BMO Ascend™ World Elite®* Mastercard®*
3.1/5
Up to 90,000 points and first annual fee waived*
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly's algorithm factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, etc.)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Rebate + 25% Referral Bonus
Take advantage of Finly's exclusive rebate offer. Earn even more by sharing your unique referral link for a 25% bonus. Learn more about the Finly referral program.
What's on this Page
Card Details
Based on $2,000 spending
First Year Value
$683.63
$157.13 in years after
Annual Rewards
$307.13
BMO Rewards
First Year Bonus
$301.5
BMO Rewards
Finly Rebate
Annual Fee
$150
$0
First Year Waived
First Year Value
$683.63
$157.13 in years after
Interest Rates
Purchase: 21.99%
Cash Advance: 23.99%□
Balance Transfer: 23.99%
□ Cash advance rate for Quebec residents is 21.99%
Annual Fee
$150
$0
First Year Waived
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
Welcome Bonus
Get up to 90,000 points and the annual fee waived in your first anniversary for both the primary cardholder and authorized users.*
Our Rating
3.1/5
Institution
BMO
Rewards
- 5x points per $1 spent on eligible travel purchases (up to $15,000 spent)
- 3x points per $1 spent on eligible dining, recurring bill payment and entertainment purchases (up to $10,000 spent per category)
- 1x point per $1 spent on all other eligible purchases
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Double up to 1 year
Emergency Out of province Medical
$5M up to 21 days
Travel Accident
$500,000/person
Trip Interruption
$2K/person, $10K/trip
Trip Cancellation
$1,500/person, $5K/trip
Flight Delay
$500 after 4 hoursBaggage Delay
$500/person, $1K/trip
Lost or Stolen Baggage
$500/person, $1K/trip
Hotel Burglary Insurance
$1,000.svg)
Car Rental Damage & Theft
$65,000 up to 48 days
Benefits
Details
Airport Lounge - Dragon Pass
4 complimentary visits
Discount
Up to 7% discount on Booking.com prepaid hotel or property rental bookingsDiscount
20% off admission to Cirque du Soleil shows touring Canada, and 15% off resident shows in Las Vegas
Car Rental Discount
20% off base rate of participating National Car Rental and Alamo Rent a Car and up to 5% on Enterprise Rent-A-CarDiscount
FlexiRoam: Stay connected around the world without a SIM card and get up to 15% off a Global Data Roaming plan plus up to 3GB of data, free.
Pros & Cons
Pros
- Generous rewards: 5 points per $1 spent on travel, 3 points per $1 spent on dining, entertainment, and recurring bills, and 1 point per $1 on other purchases.
- Lounge access: Includes 4 free annual lounge passes through Mastercard Travel Pass.
- Comprehensive insurance: 14 types of insurance, including emergency medical and trip cancellation coverage.
- First year fee waived: Try the card for a year without paying the $150 annual fee.
Cons
- Low point value: Points are worth only 0.67 cents each, which is lower than other cards.
- High income requirements: Requires $80,000 personal income or $150,000 household income, making it inaccessible for many.
- Limited lounge availability: Users have reported issues with lounge access.
Legal
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