World Elite Mastercard

Receive up to 30,000 bonus points (approximately $250 cash back value):

• 20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
• 10,000 bonus points††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
• Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point‡ for every $1 on all other eligible purchases
• Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.
• Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
• Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
• $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
• To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater††††.

Welcome offer: Get up to $650 in value including $40 cash back each month in your first year. Plus we’ll waive the $120 annual fee in the first year.
Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*

• Earn more cash back on the categories that mean the most:
  • 5% on groceries*
  • 4% on transit including ride sharing, taxis and public transportation*
  • 3% on gas and electric vehicle charging*
  • 2% on recurring bill payments like your monthly phone bill or favourite streaming service*
  • Unlimited 1% cash back on all other purchases*.
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
• Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
• Complimentary Roadside Assistance Program*
• Extended Warranty Plus*
• Purchase Protection Plus*
• BMO CashBack World Elite Travel and Medical Protection*
• Shop, eat and relax with our partners to receive offers when you travel and make purchases with your BMO World Elite Mastercard outside Canada.

The Cathay World Elite Mastercard – powered by Neo is not available in Quebec.

Welcome Offer

• Earn up to 60,000 Asia Miles as a welcome bonus: 35,000 Asia Miles on approval and 25,000 Asia Miles after $5,000 in purchases in 3 months
• 15% discount on Cathay Pacific flights with promotional code

Features of the Cathay World Elite Mastercard – powered by Neo:

• 2 Asia Miles for every $1 spent on purchases made in foreign currencies
• 4 Asia Miles per dollar on Cathay Pacific purchases
• 5 Asia Miles per dollar on average at thousands of Neo partners across the country
• 1 Asia Mile per dollar on purchases made in Canada
• Enjoy exclusive member benefits: priority check-in, free extra baggage and access to Cathay Pacific lounges
• Benefit from comprehensive insurance covering medical emergencies, cancellations and lost baggage
• Access over 1,300 airport lounges worldwide with DragonPass
• Avoid queues with Mastercard's Fast Track service at security checkpoints

Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend, and pay no annual fee in your first year.*

• Earn 3 points for every $1 spent on Porter purchases*
• Earn 2 points for every $1 spent on gas and transportation
• Earn 2 points for every $1 spent on groceries and dining
• Earn 2 points for every $1 spent on hotel accommodations
• Earn 1 point for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Venture)
• One round-trip companion pass per year†
• 1 complimentary checked bag*
• 1 complimentary carry-on bag on all Porter fare types*
• Free PorterClassic seat selection*
• Priority security*
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No expiration of VIPorter points.
• Earn $1 of qualifying spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 21-day out-of-province or country emergency medical insurance
• Trip Cancellation/Interruption/Delay insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary insurance

Purchasing insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
• Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
• Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.

• Up to 5% cashback on groceries, 4% on recurring payments, 3% on gas, electric vehicle charging, and 1% everywhere else
• Mastercard World Elite travel benefits including collision coverage for car rentals, comprehensive travel insurance and a subscription to DragonPass
• Instant credit limit up to $30,000
• Earn additional cash back at over 10,000 Neo network partners
• Annual fee of $125
• Secured option to build credit history

Welcome offer:

• Get over $1,500 in value!* This includes up to 100,000 BMO Rewards Points – that’s a $669 value in the first year.*

Here’s how the welcome offer adds up:

• $135 in value (20,000 BMO Rewards Points) when you make your first purchase*
• Up to $535 in value (8,000 BMO Rewards Points from months 3-12) when you spend $3,000 each month*
• $701 in value from your premium benefits*
• Plus, your $149 annual fee is waived in the first year*
• 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*
• Earn 4 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments*
• Earn 1.5 BMO Rewards points for every $1 you spend*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass, with two annual complimentary passes*
• Get up to 7 cents off per litre on all Shell^®± fuel*

Card features:

• 60 XP welcome bonus for new cardholder + 30XP on your card anniversary renewal
• First-year annual fee rebate (instead of $132)
• Up to 30 Miles per $1 spent at Merchant Partners
• 2 Miles per $1 spent on food and drinks (restaurants, bars)
• 1 Mile per $1 spent everywhere else

• 3% in BONUSDOLLARS for your purchases in the Grocery category (up to $10,000 in annual purchases - beyond that, the earn rate decreases to 1%)
• 3% in BONUSDOLLARS for your purchases in the Restaurant category (up to $6,000 in annual purchases - beyond that, the earn rate decreases to 1%)
• 2% in BONUSDOLLARS for your purchases in the Entertainment, Travel, and Public Transportation categories
• 1% in BONUSDOLLARS for your other purchases

• Earn 3% in CT Money when you buy groceries (on the first $12,000 per year; excluding Costco and Walmart stores
• Earn 4% on eligible purchases at Canadian Tire, Sport Chek, Mark's/L'Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L'Entrepôt du Hockey and participating Sports Experts stores
• Earn 7¢ in CT Money per litre of premium gas, and 5¢ per litre on other fuel types at Gas+ stations, as well as participating Husky gas stations

• 4% cash back on grocery purchases (up to $10,000 in annual purchases - thereafter, the earn rate decreases to 1%)
• 3% cash back on restaurant purchases (up to $6,000 in annual purchases - thereafter, the earn rate decreases to 1%)
• 3% cash back on purchases in the Entertainment and Public Transit categories
• 1% cash back on your other purchases

• Earn 2% per dollar in BRIM Reward Points
• No FX-fee
• Free Wi-Fi anywhere around the world