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BMO Ascend World Elite®* Mastercard®*
Unlock up to $1,600 in value with premium travel rewards, extensive insurance, and lifestyle perks.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- Welcome Offer: Up to 100,000 Points + Fee Waived (~$1,600 value)
- 4 Complimentary Lounge Passes (DragonPass)
- Excellent Insurance: Travel Medical ($2M), Mobile Device ($1,000)
- Rewards: 5x Travel, 3x Dining/Ent/Bills, 1x Other
- Perks: Instacart+, FlexiRoam Data, 0% Balance Transfer (12mo)
The Bad
- High Income Requirement ($80k personal / $150k household)
- Annual Fee $150 (after first year/rebate)
- Balance Transfer fee of 2% applies
Lounge Access
1 lounge network included
Guest Policy
4 complimentary passes/year (Cardholder or Guest)
Purchase APR
21.99% (Purchases) / 23.99% (Advances)
Credit Score
Excellent (Income $80k+)
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real CA$150 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- CA$520/yr
- Annual fee
- CA$150/yr
- Net for your usage
- +CA$370
At CA$65 per visit, you cover the fee at about 3 visits per year. This card opens 339 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Limited Time Offer
Up to $1,600 Value: 100k Points + Fee Waived
Offer Terms & Eligibility:
100k pts welcome bonus, 1st year fee waiver, 0% Balance Transfer for 12 months (2% fee).Lounge Networks
1 IncludedAdditional Travel Perks
Lounges BMO Ascend World Elite®* Mastercard®* Opens
339 lounges tracked across 172 airports, derived from this card's network coverage.
Showing top 12 airports by lounge count. 160 more airports also have at least one lounge this card opens.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
Mastercard Travel Pass (DragonPass) lounges are available at hundreds of airports worldwide