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CREDIT CARDS

CASH REBATES

BMO Ascend™ World Elite®* Mastercard®* Points Calculator

Credit Score

Very Good

Welcome Bonus

Up to 52,500 points in the first year

Annual Income

Personal:

$80,000

Household:

$150,000

Our Rating

6.9/10

Credit Score

Very Good

Welcome Bonus

Up to 52,500 points in the first year

Annual Income

Personal:

$80,000

Household:

$150,000

Our Rating

6.9/10

Details at a glance

Card Type

Points

Annual Fee

$150

$0

First Year Waived

Interest Rates*

Purchase: 20.99%

Cash: 23.99%

Institution

BMO

Card Network

Mastercard

Benefits & Insurance at a glance

Travel Insurance

Airport Lounge Access (4)

Car Rental Insurance

Car Rental Discount

Global Wifi

Purchase Protection

Extended Warranty

Rewards Calculator Algorithm

You can either find your best cards by inputting your spending habits or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.

Total Spending on Credit Cards

Modify your spending numbers and click update to get the most accurate recommendations.

$0


Restaurant, Fast Food and Coffee Shop

$

Pharmacy

$


Shoppers Drug Mart

$

Other Pharmacies

$

Gas

$


Esso & Mobil

$

Costco Gas

$

Other Gas Stations

$

Transportation

$


Public Transportation

$

Rideshare (Uber, Lyft, Taxi, etc.)

$

Parking

$

Grocery

$


Costco

$

Whole Foods

$

Groceris from Safeway, Sobeys, Foodland, FreshCo, ThriftyFoods, Voila, IGA, Rachelle Bery, Les Marches Tradition

$

Groceries from Loblaws, NoFrills, RealCanadianSuperStore, PCExpress, Maxi, Provigo, SaveEasy, SuperValu, ValuMart, YourIndependentGrocer, Zehrs, Fortinos

$

Walmart in Store

$

Walmart Online

$

Other Grocery Purchases

$

Travel (Flights, Hotels, etc.)

$


Air Canada Airline

$

WestJet Airline

$

British Airways Airline

$

Cathay Pacific Airline

$

Marriott Bonvoy Hotels

$

Travel Booked from Expedia

$

Other Hotels

$

Other Airlines

$

Other Travel Not Specified

$

Home Improvement (Renovation, Furniture)

$


Home Fixes & Renovations

$

Home Furnishing

$

Recurring Purchases (Subscriptions, Bills)

$


AppleTV+, Apple Music, Crave, Disney+, FuboTV, Hayu, Netflix, RDS, SiriusXM Canada, Spotify, TSN

$

Utilities

$

Other Recurring Purchases (e.g. Car payment, Loan repayment, etc.)

$

Entertainment (Movies, Concerts, etc.)

$


Cineplex

$

Other Entertainment Purchases

$

Foreign Purchases (Non CAD)

$


USD Purchases

$

Foreign Non-USD Purchases

$

Retail & Online Purchases

$


Amazon

$

Digital Goods (E-books, Music, Software, Mobile Apps, Photos, etc.)

$

Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Online/Retail Purchases

$

Other Purchases Not Specified

$

How You Earn Rewards

  • • 5 points for every dollar in Travel (Maximum 75000)
  • • 3 point for dining (Maximum 30000)
  • • 3 points for entertainments (Maximum 30000)
  • • 3 points for Recurring payments (Maximum 3000)
  • • 1 point for everything else

Reward Insights

Based on average spending

Insurance & Benefit Details

  • • Access to participating Airport lounges Visa Airport Companion Program managed by Dragonpass International with 4 Free complimentary visits
  • • Out of Province Medical insurance (Up to 2 million)
  • • Travel accident Insurance up to $500K
  • • Lost/Damaged Baggage Insurance per person per trip up to $750 to maximum of $2K per account. If delayed more than 12 hours $200 for essential items
  • • Flight delay insurance up to $500
  • • Trip Cancellation/Interruption/Delay Insurance up to $2500 per person with a maximum of $5000
  • • Car Rental Theft and damage insurance
  • • Purchase Protection Insurance
  • • 25% off base rate of participating National Car Rental and Alamo Rent a Car
  • • Extended Warranty Insurance
  • • Get 15% off admission to Cirque du Soleil shows touring Canada, and 20% off resident shows in Las Vegas.
  • • Stay connected with over 1 million Boingo Wi-Fi hotspot worldwide.
  • • Common Carrier insurance