BMO

by Anshul
a blue credit card on a table
BMO VIPorter World Elite®* Mastercard®* – Apply Now
a screen shot of a credit card
  • 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. Refer to the BMO page for up-to-date offer terms and conditions

BMO VIPorter Mastercard ®* – Apply Now

a card with a raccoon sitting on the ground

  • 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

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

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

a close-up of a credit card

  • Eligibility: Minimum $80,000 (individual) or $150,000 (household) annual income required.
  • Annual Fee: $150 (annual fee waived for 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: Up to 100,000 points; (Apply by Oct 31, 2026)
    • 45,000 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 open date when you spend a minimum of $20,000 on net card purchases within the first 12 months of account opening.
  • 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.
    • 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 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.*

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

BMO eclipse Visa Infinite Privilege* Card – Apply Now

a credit card with a chip

  • 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 open date, when you spend a minimum of $6,000 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 open date when you spend a minimum of $30,000 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 open date when you spend a minimum of $75,000 on net card purchases within the first 12 months of account opening.
  • Earn Rate: 
    • 5 points for every $1 spent on groceries, dining, drugstore purchases, gas and travel.*
    • 1  point for every $1 spent everywhere else.*
    • 25% more points when you add an authorized user to your account.*
  • Additional Benefits: 
    • $200 statement credit each annual period following a single purchase that is equal to or greater than $200 during the annual period.*
    • Up to $200 Nexus Statement credit in your first year*
    • Visa Airport Companion membership and 6 complimentary airport lounge visits per year*
    • 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 $1000*
    • Extended Warranty*
    • Purchase Protection*

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

BMO eclipse Visa Infinite* Card – Apply Now

a credit card with a chip and a chip

  • Eligibility: Minimum $60,000 (individual) or $150,000 (household) annual income required.
  • Annual Fee: $120 (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 70,000 BMO Rewards points;
    • 30,000 BMO Rewards welcome bonus points 110 days after the credit card account open 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 open 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 open 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*

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

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

a close-up of a credit card

  • 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: Apply by October 31, 2026
    • 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee*
    • $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.*

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

BMO Blue Rewards World Elite Mastercard®* — Apply Now

BMO Blue Rewards World Elite Mastercard

  • Welcome Bonus

The BMO Blue Rewards World Elite Mastercard®* is offering 100,000 Blue Rewards points broken down as follows* (apply by October 31, 2026):

    • 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*

If you joined the waitlist, you should expect an email from BMO with a special welcome offer of up to 115,000 points.

The spend requirement is certainly on the high side, but that’s par for the course these days, and we see a similar spend requirement on the BMO VIPorter cards.

Given the breakdown, the sweet spot is to spend $10,000 in the first six months (averaging only $1,667 per month) to earn 65% of the total points on offer. The last 35,000 points require maintaining the same spend level for another 6 months, but earning only 35% of the total welcome bonus.

  • Earn Rate

The earn rate is as follows:

      • 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*

You can see the full list of Blue Rewards partners here.

  • Perks & Insurance

There are two major perks that come with the World Elite version:

    • $200 NEXUS Statement Credit (in your first year)*
    • 4 complimentary lounge passes through DragonPass*

The BMO Blue Rewards World Elite comes with the full set of World Elite insurance perks. A neat inclusion is complimentary membership in the Dominion Automobile Association (DAA), which comes with BMO’s Roadside Assistance Program.

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

BMO Blue Rewards Mastercard®* — Apply Now

BMO Blue Rewards Mastercard

The BMO Blue Rewards Mastercard®* is offering 20,000 Blue Rewards points upon spending $1,500 in the first 110 days* (apply by October 31, 2026).

Those on the waitlist are eligible to earn up to 25,000 points, so keep an eye on your inbox.

The earn rate on the no-annual-fee version is exactly half what the World Elite offers:

  • 5 points per $1 spent at participating Blue Rewards partners*
  • 1 points per $1 spent on groceries, gas & EV charging, wholesale, and alcohol purchases*
  • 0.5 points per $1 spent on everything else*

Supplementary cardholders are also free and can help you earn rewards faster through their spending. As usual, only give supplementary cards to those you trust since your credit file is on the line.

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