BMO Rewards Credit Cards: Exclusive Offers Up to 200,000 points – Winter 2026

Credit Cards BMO Rewards Credit Cards: Exclusive Offers Up to 200,000 points – Winter 2026

To the point Here are the exclusive offers from Bank of Montreal (BMO) for BMO Rewards credit cards: up to 200,000 points!

Milesopedia recommends this card from BMO

BMO Ascend™ World Elite^®* Mastercard^®*

Up to 100,000 Points

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How to choose the best BMO card for your profile

Here is a summary table of the new welcome offers for BMO Rewards credit cards. For offer details, continue reading and check out our analyses.

BMO Rewards Offer Details

Here are the details of the offers for the five BMO Rewards credit cards:

Up to 200,000 points with the BMO eclipse Visa Infinite Privilege Card
Up to 115,000 points with the BMO Ascend World Elite Mastercard
Up to 70,000 points with the BMO eclipse Visa Infinite Card
Up to 25,000 points with the BMO eclipse rise Visa Card

BMO Ascend™ World Elite^®* Mastercard^®*

The BMO Ascend World Elite Mastercard is one of the best World Elite Mastercard credit cards with travel points in Canada. With our exclusive welcome offer, you can earn up to 100,000 BMO Rewards points.

These points have a value of approximately $650 to $700, according to our estimate, and can be applied to your travel expenses.

Plus, there is no annual fee for the first year for the primary cardholder and additional cardholders.

You can also take advantage of a 0% introductory interest rate on balance transfers for 12 months, with a 2% balance transfer fee.

With the BMO Ascend World Elite Mastercard, you get:

5 points per dollar on eligible travel*
3 points per dollar on eligible dining, entertainment, and recurring bill payments*
1 point per dollar on all other purchases*

You can use BMO Rewards points for your travel (flights, hotels, car rentals, packages, etc.) or for rewards and gift cards on the BMO Rewards platform.

The card also offers:

4 complimentary airport lounge accesses per year via Mastercard Travel Pass provided by DragonPass*
comprehensive travel insurance, including emergency medical coverage up to $5 million for 21 days*

Finally, enjoy six months of Instacart+ membership and a $10 monthly Instacart credit when you sign up with your eligible BMO credit card.*

BMO Ascend World Elite Mastercard – How to Maximize the Welcome Offer

As you can see, to get the full 115,000-point welcome bonus, there are several spending tiers to reach.

You could simply choose to reach the first tier, which already offers you 60,000 points after $5,000 in purchases within the first 110 days of account opening. This already represents a value of approximately $400 for any travel purchase charged to the card!

But if you wish to unlock the full welcome bonus, here is a simulation of the points you could earn by making your purchases in the accelerated categories offering 3 points per dollar:

Dining
Entertainment
Recurring Bill Payments

Also, remember that you earn 5 points per dollar on travel purchases.

Month	Purchases	3x Category	Bonus	Cumulative Total
1	$1,667	5,001 points	–	5,001 points
2	$1,667	5,001 points	–	10,002 points
3	$1,667	5,001 points	60,000 points	75,003 points
4	$1,667	5,001 points	–	80,004 points
5	$1,667	5,001 points	–	85,005 points
6	$1,667	5,001 points	20,000 points	110,006 points
7	$1,667	5,001 points	–	115,007 points
8	$1,667	5,001 points	–	120,008 points
9	$1,667	5,001 points	–	125,009 points
10	$1,667	5,001 points	–	130,010 points
11	$1,667	5,001 points	–	135,011 points
12	$1,667	5,001 points	35,000 points	175,012 points
Total	$20,004	60,012 points	115,000 points	175,012 points

175,012 BMO Rewards points are worth $1,172 for any travel purchase.

This also means that for $20,004 in purchases over 12 months, this represents a return of approximately 5.8% if you use your points for a statement credit for any travel purchase.

Given that the first year is free, you have a net value of $1,172 by unlocking the full welcome offer and making your purchases in the 3x points categories.

And remember, this card includes annual benefits, such as four complimentary airport lounge visits and excellent insurance coverage for your purchases and travel!

