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Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz Mastercard BMO BMO Ascend ™ World Elite ® * Mastercard ® * 4.3 Genius Rating 2.3 (53) User reviews $125 GeniusCash + Up to 90,000 100,000 bonus points + 4 free lounge passes per year. * Unforgettable travel experiences start with BMO's premium flexible travel credit card! Get up to 90,000 100,000 bonus points , and earn 5 points per $1 spent on travel, 3 points per $1 spent on dining, entertainment, and recurring bills, and 1 point per $1 spent on all other purchases. $150.00 $0 Annual fee 1st year waived $670 ◊ Welcome bonus 100,000 points $262 ◊ Annual rewards GC Ends: Dec 31, 2025 Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure. GC: $125 I Want This Deal Add to wallet Credit estimate:  (300 - 559) Instant approval: Yes Mastercard BMO BMO Ascend ™ World Elite ® * Mastercard ® * GC: $125 4.3 Genius Rating 2.3 (53) User reviews I Want This Deal Add to wallet $125 GeniusCash + Up to 90,000 100,000 bonus points + 4 free lounge passes per year. * Unforgettable travel experiences start with BMO's premium flexible travel credit card! Get up to 90,000 100,000 bonus points , and earn 5 points per $1 spent on travel, 3 points per $1 spent on dining, entertainment, and recurring bills, and 1 point per $1 spent on all other purchases. $150.00 $0 Annual fee 1st year waived $670 ◊ Welcome bonus 100,000 points $262 ◊ Annual rewards GC Ends: Dec 31, 2025 Credit estimate:  (300 - 559) Instant approval: Yes Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Monthly Spending: $ View Breakdown Pros & Cons Your Rewards Compare Cards Details and Eligibility Insurance Coverage Genius Rating Our Review Key Benefits User Reviews (53) Pairs Well With Pros & cons Pros Up to 90,000 100,000 bonus points. 4 lounge passes in Mastercard Travel Pass. 14 types of insurance included. Up to 5 points per $1 spent on purchases. Save up to 7 cents per litre at Shell. Cons Low point value of 0.67 cents per point. High income requirements of either $80,000 personal or $150,000 household. Your rewards $125 GeniusCash offer On approval, receive $125 GeniusCash on us when you apply for BMO Ascend World Elite Mastercard using this offer page . GeniusCash offer expires on Dec 31, 2025 . $125 Getting your welcome bonus Based on $2,000 in monthly spending, you can get up to 100,000 points which translates to an estimated $670 . ◊ For all welcome bonus details click here . Welcome bonus offer ends Jan 31, 2026 . How you earn rewards Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With BMO Ascend World Elite Mastercard , here's how you earn rewards: 5 points per $1 spent on travel 3 points per $1 spent on dining , entertainment , and recurring bills 1 point per $1 spent on all other purchases For all reward details click here . How much your rewards are worth The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For BMO Ascend World Elite Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose: Travel $262   Investments $262 Experiences $254   Gift Cards $219 Merchandise $211   Travel $262 Investments $262 Experiences $254 Gift Cards $219 Merchandise $211 Learn more about the BMO Rewards Program. This card doesn't offer any rewards. Rewards Points Calculator Enter your rewards balance to calculate how much your points are worth. Review your redemption options and recommendations to get the most value. Reward Program AAdvantage Aeroplan Air Miles Alaska Airlines Mileage Plan Avianca LifeMiles American Express Membership Rewards BMO Rewards British Airways Executive Club Cathay Pacific Asia Miles Flying Blue Desjardins BONUSDOLLARS CIBC Aventura Rewards Delta SkyMiles MBNA Rewards Marriott Bonvoy More Rewards Porter VIPorter Plum Rewards Journie Rewards MyMcDonald's Rewards National Bank A La Carte Rewards PC Optimum Qatar Airways Privilege Club Avion Rewards (Elite) Rexall BeWell Scene+ TD Rewards Tims Rewards United MileagePlus WestJet Rewards Triangle Rewards Avion Rewards (Premium) Points Balance Our recommendations: Use your points for Travel, and Investments to get the most value. $7 Avoid using points for Merchandise as this gives you the lowest value. $5 Using your points for Travel, and Investments instead of Merchandise will save you $1 . Point Values Redemption Option Point Value Total Value Travel 0.67 cents $7 Investments 0.67 cents $7 Experiences 0.65 cents $7 Gift Cards 0.56 cents $6 Merchandise 0.54 cents $5 Redemption Options Travel Redeem points for travel from any provider $7 Investments Turn points into deposits for select BMO investment accounts $7 Experiences Experiences from various providers $7 Gift Cards Assortment on gift cards from many retailers $6 Merchandise Wide assortment of merchandise $5 Calculating your annual rewards $24,000 annual spending