BMO Ascend Mastercard
Bank of Montreal · Bmo Rewards · Reward Points
This comprehensive guide covers the BMO Ascend Mastercard's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The BMO Ascend Mastercard from Bank of Montreal offers bmo rewards rewards redeemable as reward points. Top earning categories include 2x points on groceries and more. This card has no annual fee.
Best for: Grocery, Fuel, General Online, Electronics Accessories
Official product page → Official rules →
Annual fee: C$0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 2 pts/$100 2x points on groceries (cap: C$6,000)
- 2 pts/$100 2x points on gas (cap: C$6,000)
- 1 pts/$100 1x points on all other purchases
Important Notes
- 2x grocery capped at $6,000 per year then 1x
- 2x gas capped at $6,000 per year then 1x
- No foreign transaction fees
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
BMO Ascend Mastercard vs Similar Cards
- BMO Air Miles Mastercard — Air Miles · C$0
- BMO Air Miles World Elite Mastercard — Air Miles · C$120
- BMO Ascend World Elite Mastercard — Bmo Rewards · C$149
Maximize Your Rewards
To earn the highest rewards, use the BMO Ascend Mastercard for its bonus categories: Grocery, Fuel, General Online, Electronics Accessories, Dining.