BMO Ascend World Elite Mastercard
BMO Rewards0.7¢ exact
$150 annual fee (waived yr 1)
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Travel-focused card with 5x on travel, 3x on dining and recurring bills, and 1x base. Includes lounge access via Mastercard Travel Pass and premium travel insurance. A solid mid-tier travel card for someone whose main bonus categories are travel and dining.
Earn Rates
✈️ Travel5x🍽️ Dining3x📄 Bills3x·Everything else1x
💡 5x on travel. 3x on dining, entertainment, and recurring bill payments. 1x on all other purchases.
Annual Benefits
Lounge access, premium insurance
Face value: $150 first year
Realistic value: $130 — our estimate of what most users will actually realize
Welcome Bonus
Smart Bonus Strategy — Earn 50,000 points
See spend breakdown below
Minimum spend bonus
Spend $5,000 in 4 months
optimal stop45,000 pts × 0.7¢+$302Min. spend earnings5,000 pts × 0.7¢+$34
Annual benefitsLounge access, premium insurance+$130
Annual fee (waived yr 1)$0
Net first-year value+$465
Not Included in Smart Bonus Strategy
20,000 after $10,000 within 180 days
Spend $5,000 in 6 months
Only 2.7% return — optimal tier earns 9.3%
20,000 pts × 0.7¢+$13435,000 after $20,000 within the first year
Spend $10,000 in 12 months
Only 2.3% return — optimal tier earns 9.3%
35,000 pts × 0.7¢+$235Compare to Similar Cards
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