BMO World Elite Mastercard 信用卡简介

BMO World Elite Mastercard 给我的第一个感觉就是很好看，黑黑的，似乎很高端的样子。而且最近我也在尝试的更新自己的信用卡，所以对这张卡做了一些小小的了解。其实这张卡也是挺高端的。150元的年费，应该让很多人都望而却步了。因为这张卡比RBC的 Visa Infinite Avion 的120元年费还要贵30加币呢。不过这张卡并不是适合每一个人。

• 你大部分的消费是超市购物，加油，或者餐馆的话，我建议你去申请Capital One 的Costco的信用卡，并不推荐这一张，除非
• 你喜欢坐飞机旅游，这张卡，可以让你进入LoungeKey的休息室，感觉是一个小小的降级，毕竟数量上LoungeKey的数量上比Priority Pass要少。一年可以让你有四次机会去飞机场的贵宾室休息。此外如果你仔细阅读条款”Benefits provided by Priority Pass Inc. Value of the Priority Pass membership is calculated as follows: standard membership (US$99) plus 4 free VIP lounge visits per membership year for you and any accompanying guest(s) (worth US$108). ”
• 而且这张卡带了31一年旅行医疗费用保险。

这张卡，更适合喜欢旅行的朋友，因为他的计算方式简单而且暴力，eligible travel, dining and entertainment purchases一加币累计3点，其他消费，一元累计2点，一点，相当于0.02，如果以Cash Back来计算的话，应该可以说是2%的Cash Back。不过当然，前提是你用点数来换机票的前提下，如果你用来换现金的话，我说了我并不建议你申请这张卡。因为没有意义。那时候你的Cash Back只能算做1%，那么就不是很实惠了。

其次我推荐这张卡的原因，是因为这张卡所附带的福利还是不错的。

Insurance Benefits

The BMO World Eilte Mastercard comes with the following insurance coverages:

Travel Medical Insurance (up to $2M)

Travel Medical Insurance is a pretty big deal for this card. Most cards will offer medical coverage for up to 21 days out of the province if you are under 65, and sometimes up to 5 or 10 if you are under 65. The great thing about this card is that you can buy up to 31 days of coverage for a reasonable rate. To buy up to 31 days of travel medical coverage, the rates are:

If you are over 65, travel medical insurance tends to be very expensive so getting access to this coverage, with no medical questionnaire is a great benefit that is not offered by many other cards.

The coverage is also capped at $2M, while many other cards cap it at $1M.

Airport Lounge Access

Some cards offer a discount on Priority Pass, which will give you the ability to pay to get into the lounges. The BMO World Elite will pay for your membership fee each year (worth at least $65). Each time you access the lounge with Priority Pass, it will cost you $27. With the BMO World Elite card, you get 4 of these passes each year.

Other Insurance Coverage

• Trip Interruption & Cancellation Insurance (up to $2500 / person)
• Flight Delay ($500 per person for delays of 6 hours)
• Delayed & Lost Luggage Insurance (up to $500/ item)
• Common Carrier Travel Accident Insurance (up to $500,000)
• Rental Car Collision/Loss Damage Insurance
• Purchase Security & Extended Warranty Insurance (Additional 1 year on manufacturer warranty and 90 days against theft, damage)

下面做一个小结吧。

The Good

• eligible travel, dining and entertainment purchases的消费3%的累计，其他消费2%
• 现在注册免第一年的年费，还有价值35000点的旅游点数
• LoungeKey提供的飞机场贵宾室服务
• 31天的医疗旅游保险

The Bad

• 年费$150偏高
• 你必须通过BMO来购买旅行机票
• 外汇转换率为2.5%

下面是申请连接
 Bank of Montreal World Elite Card Link

大家可以等到我的卡到了，我再来更新其他的信息。
其他的Update：

今天收到了这张卡，其实我感觉塑料味重了一点，颜值太差了,一点也没有高端卡的感觉，用起来软趴趴的吧。现在这款World Elite给我的感觉就是颜色黑了一些。不过作为一张旅游奖励卡，这张卡的诚意满满。此外，还送了每年4次的Priority Pass，也算是不错的诚意了。不过这个会员卡的code需要自己去申请。开卡礼包里面有带有Code，当然你也可以打电话过去要，很简单。

已经持卡一年了，而且还有别的卡，提供差不多的服务，所以取消了。