BMO Ascend™ World Elite®* Mastercard®*
BMO
- Annual fee
- $1501st year free
- Foreign fee
- 2.5%
- Annual fee
- $150 $0
- Base Rewards Rate
- 1x
- Welcome bonus
- 100,000 points
BMO Rewards
(Up to)
Applications are submitted to BMO
BMO Ascend™ World Elite®* Mastercard®* vs TD First Class Travel® Visa Infinite* Card
A field-by-field comparison of BMO Ascend™ World Elite®* Mastercard®* and TD First Class Travel® Visa Infinite* Card, built from the same card data that powers our comparison tools. Every figure below traces back to a data field — nothing here is an editorial estimate.
TD First Class Travel® Visa Infinite* Card
TD
- Annual fee
- $1391st year free
- Foreign fee
- 2.5%
- Annual fee
- $139 $0
- Base Rewards Rate
- 2x
- Welcome bonus
- 146,000 points
TD Rewards
(Up to)
Applications are submitted to TD
Key features at a glance
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Issuer | BMO | TD |
| Network | ||
| Program | BMO Rewards | TD Rewards |
| Point default value | 0.67¢/point | 0.5¢/point |
| Annual fee | $0 | $0 |
| Foreign transaction fee | 2.5% | 2.5% |
| Min. annual income | $80,000+ | $60,000+ |
| All purchases | 1x | 2xBetter on this row |
| Groceries | 1x | 6xBetter on this row |
| Gas | 1x | 2xBetter on this row |
| Purchase interest rate | 21.99% | 21.99% |
The short answer
- Year oneBMO Ascend™ World Elite®* Mastercard®* wins 0 of 6 profiles, TD First Class Travel® Visa Infinite* Card wins 6, and 0 are too close to call.Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
- Every year afterBMO Ascend™ World Elite®* Mastercard®* wins 0 of 6 profiles, TD First Class Travel® Visa Infinite* Card wins 6, and 0 are too close to call.The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
- TD First Class Travel® Visa Infinite* Card unlocks its bonus after $7,500 of spending over 6 months, $12,500 less than BMO Ascend™ World Elite®* Mastercard®* at $20,000 over 12 months.
- BMO Ascend™ World Elite®* Mastercard®* asks for a household income of $150,000 — $50,000 more than TD First Class Travel® Visa Infinite* Card at $100,000.
- Travel: BMO Ascend™ World Elite®* Mastercard®* earns 5x (3.35% back per dollar), against 2x (1% back per dollar) on TD First Class Travel® Visa Infinite* Card.
Where each card wins
BMO Ascend™ World Elite®* Mastercard®*
In its favour
- Travel: BMO Ascend™ World Elite®* Mastercard®* earns 5x (3.35% back per dollar), against 2x (1% back per dollar) on TD First Class Travel® Visa Infinite* Card.
- BMO Ascend™ World Elite®* Mastercard®* opens DragonPass (4 visits a year); TD First Class Travel® Visa Infinite* Card grants no lounge access.
- Telecom: BMO Ascend™ World Elite®* Mastercard®* earns 3x (2.01% back per dollar), against 2x (1% back per dollar) on TD First Class Travel® Visa Infinite* Card.
Against it
- BMO Ascend™ World Elite®* Mastercard®* asks for a household income of $150,000 — $50,000 more than TD First Class Travel® Visa Infinite* Card at $100,000.
- BMO Ascend™ World Elite®* Mastercard®* asks for a personal income of $80,000 — $20,000 more than TD First Class Travel® Visa Infinite* Card at $60,000.
TD First Class Travel® Visa Infinite* Card
In its favour
- TD First Class Travel® Visa Infinite* Card unlocks its bonus after $7,500 of spending over 6 months, $12,500 less than BMO Ascend™ World Elite®* Mastercard®* at $20,000 over 12 months.
- Groceries: TD First Class Travel® Visa Infinite* Card earns 6x (3% back per dollar), against 1x (0.67% back per dollar) on BMO Ascend™ World Elite®* Mastercard®*.
- Transit: TD First Class Travel® Visa Infinite* Card earns 6x (3% back per dollar), against 1x (0.67% back per dollar) on BMO Ascend™ World Elite®* Mastercard®*.
- TD First Class Travel® Visa Infinite* Card opens Visa Airport Companion Program (4 visits a year); BMO Ascend™ World Elite®* Mastercard®* grants no lounge access.
- Restaurants: TD First Class Travel® Visa Infinite* Card earns 6x (3% back per dollar), against 3x (2.01% back per dollar) on BMO Ascend™ World Elite®* Mastercard®*.
