”) and the bonus of 4% cash back for grocery purchases (“Bonus Rewards”). To earn Bonus Rewards, grocery purchases must be made at merchants classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411). In no event will BMO (“Bank of Montreal”) be liable or responsible for any claims with respect to a grocery purchase made to a merchant that is not classified by MCC 5411.
  73. Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of March 1, 2022.
  74. Earn 4% cash back on the first $300 you spend on ground transportation purchases per statement cycle period and 1% unlimited cash back thereafter. The 4% cash back includes the base earn rate of 1% cash back for card purchases (“Base Rewards”) and the bonus of 3% cash back for ground transportation purchases (“Bonus Rewards”). To earn Bonus Rewards, ground transportation purchases must be made through merchants classified by Mastercard's "Merchant Category Code" as "Transportation – Suburban and Local Commuter Passenger including Ferries" (MCC 4111), “Passenger Railways” (MCC 4112), “Taxicabs and Limousines” (MCC 4121), “Bus Lines” (MCC 4131) or “Transportation Services not elsewhere classified” (MCC 4789). In no event will BMO(“Bank of Montreal”) be liable or responsible for any claims with respect to a ground transportation purchase made to a merchant that is not classified by MCC 4111, MCC 4112, MCC 4121, MCC 4131 or MCC 4789.
  75. Earn 3% cash back on the first $300 you spend on automobile and vehicle fuel purchases per statement cycle period and 1% unlimited cash back thereafter. The 3% cash back includes the base earn rate of 1% cash back for card purchases (“Base Rewards”) and the bonus of 2% cash back for automobile and vehicle fuel purchases (“Bonus Rewards”). To earn Bonus Rewards, automobile and vehicle fuel purchases must be made through merchants classified by Mastercard's "Merchant Category Code" as "Service Stations" (MCC 5541), “Automated Fuel Dispenser” (MCC 5542) or “Electric Vehicle Charging” (MCC 5552). In no event will BMO(“Bank of Montreal”) be liable or responsible for any claims with respect to an automobile and vehicle fuel purchase made at a merchant that is not classified by MCC 5541, MCC 5542 or MCC 5552.
  76. Earn 2% cash back on the first $500 you spend in recurring bill payments per statement cycle period and 1% unlimited cash back thereafter. The 2% cash back includes the base earn rate of 1% cash back for card purchases (“Base Rewards”) and the bonus of 1% cash back for recurring bill payments (“Bonus Rewards”). Recurring bill payments are defined as payments made on a monthly or regular basis, and which are automatically billed by the merchant to your BMO CashBack World Elite Mastercard. Not all merchants offer recurring payments, and not all ongoing payments will be considered “recurring bill payments” and therefore may not earn Bonus Rewards. Please check with your merchant to see if your recurring payment qualifies. You will not earn the 1% bonus cash back on Recurring Bill Payments that are also eligible grocery, transit or gas and electric vehicle charging purchases as classified by Mastercard’s “Merchant Category Code” and are subject to the bonus capping rules of eligible grocery, transit or gas and electric vehicle charging purchases.
  77. BMO eclipse Visa Infinite applications must be received between January 6, 2022 and July 31, 2023 (the “Offer Period”) to be eligible for this offer. 40,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. The 40,000 BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the qualifying $3,000 spend. Receive an additional 2,500 BMO Rewards bonus points for each subsequent month during which at least $2,000 in net purchases are posted to your account by the last day of the applicable monthly billing period. The additional monthly BMO Rewards bonus points will be earned only for the period beginning 4 months from the account open date and ending 15 months from the account open date. BMO Rewards monthly bonus points will be credited to your Collector Account within seven (7) business days following the qualifying $2,000 monthly spend. Account must be in good standing at the time the points are credited to receive the monthly spend bonus. The primary cardholder annual fee of $120 will be rebated in the first year and will appear as a fee and a credit on the primary cardholders first statement. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. Offer does not apply to the Additional Card annual fee. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.
  78. BMO Ascend World Elite Mastercard applications must be received between January 6, 2022 and July 31, 2023 (the “Offer Period”) to be eligible for this offer. The 40,000 BMO Rewards points will be applied to your BMO Rewards Collector Account after you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. 40,000 BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the qualifying $3,000 spend. Receive an additional 2,500 BMO Rewards bonus points for each subsequent month during which at least $2,000 in net purchases are posted to your account by the last day of the applicable monthly billing period. The additional monthly BMO Rewards bonus points will be earned only for the period beginning 4 months from the account open date and ending 15 months from the account open date. BMO Rewards monthly bonus points will be credited to your Collector Account within seven (7) business days following the qualifying $2,000 monthly spend. Account must be in good standing at the time the points are credited to receive the monthly spend bonus. The primary cardholder annual fee of $150 will be rebated in the first year and will appear as a fee and a credit on the primary cardholders first statement. Each Additional Card annual fee of $50 will be rebated in the first year if added to the account within three (3) statement cycles from the account open date. Each Additional Card’s annual fee of $50 will appear as a fee and a credit on the statement for the statement period during which each authorized user was respectively added to the account. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. This offer is not available to current or former BMO Ascend World Elite Mastercard cardholders who reinstate a closed account or open a new account during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.

