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BMO Blue Rewards World Elite®* Mastercard®* Review
The Bottom Line
The BMO Blue Rewards World Elite Mastercard caters to a specific high-income clientele. This competitor is a solid premium contender for those who make frequent Blue Rewards partner purchases, complete with valuable travel perks like lounge access. Still, the reward system is less flexible compared to other similar tier cards.
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Welcome Bonus
Get up to 100,000 Welcome Bonus Points, no annual fees for the first year, and a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee*.
Annual Fee
$150 $0
Interest Rates
21.99% / 23.99%□
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
Rewards
- Earn 10 Points for every $1 spent at participating Blue Rewards Partners*
- Earn 2 Points for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchases*
- Earn 1 Point for every $1 spent on everything else*
- Earn additional Points on top of your credit card Points when you use your physical or digital Blue Rewards Member Card at checkout*
- Unlock exclusive offers at top brands through Blue Rewards offers*
Insurance
Coverage
Extended Warranty
Doubles the original manufacturer’s warranty up to an extension of 1 year*
Purchase Protection
Up to 90 days from date of purchase*
Travel Medical Insurance (64 & under)
Out-of-province/out-of-country emergency medical insurance up to $5 million per insured person, per trip - up to 15 consecutive days.*
Trip Interruption
Up to $2,000 per insured person, per trip (maximum of $10,000)*
Trip Cancellation
Up to $1,500 per insured person, per trip (maximum of $5,000)*.svg?dpl=dpl_CqXN6xybA3UJf7cuesPPhsLSDVKk)
Car Rental Damage & Theft
Rental period of up to 48 consecutive days with an MSRP of up to $65,000*
Common Carrier Travel Accident Insurance
Up to $500,000 per insured person*
Flight Delay
Up to $500 per trip for all insured persons with a flight delay of over 4 hours*Baggage Delay
Up to $500 per insured person, to a maximum of $1,000 per trip*
Lost or Stolen Baggage
Up to $500 per insured person to a maximum of $1,000 per trip*
Hotel Burglary Insurance
Up to $1,000 for all insured persons*
Benefits
Details
Airport Lounge - Dragon Pass
Airport lounge access with complimentary membership in Mastercard Travel Pass provided by DragonPass, plus 4 free passes per calendar year.*
Global Data Roaming plan
Get up to 15% off a Global Data Roaming plan and up to 3GB of data without any additional charges with FlexiRoam.*
Car Rental Discount
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.* Plus car rental collision/loss damage insurance*
Roadside Assistance
Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*
Discount
Get 20% off admission to Cirque du Soleil shows in Canada, and 15% off resident shows in Las Vegas*Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Eligibility
Credit Score
Very GoodAnnual Income
$80,000 personal or $150,000 household
Welcome Bonus Details
Get up to 100,000 Welcome Bonus Points and the annual fees waived in the first year*. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee*.
Up to 100,000 Welcome Bonus Points (Worth up to $665 in value when redeemed at participating in-store partners or towards eGift Cards)
- Earn 45,000 Bonus Points 110 days after the credit card account open date when you spend a minimum of $5,000 on net card purchases within the first 110 days of account opening.*
- Earn an additional 20,000 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.*
- Earn a further 35,000 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 365 days of account opening.*
Up to $200: Annual Fee Rebate
- The Primary Cardholder annual fee of $150 will be rebated in the first year and will appear as a fee and a credit on the first statement.*
- Each Additional Card annual fee of $50 will also be rebated in the first year if added at the time of primary cardholder’s application and will appear as a fee and a credit on the first statement.*
0% introductory interest rate on balance transfers
- Each balance transfer amount is eligible for a promotional interest rate of 0% provided that each balance transfer is posted to your BMO Preferred Rate Mastercard account in the first 18 statement periods from the Account open date, and your Account remains in good standing.*
- Offer is available to new customers only upon Account approval for applications submitted on or after June 2, 2026.*
Up to $200: NEXUS Statement Credit
- Receive one statement credit up to a maximum of $200 CAD when NEXUS Application Fee is charged and posted in the first year on your Primary card regardless of NEXUS Application status.*
Card Details
Interest Rates
Purchase APR
21.99%
Cash Advance APR
23.99%□
Balance Transfer APR
23.99%□
□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%
Fees
Annual Fee
$150
Additional Cards
$50 (first year waived)
Eligibility
Minimum Individual Income
$80,000
Minimum Household Income
$150,000
Credit Score Estimate
Very Good
Type
Pros & Cons
Pros
- Annual fee rebate
- Generous welcome bonus
- High partner purchase optimization
- Roadside assistance
- Lounge access
Cons
- Annual fee
- High income requirements
- Niche rewards system
Get personalized rewards estimates — see exactly how much you could earn.
BMO Blue Rewards World Elite®* Mastercard®* Points Calculator
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on BMO's website