- TD First Class Travel® Visa Infinite* Card includes Mobile device, which BMO Ascend™ World Elite®* Mastercard®* does not.
Against it
No material difference in this card's favour was found in the data we compare.
Welcome offer
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Welcome bonusNot comparable in the same units | 100,000 points | 146,000 points |
| Our valuationDepends on how you spend | $820 | $969 |
Income required
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Min. annual income | $80,000+ | $60,000+ |
| Min. household income | $150,000+ | $100,000+ |
Earning rewards
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Groceries | 1x | 6xBetter on this row |
| Restaurants | 3x | 6xBetter on this row |
| Gas | 1x | 2xBetter on this row |
| Local transit | 1x | 6xBetter on this row |
| Travel | 5xBetter on this row | 2x |
| Pharmacies | 1x | 2xBetter on this row |
| Convenience stores | 1x | 2xBetter on this row |
| Streaming | 3xBetter on this row | 4x |
| Telecom | 3xBetter on this row | 2x |
| Entertainment | 3xBetter on this row | 2x |
| Recurring payments | 3xBetter on this row | 4x |
| Online purchases | 1x | 2xBetter on this row |
| Office supplies | 1x | 2xBetter on this row |
| All purchases | 1x | 2xBetter on this row |
Benefits
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Airport lounge access | DragonPass4 visits | Visa Airport Companion Program4 visits |
| Concierge | ✗ | ✓ |
| Priority boarding | ✗ | ✗ |
| Wi-Fi access | ✗ | ✗ |
| Travel credit | ✗ | $100Better on this row |
Annual fee and rates
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Additional card | $50 | $50 |
| Foreign transaction fee | 2.5% | 2.5% |
| Purchase interest rate | 21.99% | 21.99% |
| Purchase rate (Quebec) | 21.99% | 21.99% |
| Cash advance rate | 23.99% | 22.99% |
Insurance
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Travel accident | $500,000 | $500,000 |
| Travel medical | $2,000,000 | $2,000,000 |
| Trip cancellation | $1,500 | $1,500 |
| Trip interruption | $2,000 | $5,000Better on this row |
| Flight delay | $500 | $500 |
| Delayed baggage | $500 | $1,000Better on this row |
| Lost baggage | $500 | $1,000Better on this row |
| Car rental | $65,000 | $65,000 |
| Hotel burglary | $1,000 | $2,500Better on this row |
| Mobile device | ✗ | $1,000Better on this row |
| Purchase protection | ✓ | ✓ |
| Extended warranty | ✓ | ✓ |
Card details
Which one wins, by spending profile
Grocery-heavy household
A family basket weighted towards groceries and everyday spending.
Assumes $54,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Rewards earned | $655.26 | $1,059 |
| Annual fee | $0 | $0 |
| Welcome bonus | $670 | $730 |
| Net value | $1,325.26 | $1,789 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Rewards earned | $655.26 | $1,059 |
| Annual fee | −$150 | −$139 |
| Recurring credits | $0 | $100 |
| Net value | $505.26 | $1,020 |
Show the per-category math
| Category | Spending | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $13,800 | 1xbase rate | $92.46 | 6x | $414 |
| Gas & EV | $4,200 | 1xbase rate | $28.14 | 2xbase rate | $42 |
| Transit | $2,700 | 1xbase rate | $18.09 | 6x | $81 |
| Restaurants | $4,800 | 3x | $96.48 | 6x | $144 |
| Pharmacy | $900 | 1xbase rate | $6.03 | 2xbase rate | $9 |
| Travel | $1,500 | 5x | $50.25 | 2xbase rate | $15 |
| Bills & recurring payments | $5,100 | 3x | $102.51 | 4x | $102 |
| Telecom | $4,800 | 3x | $96.48 | 2xbase rate | $48 |
| Entertainment & streaming | $4,200 | 3x | $84.42 | 4x | $84 |
| Office supplies | $0 | 1xbase rate | $0 | 2xbase rate | $0 |
| Other | $12,000 | 1xbase rate | $80.40 | 2xbase rate | $120 |
Light spender
A modest basket where an annual fee weighs heavily.
