Working hard in the background...
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.
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
Card Details
Info
Card Type | Credit |
Reward Type | Points |
Our Rating | 3.1/5 |
Institution | BMO |
Loyalty Program |
Fees & Rates
Annual Fee | $150 (first year waived) |
Interest Rates | Purchase: 21.99% Cash Advance: 23.99%□ Balance Transfer: 23.99% □ Cash advance rate for Quebec residents is 21.99% |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: $80,000 Household: $150,000 |
Bonuses
Welcome Bonus | Up to 90,000 points and first annual fee waived* |
Description | Get up to 90,000 points and the annual fee waived in your first anniversary for both the primary cardholder and authorized users.* |
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
BMO Ascend™ World Elite®* Mastercard®* Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Travel and Rental Car & Taxi
7,800 points
Food and drinks
12,600 points
Entertainment
5,760 points
Recurring Transactions
5,040 points
All other purchases
14,640 points
Annual Fee
- $150
Net Annual Rewards
45,840 points
Valued at $157.13 (after fees)
Rewards Summary
Net Annual Rewards
45,840 points
Valued at $157.13 (after fees)
First Year Card Bonus
45,000 points
Valued at $301.5
First Year Card Value
45,840 points
Valued at $608.63
Finly Rebate
Point Redemptions
Redemptions Chart
Travel
$458.63
Financial products
$458.63
Entertainment and Experiences
$431.38
Statement Credits
$304.2
Gift Cards
$286.03
Merchandise
$258.78
Legal
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.