bmo ascend world elite mastercard

BMO Ascend™ World Elite®* Mastercard®*

APPLY NOW
bmo eclipse visa infinite

BMO eclipse Visa Infinite* Card

APPLY NOW

BMO Ascend™ World Elite®* Mastercard®* vs BMO eclipse Visa Infinite* Card: Which one is better?


bmo ascend world elite mastercard

BMO Ascend™ World Elite®* Mastercard®*

3.1


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

bmo eclipse visa infinite

BMO eclipse Visa Infinite* Card

3.6


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Rewards Breakdown

Annual Rewards

$307.13

BMO Rewards


First Year Bonus Value

$301.5

BMO Rewards


Annual Fee

$150

$0

First Year Waived


First Year Value

$608.63

$157.13 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$432.43

BMO Rewards


First Year Bonus Value

$201

BMO Rewards


Annual Fee

$120

$0

First Year Waived


First Year Value

$633.43

$312.43 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included*

  • car insurance

    Car Rental Damage & Theft

    $65,000 up to 48 days
  • heart lock

    Travel Accident

    $500,000/person
  • extended warranty

    Extended Warranty

    Double up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • travel accident medical

    Emergency Out of province Medical

    $5M up to 21 days

  • lost baggage

    Lost or Stolen Baggage

    $500/person, $1K/trip
  • hourglass timer

    Baggage Delay

    $500/person, $1K/trip
  • burglar

    Hotel Burglary Insurance

    $1,000
  • cancel airplane

    Trip Cancellation

    $1,500/person, $5K/trip
  • pause

    Trip Interruption

    $2K/person, $10K/trip
  • hourglass timer

    Flight Delay

    $500 after 4 hours

Insurance Included*

  • car insurance

    Car Rental Damage & Theft

    $65K up to 48 days
  • heart lock

    Travel Accident

    $500,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • travel accident medical

    Emergency Out of province Medical

    $5M up to 15 days

  • mobile device insurance

    Mobile Device Insurance

    $1,000

Extra Benefits*

  • car rental

    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-Car
  • alcohol cheers

    Airport Lounge - Dragon Pass

    4 complimentary visits
  • discount

    Discount

    Up to 7% discount on Booking.com prepaid hotel or property rental bookings
  • discount

    Discount

    20% off admission to Cirque du Soleil shows touring Canada, and 15% off resident shows in Las Vegas
  • discount

    Discount

    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.

Extra Benefits*

  • exclusive

    Visa Infinite Exclusive Benefits

    Exclusive luxury hotel collection, unique dining and wine events
  • gas station

    Gas Discount

    Up to 7 cents off per litre on Shell® fuel if you are an AirMiles member
  • concierge

    Concierge Services

  • golf clubs

    Golf Benefit

    Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
  • finance money dollar

    Anniversary Credit

    Get a $50 anniversary lifestyle credit

Interest Rates*

Purchase:

21.99%

Cash Advance:

23.99%

Balance Transfer:

23.99%

Interest Rates*

Purchase:

21.99%

Cash Advance:

23.99%

Balance Transfer:

23.99%

Annual Fee*

$150

$0

First Year Waived

Annual Fee*

$120

$0

First Year Waived

Income Required*

Min Personal Income:

$80,000

Min Household Income:

$150,000

Income Required*

Min Personal Income:

$60,000

Min Household Income:

$100,000

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.*

Welcome Bonus*

Apply for the BMO eclipse Visa Infinite card to earn 30,000 BMO Rewards points after spending $3,000 in the first 3 months, followed by an additional 2,500 points monthly for up to 12 months by spending $2,000 each month. The $120 annual fee is waived for the first year.

Rewards Rate*

  • 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

Rewards Rate*

  • 5 points per $1 spent in restaurants, fast foods, coffee shops, food delivery, grocery, gas and daily transit (up to 30,000 points on food, 30,000 points on groceries, 100,000 points on gas and 100,000 points on daily transit)
  • 1 point per $1 spent on all other purchases

Loyalty Program*

Loyalty Program*

Point Redemption Options*

  • Most Optimal

    travel - plane

    Travel

    0.67¢ / point
  • finance money dollar

    Financial Products

    0.67¢ / point
  • entertainment popcorn

    Entertainment

    0.64¢ / point
  • cash coins

    Statement Credits (Cash)

    0.5¢ / point
  • gift card

    Gift Cards

    0.48¢ / point
  • online shop

    Merchandise

    0.45¢ / point

Point Redemption Options*

  • Most Optimal

    travel - plane

    Travel

    0.67¢ / point
  • finance money dollar

    Financial Products

    0.67¢ / point
  • entertainment popcorn

    Entertainment

    0.64¢ / point
  • cash coins

    Statement Credits (Cash)

    0.5¢ / point
  • gift card

    Gift Cards

    0.48¢ / point
  • online shop

    Merchandise

    0.45¢ / point

Is this card worth it?

The BMO Ascend World Elite Mastercard is perfect for frequent travelers who want a premium card offering high earning rates on travel, dining, and entertainment, plus valuable travel perks like lounge access and comprehensive insurance coverage. If you travel often and can meet the income requirement, this card offers flexibility and peace of mind with both rewards and protection while you're on the go.

Is this card worth it?

This card is ideal for individuals who want to maximize rewards on everyday purchases like dining, groceries, and transit while benefiting from a generous welcome bonus and lifestyle credit. However, the point value and high income requirements may be limiting for some.

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.

Pros

  • Earn up to 60,000 BMO Rewards points.
  • 5x points on dining, groceries, gas, and transit.
  • $50 annual lifestyle credit.
  • 10% bonus points when adding an authorized user.
  • First-year annual fee waived.

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.

Cons

  • Low point value of 0.67 cents per point.
  • High income requirements ($60,000 personal or $100,000 household).
  • Only 6 types of insurance coverage included.

Legal


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