BMO eclipse Visa Infinite* Card

By subscribing to our offer for the BMO eclipse Visa Infinite* Card, you can receive an exclusive welcome offer of up to 80,000 BMO Rewards points, as well as a waiver of the $120 annual fee for the first year.*

In addition, you will benefit from a $50 annual lifestyle credit. You also have a monthly statement credit for streaming services for the first year.*

With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar spent on:

groceries*
food delivery or takeout*
ridesharing*
public transit*
gas*

And 1 BMO Rewards point per dollar spent everywhere else. Plus, if you add a supplementary card to your account, you’ll earn 10% more points*.

You can use BMO Rewards points for travel (flights, hotels, car rentals, packages, etc.) or for rewards and gift cards on the BMO Rewards platform.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card*.

Our review of this offer

BMO has decided to increase its official welcome offer for the BMO eclipse Visa Infinite* Card, from 40,000 to 70,000 points.

The offer we are presenting above is EXCLUSIVE to Milesopedia: 70,000 points, which is 10,000 points more than the one displayed on the BMO website.

The first part of the offer is relatively simple to obtain:

40,000 points after $3,000 in purchases in 3 months.
The second part is for those who will regularly use the card: you will earn 2,500 points after $2,000 in purchases from the 4th month up to the 15th month (for a total of 30,000 points).

To better explain the breakdown of the welcome bonus and provide a visual aid, here is a summary table, also including the required spending and points earned through these expenses (based on purchase categories of 1 to 5 points per dollar):

Month	Purchases	Category (1X or 5X)	Bonus	Total
1	$1,000	1,000 – 5,000 points	–	1,000 – 5,000 points
2	$1,000	1,000 – 5,000 points	–	1,000 – 5,000 points
3	$1,000	1,000 – 5,000 points	40,000 points	41,000 – 45,000 points
Total	$3,000	3,000 – 15,000 points	40,000 points	43,000 – 55,000 points
4	$2,000	2,000 – 10,000 points	2,500 points	4,500 – 12,500 points
5	$2,000	2,000 – 10,000 points	2,500 points	4,500 – 12,500 points
6	$2,000	2,000 – 10,000 points	2,500 points	4,500 – 12,500 points
7	$2,000	2,000 – 10,000 points	2,500 points	4,500 – 12,500 points
8	$2,000	2,000 – 10,000 points	2,500 points	4,500 – 12,500 points
9	$2,000	2,000 – 10,000 points	2,500 points	4,500 – 12,500 points
10	$2,000	2,000 – 10,000 points	2,500 points	4,500 – 12,500 points
11	$2,000	2,000 – 10,000 points	2,500 points	4,500 – 12,500 points
12	$2,000	2,000 – 10,000 points	2,500 points	4,500 – 12,500 points
13	$2,000	2,000 – 10,000 points	2,500 points	4,500 – 12,500 points
14	$2,000	2,000 – 10,000 points	2,500 points	4,500 – 12,500 points
15	$2,000	2,000 – 10,000 points	2,500 points	4,500 – 12,500 points
Total	$27,000	27,000 – 120,000 points	70,000 points	97,000 – 205,000 points

As you can see, during the first year, you can earn a bonus of 70,000 points, in addition to the points accumulated with your purchases. The condition is to strictly meet the minimum spending amount during the allotted period.

And don’t forget that this Card offers an annual $50 credit which is automatically applied to the first purchase of $50 or more made on the card. This brings the annual fee down to $70 instead of $120… every year!

BMO eclipse Visa Infinite Privilege* Card

The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! By applying for this card, you can earn up to 200,000 BMO Rewards points:

80,000 points after $6,000 in purchases within the first 110 days of account opening
40,000 points after $40,000 in purchases within the first 180 days of account opening
80,000 points after $75,000 in purchases within the first 365 days of account opening

Additionally, you benefit from a 0% welcome interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

Plus, you’ll receivea $200 anniversary credit to use as you wish!

As well as a membership to the Visa Airport Companion program with six complimentary visits per year to airport lounges.

With this Card, you can earn 5 BMO Rewards points per dollar spent on:

Groceries
Gas
Drugstores
Travel
restaurants and bars
Food delivery

And 1 BMO Rewards point per dollar spent everywhere else.

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

BMO eclipse rise Visa* Card

The new BMO eclipse rise Visa* Card is a no-annual-fee credit card with travel points, requiring no minimum income.

