The BMO Ascend™ World Elite®* Mastercard®* offers a first year annual fee rebate (regular fee $150/yr). It comes with a welcome bonus of up to 100,000 points. You earn 1x on groceries and 3x at restaurants.

First-Year Annual Fee Rebate
Annual Fee
$150 $0
Rewards rate
1x

BMO Rewards

Our valuation
$820

Milesopedia estimate

Welcome Bonus
100,000 points

(Up to)

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 100,000 points
  • 3x at restaurants

Cons

  • Requires good credit

It comes with a welcome bonus of up to 200,000 points. You earn 5x on groceries and 5x at restaurants.

Annual Fee
$599
Rewards rate
1x

BMO Rewards

Our valuation
$1,340

Milesopedia estimate

Welcome Bonus
200,000 points

(Up to)

Ends Oct 31, 2026

Pros

  • Welcome bonus of up to 200,000 points
  • 5x on groceries
  • 5x at restaurants

Cons

  • High annual fee ($599)
  • Requires good credit

The BMO eclipse rise Visa* Card has no annual fee, making it risk-free to hold. It comes with a welcome bonus of up to 25,000 points. You earn 2.5x on groceries and 2.5x at restaurants.

Annual Fee
$0
Rewards rate
0.5x

BMO Rewards

Our valuation
$168

Milesopedia estimate

Welcome Bonus
25,000 points

(Up to)

Pros

  • No annual fee
  • Welcome bonus of up to 25,000 points
  • 2.5x on groceries
  • 2.5x at restaurants

Cons

  • Fewer premium perks

The BMO VIPorter World Elite®* Mastercard®* offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of up to 70,000 points. You earn 2x on groceries and 2x at restaurants.

First-Year Annual Fee Rebate
Annual Fee
$199 $0
Rewards rate
1x

Porter VIPorter

Our valuation
$1,249

Milesopedia estimate

Welcome Bonus
70,000 points

(Up to)

Ends Oct 31, 2026

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 70,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • High annual fee ($199)
  • Requires good credit

The BMO VIPorter Mastercard®* offers a first year annual fee rebate (regular fee $89/yr). It comes with a welcome bonus of up to 40,000 points. You earn 1x on groceries and 1x at restaurants.

First-Year Annual Fee Rebate
Annual Fee
$89 $0
Rewards rate
0.5x

Porter VIPorter

Our valuation
$689

Milesopedia estimate

Welcome Bonus
40,000 points

(Up to)

Ends Oct 31, 2026

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 40,000 points

Cons

  • Fewer premium perks

The BMO CashBack® World Elite®* Mastercard®* offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of up to $650. You earn 5x on groceries and 1x at restaurants.

First-Year Annual Fee Rebate
Annual Fee
$139 $0
Rewards rate
1x

Cash Back

Our valuation
$789

Milesopedia estimate

Welcome Bonus
$650

(Up to)

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to $650
  • 5x on groceries

Cons

  • Requires good credit

The BMO CashBack® Mastercard®* has no annual fee, making it risk-free to hold. It comes with a welcome bonus of up to $125. You earn 3x on groceries and 0.5x at restaurants.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Our valuation
$125

Milesopedia estimate

Welcome Bonus
$125

(Up to)

Ends Oct 31, 2026

Pros

  • No annual fee
  • Welcome bonus of up to $125
  • 3x on groceries

Cons

  • Fewer premium perks

The BMO Preferred Rate Mastercard®* offers a first year annual fee rebate (regular fee $29/yr).

First-Year Annual Fee Rebate
Annual Fee
$29 $0
Rewards rate
Our valuation
$29

Milesopedia estimate

Welcome offer
First Year Annual Fee Rebate

$29 annual fee rebated

Pros

  • First Year Annual Fee Rebate

Cons

  • No welcome bonus
  • Modest reward rates