Assumes $21,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Rewards earned | $265.32 | $402 |
| Annual fee | $0 | $0 |
| Welcome bonus | $670 | $730 |
| Net value | $935.32 | $1,132 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Rewards earned | $265.32 | $402 |
| Annual fee | −$150 | −$139 |
| Recurring credits | $0 | $100 |
| Net value | $115.32 | $363 |
Show the per-category math
| Category | Spending | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $4,800 | 1xbase rate | $32.16 | 6x | $144 |
| Gas & EV | $1,800 | 1xbase rate | $12.06 | 2xbase rate | $18 |
| Transit | $900 | 1xbase rate | $6.03 | 6x | $27 |
| Restaurants | $2,100 | 3x | $42.21 | 6x | $63 |
| Pharmacy | $600 | 1xbase rate | $4.02 | 2xbase rate | $6 |
| Travel | $600 | 5x | $20.10 | 2xbase rate | $6 |
| Bills & recurring payments | $2,100 | 3x | $42.21 | 4x | $42 |
| Telecom | $2,400 | 3x | $48.24 | 2xbase rate | $24 |
| Entertainment & streaming | $1,500 | 3x | $30.15 | 4x | $30 |
| Office supplies | $0 | 1xbase rate | $0 | 2xbase rate | $0 |
| Other | $4,200 | 1xbase rate | $28.14 | 2xbase rate | $42 |
Everyday couple
A balanced two-person basket across groceries, dining and bills.
Assumes $36,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Rewards earned | $458.28 | $714 |
| Annual fee | $0 | $0 |
| Welcome bonus | $670 | $730 |
| Net value | $1,128.28 | $1,444 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Rewards earned | $458.28 | $714 |
| Annual fee | −$150 | −$139 |
| Recurring credits | $0 | $100 |
| Net value | $308.28 | $675 |
Show the per-category math
| Category | Spending | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $9,000 | 1xbase rate | $60.30 | 6x | $270 |
| Gas & EV | $2,400 | 1xbase rate | $16.08 | 2xbase rate | $24 |
| Transit | $1,800 | 1xbase rate | $12.06 | 6x | $54 |
| Restaurants | $3,600 | 3x | $72.36 | 6x | $108 |
| Pharmacy | $600 | 1xbase rate | $4.02 | 2xbase rate | $6 |
| Travel | $1,200 | 5x | $40.20 | 2xbase rate | $12 |
| Bills & recurring payments | $3,000 | 3x | $60.30 | 4x | $60 |
| Telecom | $3,600 | 3x | $72.36 | 2xbase rate | $36 |
| Entertainment & streaming | $3,600 | 3x | $72.36 | 4x | $72 |
| Office supplies | $0 | 1xbase rate | $0 | 2xbase rate | $0 |
| Other | $7,200 | 1xbase rate | $48.24 | 2xbase rate | $72 |
Retiree
A basket tilted towards groceries, pharmacy and travel.
Assumes $27,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Rewards earned | $337.68 | $534 |
| Annual fee | $0 | $0 |
| Welcome bonus | $670 | $730 |
| Net value | $1,007.68 | $1,264 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Rewards earned | $337.68 | $534 |
| Annual fee | −$150 | −$139 |
| Recurring credits | $0 | $100 |
| Net value | $187.68 | $495 |
Show the per-category math
| Category | Spending | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $7,200 | 1xbase rate | $48.24 | 6x | $216 |
| Gas & EV | $2,100 | 1xbase rate | $14.07 | 2xbase rate | $21 |
| Transit | $1,200 | 1xbase rate | $8.04 | 6x | $36 |
| Restaurants | $2,400 | 3x | $48.24 | 6x | $72 |
| Pharmacy | $600 | 1xbase rate | $4.02 | 2xbase rate | $6 |
| Travel | $900 | 5x | $30.15 | 2xbase rate | $9 |
| Bills & recurring payments | $2,700 | 3x | $54.27 | 4x | $54 |
| Telecom | $2,700 | 3x | $54.27 | 2xbase rate | $27 |
| Entertainment & streaming | $2,100 | 3x | $42.21 | 4x | $42 |
| Office supplies | $0 | 1xbase rate | $0 | 2xbase rate | $0 |
| Other | $5,100 | 1xbase rate | $34.17 | 2xbase rate | $51 |
International traveller
A couple's basket with a quarter of the spending charged in another currency.