With this offer, you can earn up to 25,000 points as a welcome bonus:

20,000 points after $1,500 in purchases in the first 3 months
2,500 points when you redeem 12,000 points with the Pay with Points option over a 12-month period
2,500 points when you pay the balance on time for 12 months

What’s more, you can benefit from an interest rate of 0.99% on balance transfers for nine months (a 2% balance transfer fee applies).

With the new BMO eclipse rise Visa* Card, you earn :

5 points for every two dollars spent on recurring bill payments
5 points for every two dollars spent at the grocery store
5 points for every two dollars spent at restaurant and for takeaway
1 point per two dollars of purchases for all other purchase categories

The new BMO eclipse rise Visa* Card also offers:

Mobile Device Insurance
Purchase Protection
Extended warranty insurance

Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.

Which BMO card to choose?

Based on your profile, here is the BMO card to choose:

BMO Ascend World Elite Mastercard: Are you looking for a versatile card for your travels? Try it for the first year, especially since its annual fees are reimbursed anyway. It is perfect for its excellent travel insurance, its 4 free airport lounge accesses worldwide, and its points to use to redeem for travel.
BMO eclipse Visa Infinite* Card: Are you looking for a card because groceries, gas, and restaurants make up a large part of your budget? You get a $50 credit every year and you can use BMO points to pay for a trip from time to time, pay off your credit card balance, or invest them in your BMO investments.
BMO eclipse Visa Infinite Privilege* Card: This is a blend of the first 2 cards above. Its annual fees are higher, but you get so many more benefits if you travel a lot!
BMO eclipse rise Visa* Card: A card with no annual fees and no minimum income requirement. Perfect for beginners.

Frequently Asked Questions about the BMO Rewards Credit Cards Exclusive Offers

Here are frequently asked questions in the milesopedia community about this card.

Which BMO Rewards card has the highest welcome bonus right now?

The BMO eclipse Visa Infinite Privilege currently leads the BMO Rewards lineup with up to 200,000 points, broken into 80,000 points after $6,000 in spend within 110 days, 40,000 points after $40,000 in 180 days, and 80,000 points after $75,000 in 365 days. At 0.667 cents per point, that’s roughly $1,333 in travel redemption value before factoring in the $200 anniversary credit and six lounge passes. The eclipse Visa Infinite tops out at 80,000 points and the Ascend World Elite at 115,000, making the Privilege the obvious pick for high spenders ready to commit to a $499 annual fee.

How do I redeem BMO Rewards points for the best value?

BMO Rewards points are valued at 150 points per dollar, which translates to 0.667 cents per point, and are most commonly redeemed for travel through the BMO Rewards portal. You can book flights, hotels, car rentals, vacation packages, and even cruises directly without surcharges. The Pay with Points feature lets you offset existing card purchases at the same fixed value, but it’s strictly less efficient than travel redemptions because there are no taxes savings or revenue ticket equivalencies. Always book travel through the portal to maximize your effective return on each point earned.

Is the BMO Ascend World Elite Mastercard better than the BMO eclipse Visa Infinite?

The Ascend earns 5x on travel, 3x on dining, entertainment, and recurring bills, making it the right pick for frequent travelers booking flights and hotels outside the BMO portal. The eclipse Visa Infinite earns 5x on groceries, gas, dining, food delivery, and transit, which suits everyday spenders better. Both charge $120 annual fees, but the Ascend includes four lounge passes per year through Mastercard Travel Pass, while the eclipse offers a $50 lifestyle credit. Frequent fliers who don’t have lounge access elsewhere typically pick the Ascend, while category spenders prefer the eclipse.

Can I hold multiple BMO Rewards credit cards at the same time?

Yes, BMO allows cardholders to carry multiple BMO Rewards cards simultaneously, and many Milesopedia members combine the Ascend World Elite with the eclipse Visa Infinite to maximize bonus categories across travel, dining, groceries, and transit. Points earned across all BMO Rewards cards pool into a single rewards account, simplifying redemptions. However, BMO typically restricts double-dipping welcome bonuses on the same card within a 12 to 24 month window, so plan your applications carefully to avoid leaving any sign-up bonus value on the table.

Come to discuss that topic in our Facebook Group!

Marie-Ève Leclerc

Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.

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