Earn Rates
💡 5x on groceries and dining. BMO Rewards redeemed at ~1cpp via travel.
Welcome Bonus
Smart Bonus Strategy — Earn 34,000 points
See spend breakdown below
Minimum spend bonus
Spend $4,000 in 4 months
optimal stop30,000 pts × 0.7¢+$201Min. spend earnings4,000 pts × 0.7¢+$27
Annual benefits$50 annual lifestyle credit+$120
Annual fee (waived yr 1)$0
Net first-year value+$348
Not Included in Smart Bonus Strategy
20,000 after $7,000 within 180 days
Spend $3,000 in 6 months
Only 4.5% return — optimal tier earns 8.7%
20,000 pts × 0.7¢+$13420,000 after $12,000 within the first year
Spend $5,000 in 12 months
Only 2.7% return — optimal tier earns 8.7%
20,000 pts × 0.7¢+$134Annual Rewards Calculator
Based on average spending, you could earn
$638
conservative est.·up to $638 optimistic
Annual Benefits
$50 annual lifestyle credit
Value: $120 first year
Compare to Similar Cards
BMO Ascend World Elite Mastercard
BMO Rewards0.7¢ exact
$150 annual fee
you could earn$278
View full details →+Add a card to compareSearch by card name