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BMO Ascend World Elite Mastercard
加拿大信用卡

BMO Ascend World Elite Mastercard

BMO Bank of Montreal · 年费 CA$150 CAD · BMO Rewards Points · 数据刷新 2026年10月3日

一句话结论: BMO Ascend World Elite Mastercard 年费 CA$150,MaxWorth 数据库里录有 13 项福利,其中 3 项是有金额的 credit,面值合计 CA$290/年;返点倍率最高的类别是旅行(5x)。开卡奖励:Earn up to 115,000 BMO Rewards points: 60,000 points after $5,000 in purchases within 110 days, 20,000 points after $10,000 within 180 days, and 35,000 points after $20,000 within 365 days. First year annual fee waived.。MaxWorth 是目前唯一对加拿大卡做人工核对福利追踪的 App,不需要网银登录。

返点倍率

类别倍率折算返现
旅行5x3.35%
餐饮3x2.01%
娱乐3x2.01%
Recurring Bills3x2.01%
其他消费1x0.67%

折算返现 = 倍率 × MaxWorth 对该积分体系的估值,见 方法论.

报销额度 (Credits) (3)

4 Airport Lounge Passes

CA$120/年
每年

4 complimentary airport lounge visits per year via Mastercard Travel Pass powered by DragonPass. Access to 1,000+ airport lounges worldwide. Each visit valued at approximately $30.

$10 Monthly Instacart Credit

CA$120/年
每月

Earn a $10 Instacart credit each month when you sign up with your eligible BMO credit card. Valid on orders of $35 or more. Benefit for eligible BMO credit cardholders is valid through October 31, 2027.

Instacart+ 6-Month Membership

CA$50/年

Enjoy six months of complimentary Instacart+ membership when you sign up with your BMO Ascend World Elite Mastercard. Instacart+ includes free delivery on orders over $35, reduced service fees, and exclusive savings.

保险保障 (10)

Travel Emergency Medical Insurance

CA$150/年
每年

Up to $5,000,000 in coverage per person for emergency medical expenses incurred during travel outside your province of residence, for trips of up to 21 consecutive days. For cardholders age 64 or under. Includes hospitalization, emergency treatment, prescribed medications, emergency medical transport, and repatriation.

Purchase Protection

CA$60/年
每年

Coverage against accidental loss, damage, or theft for items purchased with your BMO Ascend World Elite Mastercard for 90 days from the date of purchase. Up to $10,000 per item.

Rental Car Collision Coverage

CA$60/年
每年

Covers collision damage and theft for rental vehicles with a value up to $65,000 for rental periods of up to 48 days. Includes personal effects coverage up to $1,000 per person. Rental must be charged entirely to the card.

Trip Cancellation Insurance

CA$50/年
每年

Covers prepaid, non-refundable travel expenses if you must cancel your trip before departure. Up to $1,500 per insured person and $5,000 maximum per trip. Eligible reasons include illness, injury, death, severe weather, and property damage. Trip must be fully charged to the card.

Trip Interruption Insurance

CA$50/年
每年

Reimburses unused travel expenses if your trip is interrupted mid-journey. Up to $2,000 per insured person and $10,000 maximum per trip. Covers medical emergencies, family member death, and transportation delays.

Extended Warranty

CA$40/年
每年

Extends the manufacturer's original warranty by up to one additional year on eligible items purchased entirely with your BMO Ascend World Elite Mastercard. Coverage up to $60,000. Maximum total warranty period of 5 years.

Flight Delay Insurance

CA$30/年
每年

Up to $500 per trip when your scheduled flight is delayed by 4 or more hours. Covers reasonable expenses for meals, accommodation, and transportation. Requires at least partial ticket charge to the card.

Baggage Insurance

CA$30/年
每年

Up to $500 per covered person ($1,000 maximum per account per trip) for lost, stolen, or damaged baggage. Up to $1,000 for essential purchases when baggage is delayed by the common carrier for 12 or more hours.

Travel Accident Insurance

CA$20/年
每年

Up to $500,000 coverage for accidental loss of life or dismemberment while travelling as a fare-paying passenger on a common carrier. Requires 100% of the ticket cost charged to the card.

Hotel Burglary Insurance

CA$15/年
每年

Up to $1,000 per occurrence for stolen or damaged personal belongings from locked hotel or motel rooms or cruise ship cabins during your trip.

怎么追踪

把 BMO Ascend World Elite Mastercard 加进 MaxWorth,上面每项 credit 带着周期出现,到期前推送提醒,年费回本率按你标记的已用金额计算。全程不连接加拿大银行账户。 加拿大卡追踪覆盖说明.

BMO Bank of Montreal 的其他卡

来源:发卡行公布的条款,由 MaxWorth 人工录入并持续核验;金额为 CAD. 方法论.