Assumes $36,000 of card spending a year, of which 25% is charged in a foreign currency (a scenario assumption, not measured data)
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Rewards earned | $458.28 | $714 |
| Foreign transaction fees | −$225 | −$225 |
| Annual fee | $0 | $0 |
| Welcome bonus | $670 | $730 |
| Net value | $903.28 | $1,219 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Rewards earned | $458.28 | $714 |
| Foreign transaction fees | −$225 | −$225 |
| Annual fee | −$150 | −$139 |
| Recurring credits | $0 | $100 |
| Net value | $83.28 | $450 |
Show the per-category math
| Category | Spending | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $9,000 | 1xbase rate | $60.30 | 6x | $270 |
| Gas & EV | $2,400 | 1xbase rate | $16.08 | 2xbase rate | $24 |
| Transit | $1,800 | 1xbase rate | $12.06 | 6x | $54 |
| Restaurants | $3,600 | 3x | $72.36 | 6x | $108 |
| Pharmacy | $600 | 1xbase rate | $4.02 | 2xbase rate | $6 |
| Travel | $1,200 | 5x | $40.20 | 2xbase rate | $12 |
| Bills & recurring payments | $3,000 | 3x | $60.30 | 4x | $60 |
| Telecom | $3,600 | 3x | $72.36 | 2xbase rate | $36 |
| Entertainment & streaming | $3,600 | 3x | $72.36 | 4x | $72 |
| Office supplies | $0 | 1xbase rate | $0 | 2xbase rate | $0 |
| Other | $7,200 | 1xbase rate | $48.24 | 2xbase rate | $72 |
Frequent foreign spender
A deliberately aggressive scenario: half of all spending charged in another currency.
Assumes $31,800 of card spending a year, of which 50% is charged in a foreign currency (a scenario assumption, not measured data)
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Rewards earned | $410.04 | $609 |
| Foreign transaction fees | −$397.50 | −$397.50 |
| Annual fee | $0 | $0 |
| Welcome bonus | $670 | $730 |
| Net value | $682.54 | $941.50 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card |
|---|---|---|
| Rewards earned | $410.04 | $609 |
| Foreign transaction fees | −$397.50 | −$397.50 |
| Annual fee | −$150 | −$139 |
| Recurring credits | $0 | $100 |
| Net value | −$137.46 | $172.50 |
Show the per-category math
| Category | Spending | BMO Ascend™ World Elite®* Mastercard®* | TD First Class Travel® Visa Infinite* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $6,000 | 1xbase rate | $40.20 | 6x | $180 |
| Gas & EV | $2,100 | 1xbase rate | $14.07 | 2xbase rate | $21 |
| Transit | $1,800 | 1xbase rate | $12.06 | 6x | $54 |
| Restaurants | $4,200 | 3x | $84.42 | 6x | $126 |
| Pharmacy | $600 | 1xbase rate | $4.02 | 2xbase rate | $6 |
| Travel | $900 | 5x | $30.15 | 2xbase rate | $9 |
| Bills & recurring payments | $3,000 | 3x | $60.30 | 4x | $60 |
| Telecom | $3,600 | 3x | $72.36 | 2xbase rate | $36 |
| Entertainment & streaming | $2,100 | 3x | $42.21 | 4x | $42 |
| Office supplies | $0 | 1xbase rate | $0 | 2xbase rate | $0 |
| Other | $7,500 | 1xbase rate | $50.25 | 2xbase rate | $75 |
Frequently asked questions
Which costs less per year, BMO Ascend™ World Elite®* Mastercard®* or TD First Class Travel® Visa Infinite* Card?
TD First Class Travel® Visa Infinite* Card charges $139 a year, against $150 for BMO Ascend™ World Elite®* Mastercard®*.
Which is better for spending in another currency, BMO Ascend™ World Elite®* Mastercard®* or TD First Class Travel® Visa Infinite* Card?
Both charge 2.5% on purchases in another currency.
Which card comes out ahead, BMO Ascend™ World Elite®* Mastercard®* or TD First Class Travel® Visa Infinite* Card?
It depends on how you spend. Across the 6 spending profiles on this page, BMO Ascend™ World Elite®* Mastercard®* wins 0 in year one, TD First Class Travel® Visa Infinite* Card wins 6, and 0 are too close to call.
Do these earn rates have spending caps?
Yes — where a card caps a category, the ceiling is stated next to the rate on this page, along with what the card earns beyond it.
How we compare
- Every figure on this page is read from the card data we maintain — annual fees, foreign transaction fees, earn rates, spending caps, welcome offers, insurance and lounge access.
- Points are valued at our published valuation for each card's loyalty program. Cash back is counted at face value.
- The spending profiles are standard baskets, not your spending. The share charged in a foreign currency is a stated scenario assumption.
- Year one and the years after are kept separate: the welcome bonus and any first-year fee waiver only count in year one.
- We may earn a commission when you apply through the links on this page. It never changes the figures above — they come from the same data for every card.
Ready to apply?
Applications are submitted on the issuer's own site. Nothing you read above changes if you apply from here.
- Annual fee
- $150 $0
- Base Rewards Rate
- 1x
- Welcome bonus
- 100,000 points
BMO Rewards
(Up to)
Applications are submitted to BMO
- Annual fee
- $139 $0
- Base Rewards Rate
- 2x
- Welcome bonus
- 146,000 points
TD Rewards
(Up to)
Applications are submitted to TD