x 1.09% return on spending = $262 annual rewards $262 annual rewards − $150.00 annual fee = $112 net annual rewards Details and eligibility Do I qualify? Estimated Credit Score 300 - 559 Personal Income $80,000 Household Income $150,000 Canadian resident who has reached the provincial age of majority. Fees Annual Fee $150.00 First Year Free Yes Extra Card Fee $50 Card type Credit Interest rates Purchase 21.99% Cash Advance Δ 23.99% Balance Transfer Δ 23.99% Δ Cash advance interest rate for Quebec residents is 21.99%. Balance transfer interest rate for Quebec residents is 21.99%. Insurance coverage Extended Warranty 1 year Purchase Protection 90 days Travel Accident $500,000 Emergency Medical Term 21 days Emergency Medical Maximum Coverage $5,000,000 Trip Cancellation $1,500 Trip Interruption $2,000 Flight Delay $500 Baggage Delay $500 Lost or Stolen Baggage $500 Personal Effects $750 Hotel Burglary $1,000 Rental Car Theft & Damage Yes Rental Car Accident $200,000 Rental Car Personal Effects $1,000 Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply. Learn more about the value of credit card insurance coverage. Genius Rating BMO Ascend World Elite Mastercard's 4.3 Genius Rating is based on the weighted average of the following scores: Rewards 1.6 Fees 2.7 Insurance 4.1 Interest 1.8 Perks 2.8 Approval 4.9 Acceptance 5.0 User Reviews 2.3 Methodology All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features. Learn more about our rating methodology. Top cards from BMO GC: $150 BMO CashBack ® World Elite ® * Mastercard ® * Exclusive: Up to $480 bonus cash back + First year fee waived. * GC: $150 BMO eclipse Visa Infinite * Card Exclusive : Up to $637 in value + 5x points on gas & groceries. * GC: $150 BMO AIR MILES ® † World Elite ® * Mastercard ® * Up to 9,000 bonus AIR MILES + 3x the AIR MILES at partners. * BMO Ascend World Elite Mastercard review Written by creditcardGenius Team   Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. If you are looking for flexible rewards and one of the best insurance packages on the market, the BMO Ascend World Elite Mastercard should be on your shortlist. Here are the full details on this BMO credit card. In this article Earning rewards with the BMO Ascend World Elite Mastercard 3 benefits to the BMO Ascend World Elite Mastercard 2 downsides to the BMO Ascend World Elite Mastercard Comparison to the BMO eclipse Visa Infinite FAQ Earning rewards with the BMO Ascend World Elite Mastercard You'll be earning BMO Rewards points on every purchase you make with this BMO Mastercard – a flexible rewards program where you can redeem your points in a variety of ways. Welcome bonus BMO gives you a valuable incentive to sign up, worth up to 100,000 points. You'll earn 100,000 points after spending $4,500 in the first 3 months and $2,500 every month for the next 12 months. 100,000 BMO Rewards points are worth up to $670 in travel rewards. To sweeten the deal, BMO will give you the first year free. Earning BMO Rewards on every purchase On top of the bonus, you’ll be earning 1 BMO Reward points for every $1 spent on the card, plus 3 BMO Rewards points for every $1 spent on dining, recurring bills. and entertainment up to $10,000 annually combined. And on travel, you'll earn 5 points per $1 spent, on up to $3,000 in annual spend. Redeeming BMO Rewards Unlike some rewards, BMO Rewards are flexible and can be used for all kinds of things. Here are your main redemption options, and what each point is worth. Redemption Option Value in cents per point (CPP) Travel 0.67 CPP Investments 0.67 CPP Experiences 0.65 CPP Gift Cards 0.56 CPP Merchandise 0.54 CPP Statement Credits 0.5 CPP Redeeming for travel is your best value, as you'll get 0.67 cents per point. One thing to note, however, is that you'll need to book your travel through the BMO travel agency. On the plus side, they do price match – so as long as you do your homework, you could get a good deal. Plus, you can book right through their website. At this value, you're getting a return of at least 1.34%, with a maximum of 2%. Read our detailed review about the BMO Rewards program here . 3 benefits to the BMO Ascend World Elite Mastercard Beyond earning rewards, what are some other benefits to the BMO Ascend World Elite Mastercard? Here are 3 things we like about it. 1. Membership in Mastercard Travel Pass with 4 free passes Want some airport lounge access? This card offers a membership to Mastercard Travel Pass , and also includes 4 free passes. Once you've used your 4 passes, each visit will cost US$32. 2. BMO travel insurance Next, we have the insurance. More specifically, travel insurance. The BMO Ascend World Elite Mastercard has one of the best insurance packages out there. 