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**BMO VIPorter World Elite®* Mastercard®* – Apply Now**

Eligibility: Minimum $80,000 (individual) or $150,000 (household) annual income required.
Annual Fee: $199 (annual fee waived for the first year* )
- Purchase Interest: 21.99%
- Cash Advance Interest: 23.99% (21.99% for Quebec residents)
Welcome Bonus Offer: Up to 70,000 VIPorter points;
- 20,000 points with $5,000 spend within the first 110 days after the account open date.
- 20,000 points + $0 Companion Pass (pay taxes and fees only) + $1000 Qualifying Status boost with $9000 spend within the first 180 days after the account open date.
- 30,000 points with $18,000 spend within the first 365 days after the account open date.
Earn Rate:
- 3 points for every $1 spent on Porter purchases.*
- 2 points for every $1 spent on transportation, gas, groceries, dining and hotel accommodations.*
- 1 point for every $1 spent on all other purchases.*
Additional Benefits:
- Priority check-in*, priority security screening, early boarding*, priority re-accommodation for flight delays*
- One complimentary checked bag and carry-on bag on all Porter fare types*
- Complimentary PorterClassic seat selection*
- Earn $1 of Avid Traveller Qualifying Spend for every $25 in eligible credit card spend.
- Annual round-trip Porter companion pass that gives an additional passenger flying on the same booking 100% off the base fare of any Porter flight when spending at least $50,000 annually on the card.
- Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
- Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool.*
- Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
Comprehensive Insurance Coverage*:
- Flight delay insurance
- 21-day out-of-province or country emergency medical insurance
- Car rental – collision / loss + damage insurance
- Common carrier insurance
- Baggage insurance
- Hotel burglary insurance
- Extended warranty and purchase protection

*Terms and conditions apply. 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. Refer to the BMO page for up-to-date offer terms and conditions

**BMO VIPorter Mastercard ®* – Apply Now**

Annual Fee: $89 (annual fee waived for first year*)
- Purchase Interest: 21.99%
- Cash Advance Interest: 23.99% (21.99% for Quebec residents)
Welcome Bonus Offer: Up to 40,000 VIPorter points;
- 10,000 points with $3,000 spend within the first 110 days after the account open date.
- 15,000 points + 35% flight discount voucher with $6000 spend within the first 180 days after the account open date.
- 15,000 points with $10,000 spend within the first 365 days after the account open date.
Earn Rate: Cardholders are automatically granted VIPorter Passport Avid Traveller membership benefits, which includes the following Earn structure;
- 2 points for every $1 spent on Porter purchases.*
- 1 point for every $1 spent on transportation, gas, groceries, dining and hotel accommodations.*
- 5 point for every $1 spent on all other purchases.*
Additional Benefits:
- Cardholders are automatically granted VIPorter Passport membership benefits, including;
  - 6 points for every $1 spent on Porter flights
  - Dedicated airport check-in*, priority security screening, early boarding*, priority re-accommodation for flight delays*
- Earn $1 of Avid Traveller Qualifying Spend for every $25 in eligible credit card spend.
- Annual voucher for 35% off the Base Fare on any Porter flights for up to four people when spending at least $25,000 annually on the card.
Insurance Coverage:
- 8-day out-of-province or country emergency medical insurance
- Car rental – collision / loss + damage insurance
- Common carrier insurance
- Flight delay insurance
- Baggage insurance
- Hotel burglary insurance

**BMO Ascend^TM World Elite®* Mastercard®* – Apply Now**

Eligibility: Minimum $80,000 (individual) or $150,000 (household) annual income required.
Annual Fee: $150 (annual fee waived for the first year* for both the primary cardholder and authorized users)
- Purchase Interest: 21.99%
- Cash Advance Interest: 23.99% (21.99% for Quebec residents)
Welcome Bonus Offer:
- Limited Time Offer: Up to 115,000 points
  - 60,000 points 110 days after the credit card account open date, when you spend $5,000 within the first 110 days after the account open date.
  - 20,000 BMO Rewards bonus points 180 days after the credit card account open date when you spend a minimum of $10,000 on net card purchases within the first 180 days of account opening.
  - 35,000 BMO Rewards bonus points 365 days after the credit card account opening date when you spend a minimum of $20,000 on net card purchases within the first 12 months of account opening.
- Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee*
Earn Rate:
- 5 points for every $1 spent on eligible travel purchases.*
- 3 points for every $1 spent on eligible dining, entertainment purchases and recurring bill payments.*
- 1 point for every $1 spent everywhere else.*
Additional Benefits:
- Up to $200 Nexus Statement credit in your first year*
- Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
- Up to $200: Instacart+ Membership & Monthly Credit:
  - Complimentary and Discounted Instacart+ Membership: The primary cardmember can activate this offer using your eligible Canadian BMO Credit Card by October 31, 2027 at 11:59 PM PT, and receive;
    - Six months of complimentary Instacart+ membership beginning on the date the offer is activated.
    - Promotional Instacart+ annual rate ($20 CAD off annual rate of $99 CAD/year) with auto-enroll during initial offer enrollment. This offer is valid for only one eligible premium Canadian BMO Credit Card per Instacart account
  - $10 Instacart Credit per Month: Primary cardmember can receive one $10 CAD credit in their Instacart account each month you have an active Instacart+ membership after you activate your complimentary BMO Instacart+ membership.
Insurance Coverage:
- Extended Warranty*
- Purchase Protection*
- BMO Ascend World Elite Total Travel and Medical Protection:
  - Collision Damage Waiver benefits on rental cars
  - 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*

