BMO · Rewards Calculator
BMO Ascend World Elite MastercardRewards Calculator
| Category | Earn Rate |
|---|---|
| Eligible travel purchases | 5 BMO Rewards points per $1 |
| Eligible entertainment purchases | 3 BMO Rewards points per $1 |
| Eligible dining purchases | 3 BMO Rewards points per $1 |
| Recurring bill payments | 3 BMO Rewards points per $1 |
| All other purchases | 1 BMO Rewards point per $1 |
Enter Your Monthly Spending
We'll calculate your BMO Rewards points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your BMO Rewards points earnings with the BMO Ascend World Elite Mastercard.
Or try a quick-fill preset to get started
Ready to apply for the BMO Ascend World Elite Mastercard?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your BMO Rewards points.
Welcome Bonus
Bonus
Up to 100,000 BMO Rewards points
~$667 estimated value
How to Earn It
45,000 BMO Rewards points
Spend $5,000 first 110 days
20,000 BMO Rewards points
Spend $10,000 first 6 months
35,000 BMO Rewards points
Spend $20,000 first 12 months
Offer Expires
2026-10-31
Card Details
- Annual Fee
- $150/yr (1st year waived)
- Additional Card Fee
- Free
- Network
- Mastercard
- Rewards Program
- BMO Rewards
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 23.99%
- Foreign Transaction Fee
- 2.5%
- Min. Income Required
- $80,000
- Lounge Access
- Yes
Insurance & Perks
- Out-of-province/out-of-country emergency medical insurance
- Common carrier insurance
- Car rental collision/loss damage insurance
- Trip cancellation insurance
- Trip interruption insurance
- Flight delay insurance
- Baggage insurance
- Hotel burglary insurance
- Free membership in Mastercard Travel Pass provided by DragonPass plus 4 free lounge passes per year.
How to Use the BMO Ascend World Elite Mastercard Rewards Calculator
This calculator helps you estimate how many BMO Rewards points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the BMO Ascend World Elite Mastercard's earn rates to show you a complete breakdown.
Understanding BMO Ascend World Elite Mastercard Earn Rates
The BMO Ascend World Elite Mastercard earns BMO Rewards points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Eligible travel purchases: 5 BMO Rewards points per $1
- Eligible entertainment purchases: 3 BMO Rewards points per $1
- Eligible dining purchases: 3 BMO Rewards points per $1
- Recurring bill payments: 3 BMO Rewards points per $1
- All other purchases: 1 BMO Rewards point per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the BMO Ascend World Elite Mastercard. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your BMO Rewards points
The true value of your BMO Rewards points depends on how you redeem them. As part of the BMO Rewards program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
Is the $150 Annual Fee Worth It?
The BMO Ascend World Elite Mastercard carries an annual fee of $150. Use this calculator to see whether the value of your earned rewards exceeds the fee. The "Net Value" card in the results shows your estimated rewards value minus the annual fee — if it's positive, you're coming out ahead.