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BMO Ascend World Elite Mastercard
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travel

BMO Ascend World Elite Mastercard

4.3

Welcome bonus

Up to 60,000 BMO Rewards points

  • 5x travel
  • 3x dining & entertainment
  • 3x recurring bills
Annual fee
$150
Interest rates

Purchases

20.99%

Cash advances

23.99%

Foreign transactions
2.5%

Rated by the CreditCardGuru Editorial Team

BMO's flagship travel card earns a strong 5x on travel and 3x on dining and bills, with lounge passes included. Best for BMO loyalists who book travel often.

At a glance

Annual fee
$150
Welcome bonus
$700
Foreign tx fee
2.5%
Network
MASTERCARD
Rewards
points
Purchase APR
20.99%

Rewards & earn rates

Travel5x
Dining & entertainment3x
Recurring bills3x
Everything else1x

Welcome offer: Up to 60,000 BMO Rewards points.

Pros & cons

Pros

  • High 5x on travel
  • Lounge passes included
  • Strong dining and bills categories

Cons

  • BMO Rewards worth less per point
  • $80k income requirement

Perks & insurance

Key perks

  • Airport lounge passes (Mastercard Travel Pass)
  • World Elite Mastercard benefits
  • Flexible BMO Rewards redemptions

Insurance

  • Travel emergency medical
  • Trip cancellation & interruption
  • Flight & baggage delay
  • Rental car collision/loss damage

Rates & fees

Annual fee
$150
Purchase interest
20.99%
Cash advance
23.99%
Foreign transactions
2.5%
Min. personal income
$80,000
Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team
Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but BMO can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on BMO's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and BMO's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with BMO. Trademarks belong to their respective owners.

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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

  • 200+ Canadian cards tracked
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Cite this page

“BMO Ascend World Elite Mastercard Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/bmo-ascend-world-elite, updated June 1, 2026.

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