**BMO eclipse Visa Infinite Privilege* Card – Apply Now**

Eligibility: Minimum $150,000 (individual) or $200,000 (household) annual income required.
Annual Fee: $599
- Purchase Interest: 21.99%
- Cash Advance Interest: 23.99% (21.99% for Quebec residents)
Welcome Bonus Offer: Up to 200,000 BMO Rewards points*
- 80,000 BMO Rewards welcome bonus points 110 days after the credit card account opening date, when you spend a minimum of $10,000 on net card purchases within the first 110 days of account opening
- 40,000 BMO Rewards bonus points 180 days after the credit card account opening date when you spend a minimum of $20,000 on net card purchases within the first 180 days of account opening
- 80,000 BMO Rewards bonus points 365 days after the credit card account opening date when you spend a minimum of $40,000 on net card purchases within the first 12 months of account opening
- Get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee.*
Earn Rate:
- 5 points for every $1 spent on groceries, dining, gas, travel, and health & wellness*
- 1 point for every $1 spent everywhere else*
- 25% more points when you add an authorized user to your account*
Additional Benefits:
- $200 Travel Credit* each annual period following a single airfare, hotel, or car rental purchase that is equal to or greater than $500 during the annual period
- Up to $200 Nexus Statement credit in your first year*
- Visa Airport Companion membership and 10 complimentary airport lounge visits per year*
- No Foreign Transaction Fees*
- Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
- Visa Infinite Dining Series and Visa Infinite Wine Country*
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card*
Insurance Coverage:
- Out-of-Province/Country Emergency Medical Insurance*
- Common Carrier Insurance*
- Car Rental Collision/Loss Damage Insurance*
- Trip Cancellation/Trip Interruption Insurance*
- Flight Delay and Baggage Insurance*
- Mobile Device Insurance of up to $1,000*
- Extended Warranty*
- Purchase Protection*

**BMO eclipse Visa Infinite* Card – Apply Now**

Eligibility: Minimum $60,000 (individual) or $150,000 (household) annual income required.
Annual Fee: $120 (annual fee waived for the first year)
- Purchase Interest: 21.99%
- Cash Advance Interest: 23.99% (21.99% for Quebec residents)
Welcome Bonus Offer: Up to 70,000 BMO Rewards points;
- 30,000 BMO Rewards welcome bonus points 110 days after the credit card account opening date, when you spend a minimum of $4,000 on net card purchases within the first 110 days of account opening.
- 20,000 BMO Rewards bonus points 180 days after the credit card account opening date when you spend a minimum of $7,000 on net card purchases within the first 180 days of account opening.
- 20,000 BMO Rewards bonus points 365 days after the credit card account opening date when you spend a minimum of $12,000 on net card purchases within the first 12 months of account opening.
Earn Rate:
- 5 points for every $1 spent on groceries, dining, gas and transit*
- 1 point for every $1 spent everywhere else.*
- 10% more points when you add an authorized user to your account.*
Additional Benefits:
- $50 statement credit each annual period following a single purchase that is equal to or greater than $50 during the annual period.
- $20 monthly streaming subscription credits in your first year*
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Insurance Coverage:
- Mobile Device insurance of up to $1000*
- Extended Warranty*
- Purchase Protection*

**BMO CashBack^® World Elite^®* Mastercard®* – Apply Now**

Eligibility: Minimum $80,000 (individual) or $150,000 (household) annual income required.
Annual Fee: $139 (Annual Fee waived for first year*)
- Purchase Interest: 21.99%
- Cash Advance Interest: 23.99% (21.99% for Quebec residents)
Welcome Offer:
- 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee*
- Up to $480 Welcome Offer Cashback – $40 Bonus Cash Back when you spend a minimum of $2,000 on net card purchases per billing cycle in the first twelve (12) billing cycles after the account open date.*
Earn Rate:
- 5% on groceries*
- 4% on transit, including ride-sharing, taxis and public transportation*
- 3% on gas and electric vehicle charging*
- 2% on recurring bill payments like your monthly phone bill or favourite streaming service*
- 1% back on all other purchases* (no limit)
Additional Benefits:
- Up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool.*
- Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
- Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing, a $75/year value.
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Insurance Coverage:
- Extended Warranty*
- Purchase Protection*
- BMO Cashback World Elite Total Travel and Medical Protection:
  - 8 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*