14 different types of travel and purchase insurance which includes rare coverage for: 21 days of emergency medical, $2,000 of trip interruption fees, and $750 of personal effects coverage that covers all your belongings for the entire duration of your trip – not just while you’re in transit! (In the credit card world, that is a pretty big deal.) Rest assured knowing that you'll be covered in case something unexpected happens on your travels. 3. World Elite Mastercard perks This World Elite Mastercard card also comes with typical World Elite perks: Priceless Cities, World Mastercard Experiences, and 24/7 concierge. What else is offered as part of the World Elite program? You can find out more here . 2 downsides to the BMO Ascend World Elite Mastercard There are some downsides to this credit card. Here are 2 things to be mindful of. 1. High annual fee First, the card has a relatively high annual fee of $150, more than the typical $120 fee premium credit cards charge. You'll get the first year free, however, allowing you to take the card for a test drive. 2. High income requirements As a World Elite Mastercard, it also has high income requirements: $80,000 personal, or $150,000 household. This requirement will put the card out of the reach of many. Want more information? Our full blog review covers every detail of this card. Comparison to the BMO eclipse Visa Infinite There's a new BMO Rewards card on the block – the BMO eclipse Visa Infinite * Card. Here's how these credit cards compare in a few areas. BMO Ascend World Elite Mastercard BMO eclipse Visa Infinite Welcome bonus 100,000 points ( terms ) 70,000 points ( terms ) Annual fee $150 (waived for the first year) $120 (waived for the first year) Rewards * 5 points per $1 spent on travel * 3 points per $1 spent on dining, entertainment, and recurring bills * 1 point per $1 spent on all other purchases * 5 BMO Rewards points for every $1 spent on dining, groceries, gas, and transit * 1 point per $1 spent on all other purchases Average Earn Rate 1.09% 1.61% Insurance coverages 14 types 6 types Special features * Access to Mastercard Travel Pass and 4 free passes * World Elite Mastercard benefits * $50 annual lifestyle credit * 10% bonus rewards when you add an authorized user Income requirements * Personal: $80,000 * Household: $150,000 * Personal: $60,000 * Household: $100,000 So which is better? That all depends on what you're after. In terms of rewards, the eclipse Visa Infinite is ahead. Based on our typical $2,000 monthly spend, it has a higher average earn rate of 1.61%. When looking at the special features of each card, which is better depends on what you want. The BMO eclipse has the annual $50 lifestyle credit, and bonus rewards when you add an authorized user. The BMO Ascend World Elite offers airport lounge access, and also includes double the amount of insurance coverages. Truth be told, you can't go wrong with either of these BMO credit cards. To summarize As a premium travel credit card, the BMO Ascend World Elite Mastercard not only offers rewards, but top notch insurance coverage, as well as premium perks. FAQ What does the BMO Ascend World Elite Mastercard earn for rewards? Part of the BMO Rewards program, the BMO Ascend World Elite Mastercard earns 5 points per $1 spent on travel, 3 points per $1 spent on dining, bills, and entertainment, and 1 point per $1 spent on all other eligible purchases. What can BMO Rewards be used for? BMO Rewards are flexible rewards points that can be used for many things, including travel, gift cards, statement credits, and merchandise. What is the welcome bonus worth with the BMO Ascend World Elite Mastercard? The BMO Ascend World Elite welcome bonus is worth up to 100,000 points. 100,000 BMO Rewards points are worth $670 when redeemed for travel. Key benefits Get a signup bonus of 55,000 points when you spend $4,500 in the first 3 months and get the first year free. Get 3,750 points for each subsequent month in which you make at least $2,500 in purchases for 12 months, for a maximum of 45,000 points (100,000 total with the signup bonus). Flexible rewards that can be redeemed for travel, merchandise, gift cards, and even investments. Earn 5 BMO Rewards points on all travel purchases. Earn 3 BMO Rewards points for every $1 spent on recurring bills, dining, and entertainment up to $50,000 annually combined. Earn 1 BMO Reward points for every $1 spent on all other purchases. With 14 different types of insurance, enjoy one of the most extensive credit card insurance packages out there. Save up to 7 cents per litre on fuel at Shell when you link your BMO card and AIR MILES accounts together. Show more... Offer Terms BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. User review s 2.3 out of 5 Reviewed by 53 Canadian s Add Review 5 stars 15% 4 stars 11% 3 stars 15% 2 stars 9% 1 stars 49% Add Review Do you own this card? I have it I canned it × How good is this card overall? × Rate the application process: Rate the customer service: Thank you for your review! Hang tight while we verify and approve it. If you want to see your review right away... Create an account: Name * Email * Password * Password requirements: At least 8 characters long At least one lower case letter At least one upper case letter At least one number At least one special character Password confirmed Password best practices Please send me credit card deals, news, reviews, and tips directly to my inbox. It only takes one click to unsubscribe. By clicking the button below, you agree to our Privacy Policy and Terms and Conditions .   