BMO Ascend™ World Elite®* Mastercard®* vs BMO eclipse Visa Infinite* Card: Which one is better?
BMO Ascend™ World Elite®* Mastercard®*
3.1
BMO eclipse Visa Infinite* Card
3.6
Finly Rebate
Finly Rebate
Rewards Breakdown
Annual Rewards
$307.13
BMO Rewards
First Year Bonus Value
$301.5
BMO Rewards
Annual Fee
$150
$0
First Year Waived
Finly Rebate
$75Exclusive Offer
First Year Value
$683.63
$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
Finly Rebate
$60Exclusive Offer
First Year Value
$693.43
$312.43 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
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Car Rental Damage & Theft
$65,000 up to 48 days
Travel Accident
$500,000/person
Extended Warranty
Double up to 1 year
Purchase Protection
90 days
Emergency Out of province Medical
$5M up to 21 days
Lost or Stolen Baggage
$500/person, $1K/trip
Baggage Delay
$500/person, $1K/trip
Hotel Burglary Insurance
$1,000
Trip Cancellation
$1,500/person, $5K/trip
Trip Interruption
$2K/person, $10K/tripFlight Delay
$500 after 4 hours
Insurance Included*
Car Rental Damage & Theft
$65K up to 48 daysTravel Accident
$500,000Extended Warranty
1 yearPurchase Protection
90 daysEmergency Out of province Medical
$5M up to 15 days
Mobile Device Insurance
$1,000
Extra Benefits*
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
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 VegasDiscount
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*
Visa Infinite Exclusive Benefits
Exclusive luxury hotel collection, unique dining and wine events.svg)
Gas Discount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles member.svg)
Concierge Services
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
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
0.67¢ / pointFinancial Products
0.67¢ / point
Entertainment
0.64¢ / point
Statement Credits (Cash)
0.5¢ / point
Gift Cards
0.48¢ / point
Merchandise
0.45¢ / point
Point Redemption Options*
Most Optimal
Travel
0.67¢ / pointFinancial Products
0.67¢ / pointEntertainment
0.64¢ / pointStatement Credits (Cash)
0.5¢ / pointGift Cards
0.48¢ / pointMerchandise
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.
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