BMO · Mastercard

BMO Blue Rewards World Elite Mastercard

Start with up to $1,600 in Value + First-Year Annual Fee Waiver.

Annual fee
$150
Reward type
BMO Rewards
Point value
0.67¢

per point

Income required
$80,000

personal · or $150,000 household

Typical credit · 725+
BMO Blue Rewards World Elite Mastercard✈️ Travel Rewards

Welcome bonus

New cardmembers can earn up to $1,600 in Value + First-Year Annual Fee Waiver by completing the steps below.

How to earn it

  • Annual fee waived for the first yearApproved for a new BMO Blue Rewards World Elite Mastercard account.
  • Welcome bonus Blue PointsMeet the eligible spending requirements outlined by BMO during the promotional period.
  • 0% introductory balance transfer rate for 12 monthsComplete an eligible balance transfer during the promotional offer period. A 2% balance transfer fee applies.

Available to new BMO Blue Rewards World Elite Mastercard cardholders who meet the offer requirements. Account must remain open and in good standing. Terms and conditions apply.

How you earn

  • 10 Blue Points per $1 spent at participating Blue Rewards Partners, including travel booked through Blue Rewards Travel powered by Expedia
  • 2 Blue Points per $1 spent on eligible grocery purchases
  • 2 Blue Points per $1 spent on eligible gas purchases
  • 2 Blue Points per $1 spent on eligible electric vehicle charging purchases
  • 2 Blue Points per $1 spent on eligible wholesale club purchases
  • 2 Blue Points per $1 spent on eligible alcohol purchases
  • 1 Blue Point per $1 spent on all other eligible purchases

Built-in perks & coverage

Mastercard Travel Pass Membership

Receive complimentary membership in Mastercard Travel Pass provided by DragonPass, including 4 complimentary airport lounge visits each calendar year.

Airport Lounge Access

Enjoy access to participating airport lounges worldwide through DragonPass. After the four complimentary annual visits, additional visits are available at a preferred cardholder rate.

Roadside Assistance

Receive roadside assistance services including towing, battery boosts, flat tire changes, fuel delivery, lockout assistance, and winching services.

NEXUS Statement Credit

Receive a statement credit of up to $200 for eligible NEXUS application or renewal fees during the first year.

Emergency Medical Insurance

Coverage for eligible out-of-province and out-of-country emergency medical expenses up to $5 million per insured person for eligible trips.

Car Rental Collision Damage Waiver

Provides coverage against theft, loss, or damage to eligible rental vehicles when the full rental cost is charged to the card.

Purchase Protection

Eligible purchases are protected against accidental loss, theft, or damage for a specified period following purchase.

Extended Warranty

Extends the manufacturer's original warranty on eligible purchases, subject to policy limits and terms.

Show all 24 benefitsShow fewer

Blue Rewards Travel

Access Blue Rewards Travel powered by Expedia, allowing redemption of points for flights, hotels, car rentals, vacation packages, and more.

Flexible Travel Redemptions

Redeem any amount of Blue Points toward eligible travel bookings, including taxes and fees on qualifying reservations.

Exclusive Blue Rewards Card Offers

Unlock exclusive partner promotions, discounts, and bonus point opportunities through Blue Rewards card offers.

Extra Blue Points with Membership Card

Earn additional Blue Points when using a linked physical or digital Blue Rewards membership card at participating partners.

Car Rental Discounts

Save up to 20% with National Car Rental and Alamo Rent A Car, and up to 5% with Enterprise Rent-A-Car at participating locations worldwide.

Cirque du Soleil Discounts

Receive 20% off eligible Cirque du Soleil shows in Canada and 15% off resident shows in Las Vegas.

Instacart+ Membership Offer

Receive six months of Instacart+ membership and a monthly Instacart credit when enrolled through the eligible promotion.

FlexiRoam Global Data Benefits

Receive discounts on global roaming plans and complimentary mobile data benefits when travelling internationally.

Mastercard Travel Rewards

Access cash back offers at participating international merchants through Mastercard Travel Rewards.

World Elite Mastercard Benefits

Enjoy additional World Elite Mastercard travel, lifestyle, digital subscription, and partner benefits.

Zero Liability Protection

Protection against unauthorized purchases made with your card if it is lost, stolen, or used fraudulently.

Mastercard Identity Check

Enhanced online purchase authentication helps protect cardholders during eligible e-commerce transactions.

BMO Alerts

Receive notifications for large purchases, suspicious activity, and important account events to help monitor account security.

Free Credit Score Access

Access Credit Coach through the BMO app to monitor your credit score and credit profile without impacting your credit score.

Card Management Through Mobile Banking

Lock or unlock your card, report it lost or stolen, dispute transactions, reset your PIN, and manage card settings through the BMO mobile app.

Financial Insights

View personalized spending insights and budgeting information through BMO Digital Banking.

The verdict

What we like

  • Annual fee rebate
  • Generous welcome bonus
  • High partner purchase optimization
  • Roadside assistance
  • Airport lounge access

Worth noting

  • Annual fee
  • High income requirements
  • Niche rewards ecosystem
  • Low point value
  • Limited travel redemption flexibility

Issuer terms apply. ClearFin is not affiliated with this provider. How we make money.