Best Credit Cards with DragonPass Lounge Access in Canada - October 2026

Get up to $1,900 in value, including up to 115,000 points, up to $200 in Instacart benefits, the Mastercard Travel Pass program and 4 complimentary airport lounge passes, the statement credit for NEXUS and the annual fee waived in the first year for the primary cardholder and authorized users.*

Plus, get 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*

• 5x the points for every dollar spent on eligible travel*, 3x the points for every dollar spent on eligible restaurant dining*, entertainment and eligible recurring bill payments*, 1 point for every dollar spent in other purchase categories*
• Free membership to the Mastercard Travel Pass app provided by DragonPass*, and four complimentary passes per year*
• Extended Warranty* and Purchase Protection*
• BMO Ascend^™ World Elite^®* Total Travel and Medical Protection:
  Get Collision Damage Waiver benefits on rental cars, 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*
• Up to $200 Instacart benefit*

Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend, and pay no annual fee in your first year.*

• Earn 3 points for every $1 spent on Porter purchases*
• Earn 2 points for every $1 spent on gas and transportation
• Earn 2 points for every $1 spent on groceries and dining
• Earn 2 points for every $1 spent on hotel accommodations
• Earn 1 point for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Venture)
• One round-trip companion pass per year^†
• 1 complimentary checked bag*
• 1 complimentary carry-on bag on all Porter fare types*
• Free PorterClassic seat selection*
• Priority security*
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No expiration of VIPorter points.
• Earn $1 of qualifying spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 21-day out-of-province or country emergency medical insurance
• Trip Cancellation/Interruption/Delay insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary insurance

Purchasing insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
• Save up to 20% on National Car Rental^® and Alamo Rent A Car^® and up to 5% on Enterprise Rent-A-Car^® at locations worldwide using the Car Rental Booking tool
• Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.

Welcome Offer: Get up to $1,600 in value and the annual fee waived in the first year. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee*.

• Earn 10 Points for every $1 spent at participating Blue Rewards Partners, up to $25,000 in net purchases per calendar year*
• Earn 2 Points for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchases, up to $500 per category, per statement cycle*
• Earn 1 Point for every $1 spent on everything else*

Benefits

• Up to $1,600 in value*
• $200 NEXUS Statement Credit in your first year*
• Airport lounge access with complimentary membership in Mastercard Travel Pass provided by DragonPass, plus 4 free passes per calendar year.*
• Earn additional Points on top of your credit card Points when you use your physical or digital Blue Rewards Member Card at checkout*
• Get the $150 annual fee rebated annually with our BMO Premium Chequing Account*
• Unlock exclusive offers at top brands through Blue Rewards offers
• Out-of-province/out-of-country emergency medical insurance up to $5 million per insured person, per trip – up to 15 consecutive days.*
• Get up to 15% off a Global Data Roaming plan and up to 3GB of data without any additional charges with FlexiRoam.*
• Save up to 20% on National Car Rental^® and Alamo Rent A Car^® and up to 5% on Enterprise Rent-A-Car^® at locations worldwide using the Car Rental Booking tool
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*
• Extended warranty and purchase protection*
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

• 3% in BONUSDOLLARS for your purchases in the Grocery category (up to $10,000 in annual purchases – beyond that, the earn rate decreases to 1%)
• 3% in BONUSDOLLARS for your purchases in the Restaurant category (up to $6,000 in annual purchases – beyond that, the earn rate decreases to 1%)
• 2% in BONUSDOLLARS for your purchases in the Entertainment, Travel, and Public Transportation categories
• 1% in BONUSDOLLARS for your other purchases

Welcome offer:

• Get up to $1,500 in value*! This includes up to 100,000 BMO Rewards points as a bonus in the first year (a value of $669)*.

Here’s how the welcome offer adds up:

• $135 in value (20,000 BMO Rewards Points) when you make your first purchase*
• Up to $535 in value (8,000 BMO Rewards Points from months 3-12) when you spend $3,000 each month*
• $701 in value from your premium benefits*
• Plus, your $149 annual fee is waived in the first year*
• 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*
• Earn 4 BMO Rewards points for every dollar spent on eligible gas and office supply purchases, as well as cell phone and Internet bill payments.
• Earn 1.5 BMO Rewards points for every $1 you spend*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass, with two annual complimentary passes*
• Save up to 7¢ per litre at all Shell^® gas stations±, regardless of fuel type*

Get up to $1,220* in value, plus fuel savings with participating Shell stations, in your first year.

Earn a 50,000 Scene+^® points Welcome Bonus with the Tangerine^® Rewards World Elite Mastercard^®*. Apply by January 31, 2027 and start earning up to $1,220 in value* in your first year, including:

• $500 value — 50,000 Scene+ points: Spend $5,000 in Net Purchases in the first 3 months to earn the Welcome Bonus.*
• $100 value — 10,000 Scene+ points: Get the Annual Spend Reward by spending $30,000 in Net Purchases in a year.*
• $291 value — airport lounge access: Complimentary DragonPass membership through Mastercard Travel Pass, with 4 complimentary lounge visits annually.*
• $330 value — first-year points earned: Estimated 33,000 Scene+ points on $30,000 in annual Net Purchases, including $6,000 in 1.5x accelerator categories and $24,000 in all other categories.*

Earn 1.5 Scene+ points per $1 in 3 Accelerator Categories. Choose from 13 Categories and you can even switch them every 90 days.* Plus, get 1 Scene+ point per $1 spent on everything else, with no earning limit.*

Total of 13 Reward Categories:

• Grocery
• Restaurants
• Gas
• Public Transportation and Parking
• Entertainment
• Furniture
• Home Improvement
• Hotel-Motel
• Drug Store
• Recurring Bill Payments
• E-Games
• Fitness and Sports Clubs
• Foreign Currency Spend

Save on fuel with Shell
Link your card to Shell Go+ in the Tangerine mobile app or on the Tangerine website to unlock up to 10¢/L in value at participating Shell stations: instant savings of 3¢/L on any grade of Shell fuel, an additional 4¢/L instant savings on Shell V-Power^® fuel, and up to 3¢/L in Scene+ points value on Shell V-Power^® fuel.*

Premium protection and perks
Travel insurance, mobile device insurance and Event Ticket Protection*, plus exclusive access to The Mastercard Collection.*

Transfer and save
During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.* Conditions apply.

Spend confidently with the Tangerine^® Rewards World Elite Mastercard^®*. Have peace of mind knowing you’re covered with Purchase Assurance and Extended Warranty* of up to $60,000 (lifetime maximum).