BMO Ascend World Elite Mastercard

100,000 BMO Rewards points

BMO Ascend World Elite Mastercard

$654

First-year value

100,000

BMO Rewards points

$150

Annual fee

How we calculate first-year value

Welcome bonus (first-year portion)100,000 × 0.67 cents = $670

Earning on $20,000 min. spend+$134

First-year fee−$150

First-year value$654

Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of BMO Rewards points at 0.67 cents per point.

Welcome offer

45,000 BMO Rewards points upon spending $5,000 in the first 3 months
20,000 BMO Rewards points upon spending $10,000 in the first 6 months
35,000 BMO Rewards points upon spending $20,000 in the first year
Total of up to 100,000 BMO Rewards points

Earning rates

5×Travel

3×Dining & Entertainment

1×Everything Else

Perks & Benefits

4 DragonPass lounge visits per year
$200 NEXUS application fee rebate (first year)
Instacart+ 6 months free + $10/month credit

Last updated: February 14, 2026

Issuer: bmo Network: mastercard Category: Benefits: 4 DragonPass lounge visits per year. $200 NEXUS application fee rebate (first year). Instacart+ 6 months free + $10/month credit Earning: x travel, x dining, x entertainment, x everything else

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