BMO Ascend World Elite Mastercard

Benefits & BMO Rewards Calculator
Review the benefits of the BMO Ascend World Elite Mastercard and calculate how many BMO Rewards Points you can earn based on your spend.
Last Updated 2022-05-31

The BMO Ascend™ World Elite®* Mastercard® is premium travel rewards card that earns points best used towards travel. It offers 5 BMO Rewards points per $1 spent on travel, 3 points per $1 spent on entertainment, dining, and recurring bill payments, and 1 point per $1 spent on everything else.

As a premium credit card, it is stacked with benefits which includes aiport lounge access, travel and medical protection, and additional discounts on travel and entertainment.

Card Details At-A-Glance

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Issued By
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Annual Fee
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Foreign Transaction Fee
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BMO Ascend bonus categories

5X Travel

The BMO Ascend World Elite Mastercard earns 5 BMO Rewards points per $1 spent on eligible travel purchases. This applies to the first $15,000 in travel purchases. Once this cap is hit, you'll earn at the non-category rate of 1X for the remainder of the year.

BMO counts the following as eligible travel purchases:

  • Airlines
  • Car rental agencies
  • Hotels and resorts
  • Cruise lines
  • Passenger railways
  • Tour operators
  • Timeshares
  • Travel agencies

3X Entertainment

The BMO Ascend World Elite Mastercard earns 3 BMO Rewards points per $1 spent on eligible entertainment purchases. This includes:

  • Motion picture theatres
  • Theatrical producers
  • Ticket agencies
  • Bands, orchestras and miscellaneous entertainers
  • Tourist attractions and exhibits
  • Amusement parks
  • Carnivals and circuses
  • Zoos, aquariums, dolphinariums, and seaquariums

You'll earn 3X on the first $10,000 in annual purchases, then earn at the base rate of 1X for the remainder of the year once the cap is hit.

3X Dining

The BMO Ascend World Elite Mastercard earns 3 BMO Rewards points per $1 spent on eligible dining purchases. This includes:

  • Eating places
  • Restaurants
  • Drinking places (bars)
  • Fast food restaurants

You'll earn 3X on the first $10,000 in annual purchases, then earn at the base rate of 1X for the remainder of the year once the cap is hit.

3X Recurring Bill Payments

The BMO Ascend World Elite Mastercard earns 3 BMO Rewards points per $1 spent on recurring bill payments. These are defined as payments made on a monthly or regular basis and which are automatically billed by the merchant to your BMO Ascend World Elite Mastercard.

You'll earn 3X on the first $10,000 in annual purchases, then earn at the base rate of 1X for the remainder of the year once the cap is hit.

1X Everything Else

All other purchases on the BMO Ascend World Elite Mastercard earns 1 BMO Rewards point per $1 spent.

BMO Ascent benefits

Mastercard Travel Pass

As a BMO Ascend World Elite Mastercard holder, you'll receive Airport lounge access with Mastercard Travel Pass provided by DragonPass. You'll also receive 4 free passed a year.

Boingo Wi-Fi

The BMO Ascend World Elite Mastercard offers free access to over 1 million Wi-Fi hotspots worldwide with Boingo Wi-Fi.

Car Rental Savings

As a BMO cardholder, you'll save up to 25% off at National Car Rental and Alamo Rent A Car locations. You can use contract ID number 3717122 when booking on nationalcar.com and contract ID number 7014883 when booking on alamo.com.

Entertainment Discounts

As a BMO cardholder, you will receive 15% off admission to Cirque du Soleil shows touring Canada and 20% off resident shows in Las Vegas.

Travel & Shopping Coverage

BMO Ascend point value

Redemption BMO points value (in cents)
Redeeming points for travel 0.67
Using points for investements with BMO 0.67
Redeeming points for gift cards 0.4 - 0.45
Redeeming points for a statement credit 0.33
Using points to buy merchandise 0.3 - 0.6

BMO Rewards points earned with the BMO Ascend World Elite Mastercard are worth 0.67 cents each on average. Every 150 points you redeem towards travel or BMO investements are worth $1 in cash value.

BMO Rewards Point Calculator

Input your monthly and yearly spend amounts to find out how many BMO Rewards points you can earn with the BMO Ascend World Elite Mastercard. Compare the results side by side up to 2 credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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