Login Bred L 16 days ago 1 I will probably cancel the card. I went on a trip to Europe and used this card extensively, but about 2/3 of the travel expenses were not considered "eligible travel expense" either for the purchase (5 points back) or redemptions (1.3x value). The quoted 5 points quickly turned into 1 point and the value went from 0.67% to 0.5% per point. The dinning was also just 3 points (1.5%-2% value back) which I can get better elsewhere. The lounge pass was not valuable as thought. I hit some major airports and could use the passes at only a few lounges and about 1/2 were not in my terminal. One lounge closed their waitlist at 125 people and an estimated 4 hour wait was expected. I see more value elsewhere, even with a lower annual fee. William 2 months ago 1 BMO stopped allowing PAD payments from other banks. I spent enough to collect the welcome bonus and then cancelled it. Adam 3 months ago 1 They stopped allowing pre-authorized payments from other banks. Now you need a BMO bank account to make an automatic payment. Their support is also in South America. Davin 10 months ago 1 great - everything else I write is to meet the minimum 60 characters Yoon 10 months ago 1 Worst experience ever. I did not receive my welcome bonus because I used the card to pay property tax. I even paid some extra fee for that but BMO said it does not count. All other cards treat tax payment as usual. 1 2 3 4 5 6 7 8 9 10 Pairs well with... GC: $120 Tangerine ® Money-Back World Mastercard ® * $120 bonus cash back * + No annual fee. * GC: $20 MBNA True Line ® Mastercard ® 0% on balance transfers for 12 months (3% fee) + No annual fee. * Scotiabank Value Visa Card Low permanent interest rates of 13.99% + First year free. * CIBC Select Visa * Card 0% on balance transfers for 10 months + First year fee rebate. * GC: $20 BMO CashBack ® Mastercard ® * Up to 5% cash back + No annual fee. * BMO Preferred Rate Mastercard ® * 0.99% on balance transfers for 9 months + Very low interest rates. * GC: $125 BMO eclipse rise Visa * Card Up to 25,000 bonus points + No annual fee. * MBNA True Line ® Gold Mastercard ® Low interest rates of 10.99% + Low annual fee. * GC: $100 MBNA Rewards World Elite ® Mastercard ® (QC) Up to 20,000 bonus points + Annual bonus worth up to 15k points. * MBNA Smart Cash ® World Mastercard ® (QC) 5% on gas and groceries for 6 months + Up to 2% cash back on all purchases. * About creditcardGenius creditcardGenius is a smart credit card matchmaker that compares 126+ features of 227+ credit cards, with objective ratings, rankings and reviews. 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Resources Review Your Card Credit Card FAQ Sliders Credit Card Quiz Company About Careers Scholarship Disclosure Help Contact GeniusCash Report Bug   Privacy Policy | Terms | Security Province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nunavut Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon Copyright © 2025 WeyMedia Inc. 200 Champlain St. Suite 210, Dieppe, NB E1A 1P1 ◊ The creditcardGenius algorithm, based on our Rating Methodology , calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates . "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Read our detailed disclosure about how CCG makes money. Never miss a deal Unlock VIP-access to exclusive GeniusCash deals, credit card offers, and the biggest money news. Bonus : Get our 250+ page money-saving eBook for free. We promise to keep your email safe. We hate spam too. Unlock my deals Glad we could help you choose the right credit card for you. Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Glad we could help you choose the right credit card for you. Before you continue your application ... Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Latest Updates $150 GeniusCash + 0.5% extra cash back Up to 5% cash back on essentials Avg of 5% back at Neo's retail partners Get the Neo World Elite Mastercard * Personal Loans vs. Credit Cards – What's the Difference Your Guide To DragonPass Lounges Financing For Students – From Student Credit Cards To Student Loan Services $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . *