BMO Blue Rewards World Elite Mastercard

BMO Blue Rewards World Elite®* Mastercard®*

$120

BMO Blue Rewards World Elite Mastercard

BMO Blue Rewards World Elite®* Mastercard®*

Credit Card · Apply through Finly

Cash back

$120

BMO Blue Rewards World Elite Mastercard

Finly rebate

$120

Get $120 rebate on an approved BMO Blue Rewards World Elite®* Mastercard®*

Apply through Finly and get approved for the BMO Blue Rewards World Elite®* Mastercard®* to earn our Finly rebate — sent to your bank via Interac e-Transfer once your application is approved. Terms and conditions apply.**

Plus, you can earn the Card’s welcome bonus from BMO.

INTERAC

Paid via INTERAC e-Transfer

Secure & private

$1.8M paid out to Canadians

Read before you apply

Rebate eligibility & offer terms

These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.

* / ** Terms and conditions apply.

You must qualify for and be approved for the BMO Blue Rewards World Elite®* Mastercard®* as a new cardholder, meaning:

  • You meet the minimum yearly income requirements of $80,000 personal, or $150,000 household

  • Your credit score must be "Good" and above to be considered for this product, meaning 680+ Equifax score

The card

Why BMO Blue Rewards World Elite®* Mastercard®*?

Issued by BMO. Apply through Finly to earn an extra cash rebate on top of every reward this card offers.

How to earn the welcome bonus

Get up to $1,600 in value and the annual fee waived in the first year*. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee*.


$1,600 in value is made up of:


Up to $665: 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: 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.*

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.*

Up to $268: Mastercard Travel Pass provided by DragonPass

  • Includes a complimentary membership to participating lounges within the Mastercard Travel Pass provided by DragonPass program (approximate membership value of US$68 = $93 CAD based on exchange rate of 1.37 February 23, 2026).*
  • Receive four complimentary lounge passes each calendar year. Passes can be used by you as the primary cardholder or for a travelling companion (approximate lounge passes value of US$128 = $175 CAD based on exchange rate of 1.37 February 23, 2026). After the four passes are used, lounge access is available for a fee of US$32 per person, per visit.*

Up to $200: Instacart+ Membership & Monthly Credit

  • Complimentary and Discounted Instacart+ Membership: You, as the Primary cardmember, can activate this offer using your eligible Canadian BMO Credit Card by October 31, 2027 at 11:59PM PT, to receive (i) six (6) months of complimentary Instacart+ membership beginning on the date you activate this offer and (ii) this offer’s promotional Instacart+ annual rate ($20 CAD off annual rate of $99 CAD/year) if you opt-in to auto-enroll during initial offer enrollment. This offer is valid for only one eligible premium Canadian BMO Credit Card per Instacart account. Activate the offer via https://www.instacart.ca/p/bmo-premium or the special offer invitation in your email or account settings.*
  • $10 Instacart Credit per Month BMO Offer: As a Canadian BMO Credit Card Primary cardmember, you can receive one $10 CAD credit in your Instacart account each month you have an active Instacart+ membership after you activate your complimentary BMO Instacart+ membership on https://www.instacart.ca/p/bmo-premium through October 31, 2027 at 11:59PM PT. The monthly credit will be made available to you in your Instacart+ account at the beginning of each month and will only be available on that platform for the remainder of that calendar month; the monthly credit will not roll over into a subsequent month.*

$75 market value: Roadside Assistance

  • With the BMO Blue Rewards World Elite Mastercard, BMO CashBack World Mastercard and BMO CashBack World Elite Mastercard, you will receive a complimentary membership in the Dominion Automobile Association (DAA) and the benefits of their BMO Roadside Assistance Program (Basic Coverage). Membership terms and plan features are described in the Certificate you will receive or access the Certificate using the following link bmo.com/roadsideassistancebasic. DAA requires that BMO provide any information reasonably required solely for the purpose of confirming that you are covered by the Program.*


Earns rewards on

1x - 10x

Groceries
Gas
  • 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*

Fees & rates

Annual fee

$150$0 yr 1

Purchase interest

21.99%

Cash advance interest

23.99%

Foreign transaction

2.5%

Additional cards

$50 (first year waived)

Min personal income

$80,000

Min household income

$150,000

Credit recommended

Very Good

Built-in perks & coverage

Airport Lounge - Dragon Pass

Global Data Roaming plan

Car Rental Discount

Roadside Assistance

Discount

Extended Warranty

Purchase Protection

Travel Medical Insurance (64 & under)

Trip Interruption

Trip Cancellation

Car Rental Damage & Theft

Ready when you are

$120 is yours when you apply through Finly.

We e-Transfer your rebate via Interac after the financial institution confirms your approval and eligibility. No portals, no points — just real cash.

Stack & save

Bundle this with a complementary offer

Open more than one product through Finly and you earn a separate cash rebate on each. We'll e-Transfer them all to the same Interac email — no extra steps on your end.

Apply for 1 more offer to stack rebates from a single Finly account.

Browse all

FAQ

Common questions, answered.

Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.

Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.

Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.

The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.

Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.

No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.

Many premium credit cards require a minimum personal or household income. The required income (if any) is shown in the fees & rates panel above. The financial institution makes the final approval decision.

Each card targets a different credit profile. The recommended credit category is shown above. A higher score generally improves your odds of approval.

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Legal & disclosures

Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.

Product legal content

*Terms and conditions apply.


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