BMO CashBack® World Elite®* Mastercard®*
Annual fee
CA$139
Welcome bonus
CA$650
est. value
Est. 12-mo value
CA$511
bonus × ¢/pt − fee
Base ¢/pt
0.67
up to 0.7¢ sweet spot
Foreign txn
2.5%
Benefits
4 / 10
// $650 CAD bonus − $139 fee = CA$511
Welcome Offer
Get up to $650 in value and annual fees waived first year
Earn Rates
5Groceries
4Transit
3Gas & EV charging
2Recurring bills
1All other purchases
Benefits & Insurance
✓Airport Lounge
·No FX Fee
·Car Rental Insurance
✓Travel Medical
·Trip Cancellation
·Flight Delay
·Mobile Insurance
✓Purchase Protection
✓Extended Warranty
·Free Checked Bags
Key Perks
Food delivery credits
Statement credits
Insurance Detail
trip cancellation
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// last updated 2026-06-18 · est. value = welcome bonus × base ¢/pt − annual fee