BMO Blue Rewards World Elite Mastercard^®* — Apply Now

Eligibility: Minimum $80,000 (individual) or $150,000 (household) annual income required.
Annual Fee: $150 (Annual Fee waived for first year*)
- Purchase Interest: 21.99%
- Cash Advance Interest: 23.99% (21.99% for Quebec residents)
Welcome Bonus: 115,000 Blue Rewards points * :
- 45,000 points upon spending $5,000 within the first 110 days*
- 20,000 points upon spending $10,000 within the first 180 days*
- 35,000 points upon spending $20,000 within the first 365 days*
- Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee*
Earn Rate:
- 10 points per $1 spent at participating Blue Rewards partners*
- 2 points per $1 spent on groceries, gas & EV charging, wholesale, and alcohol purchases*
- 1 point per $1 spent on everything else*
Additional Benefits:
- $200 NEXUS Statement Credit (in your first year)*
- 4 complimentary lounge passes through DragonPass*
- Get up to 15% off a Global Data Roaming plan and up to 3GB of data without any additional charges with FlexiRoam.*
- Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool.*
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Insurance Coverage:
- Out-of-province/out-of-country emergency medical insurance up to $5 million per insured person, per trip – up to 15 consecutive days.*
- Car rental collision/loss damage insurance*
- Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*
- Extended warranty and purchase protection*

BMO Ascend World Elite®* Business Mastercard®* – Apply Now

Eligibility: Must meet one of the following qualification criteria:
- Minimum personal income of $80,000
- Minimum household income of $150,000
- Minimum business revenue of $250,000
- Minimum Assets Under Management (AUM) of $400,000
Annual Fee: No annual fee for the first year* (Primary cardholder’s annual fee of $175 and the first two Additional Cards’ annual fee of $50 per card, issued for the same Business Borrower, if any, will be rebated in the first year and will appear as a fee and a credit on the primary cardholder’s first statement)
- Purchase Interest: 18.99%
- Cash Advance Interest: 23.99%
Welcome Bonus: 150,000 BMO Rewards points * :
- 50,000 points upon spending $10,000 within the first 110 days of account opening*
- 50,000 points upon spending $20,000 within the first 180 days of account opening*
- 50,000 points upon spending $30,000 within the first 365 days of account opening*
Earn Rate:
- 4 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments*
- 1.5 BMO Rewards points for every $1 you spend*
Additional Benefits:
- $200 NEXUS Statement Credit (in your first year)*
- 2 complimentary lounge passes through DragonPass*
- Get five virtual visits with a Canadian healthcare provider via Maple.*
- Get automatic rebates of 1% – 25% when you shop at qualifying merchants with Mastercard Easy Savings™.*
- Enjoy 30% off H&R Block’s DIY and Assisted Channels Tax Offerings.*
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Insurance Coverage:
- 15 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*
- Car rental collision/loss damage insurance*
- Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*
- Extended warranty and purchase protection*

BMO Blue Rewards World Elite®* Business Mastercard®* – Apply Now

Eligibility: Must meet one of the following qualification criteria:
- Minimum personal income of $80,000
- Minimum household income of $150,000
- Minimum business revenue of $250,000
- Minimum Assets Under Management (AUM) of $400,000
Annual Fee: No annual fee for the first year* (Primary cardholder’s annual fee of $175 and the first two Additional Cards’ annual fee of $50 per card, issued for the same Business Borrower, if any, will be rebated in the first year and will appear as a fee and a credit on the primary cardholder’s first statement)
- Purchase Interest: 20.99%
- Cash Advance Interest: 23.99%
Welcome Bonus: 150,000 BMO Rewards points* :
- 50,000 points upon spending $10,000 within the first 110 days of account opening*
- 50,000 points upon spending $20,000 within the first 180 days of account opening*
- 50,000 points upon spending $30,000 within the first 365 days of account opening*
Earn Rate:
- 12.5x Blue Points for every $1 spent at participating Blue Rewards Partners.*
- 2.5x Blue Points for every $1 spent on gas and electric vehicle (EV) charging.*
- 1.25 Blue Points for every $1 spent on everything else.*
Additional Benefits:
- Up to $200 NEXUS Statement Credit (in your first year)*
- 4 complimentary lounge passes through DragonPass*
- Get five virtual visits with a Canadian healthcare provider via Maple.*
- Unlock up to 35% off base rates on your next car rental with Avis and Budget when you prepay at booking.*
- Get automatic rebates of 1% – 25% when you shop at qualifying merchants with Mastercard Easy Savings™.*
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Insurance Coverage:
- 15 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*
- Car rental collision/loss damage insurance*
- Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*
- Extended warranty and purchase protection*

BMO VIPorter World Elite®* Mastercard®* – Apply Now

BMO VIPorter Mastercard ®* – Apply Now

BMO AscendTM World Elite®* Mastercard®* – Apply Now

BMO eclipse Visa Infinite Privilege* Card – Apply Now

BMO eclipse Visa Infinite* Card – Apply Now

BMO CashBack® World Elite®* Mastercard®* – Apply Now

BMO Blue Rewards World Elite Mastercard®* — Apply Now