BMO Ascend World Elite Mastercard

Published minimum income $80,000

Relevant if: you use the BMO Rewards program and its documented categories.

Less suitable if: you do not recover at least $150 in value to offset the annual fee.

Estimate with my spending

Futello estimate

Net value, first year

$234.50

The bonus in dollars, minus the fees to earn it.

Fee: $0 in year one ($150 rebate), then $150

Offer verified on November 5, 2026

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Secure link via our official partner Milesopedia. You will be guided to BMO’s site to complete your application.

View calculation details

Offer (first 12 months): $384.50
− First-year fees: $150.00
= First-year net value: $234.50

For a spending profile of $36,000 a year

The offer plus the card’s rewards on this profile. The net value above counts the offer only.

Rewards net of annual fees (balanced scenario): $120
+ First-year fee rebate: $150
+ Offer (first 12 months): $384.50
= Estimate for this profile, offer included: $654.50

Basket breakdown · Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Groceries$11,250
Restaurants$4,500
Gas / charging$4,500
Pre-authorized payments$4,500

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: Up to 115,000 points BMO Rewards
Conditions: 3 tiers, up to $20,000 in spending within 12 months (cumulative total to confirm with the issuer)

See the tier-by-tier detail

Milesopedia : 60 000 points après 5 000 $ de dépenses. Spend $5,000 within Not available

Milesopedia : 20 000 points après 10 000 $ de dépenses. Spend $10,000 within Not available

Milesopedia : 35 000 points après 20 000 $ de dépenses en 12 mois. Spend $20,000 within 12 months
Annual fee rebate: $150
End date: End date not published
Offer quality: Weak Futello rating grid
Last verified: Verified today

Email me if this offer changes

Offer history: too short to compare

Earlier offer · observed in 2026 100,000 points $80,000 in spending within 0 months
October 30, 2026 115,000 points $20,000 in spending within 12 months current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

Category	Reward	Conditions
Entertainment, Pre-authorized payments, and Restaurants	3 points per dollar	$10,000 cap / year · 1 point per dollar after the cap
Travel	5 points per dollar	$15,000 cap / year · 1 point per dollar after the cap
Other purchases	1 point per dollar	No published cap

Role in a strategy

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Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

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