    Pay with points: Pay with Points is one of the redemption options available to BMO Rewards cardholders. Cardholders can visit bmorewards.com to redeem their points to cover transactions made in the last 30 days by the primary cardholder. The cardholder is required to have enough points for $1 minimum redemption. Redemptions can be made for the full amount of the transaction or only a portion. Pay with Points won’t be available for transactions posted to the account for more than 30 days. Transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services. To redeem points, log into your BMO Rewards Account through bmorewards.com. Points will be redeemed up to the full amount of your Eligible Purchase or the cash value of your points, whichever is less. Only the Primary Cardholder is authorized to log into the BMO Rewards Account and redeem points. Point redemptions are reflected as soon as the next business day in your BMO Rewards Account and, on a monthly basis, as credits on your monthly statement.
    Note: Point redemptions do not count towards your monthly minimum payment. You are responsible for paying the minimum amount which appears on your monthly account statement.

  79. Statement based on a comparison of the redeemable value of the non-promotional travel rewards points earned on premium flexible Canadian credit cards as of May 3, 2022. “Flexible” is defined as points earned when you purchase travel anywhere and “premium” refers to cards with an annual fee of ≤ $150 or has an income requirement of ≤ $150,000 annual individual income.
  80. An administration fee (plus taxes), if applicable, will apply for each flight order. Flight offer applies only to Reward Miles used to order select flights updated on airmiles.ca.
  81. Quantities may be limited. Collector status merchandise offer applies to Reward Miles used to order select merchandise rewards updated on airmiles.ca.
  82. Collector status flight and merchandise offers cannot be combined with any other offers such as Travel Specials and Deals of the Week. AIR MILES reserves the right to offer flights and merchandise at an equivalent or lesser number of Miles to all collectors.
  83. AIR MILES Gold and Onyx collectors have the option of CASH + MILES at checkout when booking on AIR MILES Hotels + Cars where they can redeem 50% of the Miles quoted and pay for the balance on a credit card.
  84. Please see full Personal shopper service terms and conditions.
  85. Effective October 4, 2021, Onyx collectors enjoy automatic Shell Go+ membership status and have access to the corresponding benefits until December 31, 2022. If you qualify for Onyx collector status between October 4, 2021 and December 31, 2021, your access to Shell Go+ membership may take up to 30 days from the date you qualify. If you qualify for Onyx between January 1, 2022 and December 31, 2022 and have transacted at Shell in the past 12 months, your access to Shell Go+ membership may take up to 24 hours of your Onyx collector status qualification. If you qualify for Onyx between January 1, 2022 and December 31, 2022 and have not transacted at Shell in the past 12 months, you must make an eligible purchase to earn at least one Reward Mile and show your AIR MILES card at Shell to access Shell Go+ membership, which may take up to 48 hours after the purchase transaction. Shell Go+ membership is subject to the Shell Go+ terms and conditions which can be found at shellgoplus.ca.
  86. BMO AIR MILES Mastercard cardholders enjoy automatic AIR MILES Gold collector status and have access to the corresponding benefits as long as they remain a BMO AIR MILES Mastercard cardholder (“Partner Designation”). Should their BMO AIR MILES Mastercard cardholder status terminate, then requalification for Gold collector status is based on their collection of 1,000 eligible Reward Miles in a calendar year. Should they qualify for Onyx collector status based on their collection of 6,000 eligible Miles in a calendar year, then the Onyx collector status supersedes the Partner Designation. Eligible Miles are collected in connection with qualifying purchases made at participating AIR MILES partners; see the partner listing section on airmiles.ca. Certain Miles do not count towards the minimum eligible Miles requirement (“Exclusions”). Exclusions include, but are not limited to, refunded Miles, transferred Miles, any Miles collected through an employee incentive program, and Miles collected in connection with any specifically excluded offer. Partner Designation is determined by AIR MILES in its sole discretion. AIR MILES Gold collector status qualification requirements and benefits are subject to change at any time and without notice. See airmiles.ca/gold for the most up to date information.
  87. Cardholders of the BMO AIR MILES World Elite Mastercard, BMO AIR MILES Business Mastercard and BMO AIR MILES Small Business World Elite Mastercard (“Eligible Cardholders”) enjoy automatic AIR MILES Onyx collector status and have access to the corresponding benefits as long as they remain Eligible Cardholders (“Partner Designation”). Should their Eligible Cardholder status terminate, then requalification for Onyx collector status is based on their collection of 6,000 eligible Reward Miles in a calendar year. Eligible Miles are collected in connection with qualifying purchases made at participating AIR MILES partners; see the partner listing section on airmiles.ca. Certain Miles do not count towards the minimum 6,000 eligible Mile requirement (“Exclusions”). Exclusions include, but are not limited to, refunded Miles, transferred Miles, any Miles collected through an employee incentive program, and Miles collected in connection with any specifically excluded offer. Partner Designation is determined by AIR MILES in its sole discretion. AIR MILES Onyx collector status qualification requirements and benefits are subject to change at any time and without notice. See airmiles.ca/onyx for the most up to date information.