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4x travel rewards with $240 in annual hotel credits for $150
The BMO Escape Credit Card delivers $240 in annual hotel credits, PriorityPass lounge access, and 4x points on dining and airfare — all for a $150 annual fee. Points are worth 25% more when redeemed for travel through the BMO Flex Rewards portal, making the 45,000-point welcome bonus worth $562 in travel value.
Annual Fee
$150
Foreign Transaction Fee
$0
Network
Mastercard World
Rewards Currency
BMO Flex Rewards
Credit Required
Excellent
45,000
points
$5,000
Spend Required
3 months
Time Period
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Flights | 4X | Core | any | $3,000/quarterly | |
| Dining | 4X | Core | any | $3,000/quarterly | |
| Hotels | 3X | Core | any | $3,000/quarterly | |
| Travel | 3X | Core | any | $3,000/quarterly | |
| Cruises | 3X | Core | any | $3,000/quarterly | |
| Car Rentals | 2X | Core | any | $3,000/quarterly | |
| Ridesharing | 2X | Core | any | $3,000/quarterly |
Spend $500/month on dining and $200/month on flights = 33,600 points/year ($420 in travel value)
Spend $400/month on hotels and travel = 14,400 points/year ($180 in travel value)
Spend $200/month on Uber and rental cars = 4,800 points/year ($60 in travel value)
Spend $2,000/month on everything else = 24,000 points/year ($300 in travel value)
Benefits & Perks
Reviews & Analysis
Mid-tier travel card with 4x dining/airfare and $240 annual hotel credits. Monthly $20 hotel credit structure is easier to use than annual lump-sum credits. PriorityPass with 2 free visits. Quarterly $3,000 caps on bonus categories limit heavy spenders.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$303
Annual Fee
-$150
Net Annual Value
+$9
Details & Terms
| Purchase APR | 18.49%–27.49% (Variable) |
| Foreign Transaction Fee | $0 |
4X
Top Rate
Combined Protection Value
$3,100
Up to $600 per claim for stolen or damaged phones when you pay your wireless bill with the card. $50 deductible.
Deductible: 50
Extends the original manufacturer's warranty by up to 24 months on items purchased with the card, up to $10,000.
Secondary CDW coverage for rental cars up to 31 days. Covers damage, theft, and up to $500 in loss-of-use charges.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Pre-negotiated roadside assistance for jump-starts, tire changes, towing, and gas delivery billed to your card.
Yahoo Finance syndication of the BMO Escape Card press release covering travel benefits and earn rate structure.
Upgraded Points coverage calling the BMO Escape a solid option for travelers who earn points on flights, hotels, travel expenses, and dining.
Official BMO press release announcing the Escape Credit Card with details on accelerated travel rewards, $240 annual hotel credits, and PriorityPass membership.
Doctor of Credit's breakdown of the BMO Escape launch, noting the in-branch-only application requirement and $3,000/quarter spending caps on bonus categories.
Forbes analysis of BMO's strategic positioning with the Escape Card as an affordable alternative to premium travel cards from Amex, Capital One, and Chase.
Comprehensive review evaluating the 45K bonus, 4x dining/flight rewards, and $240 annual hotel credits. Concludes the card is a solid middle-ground option for moderate travelers.
Reddit community discussion evaluating whether the BMO Escape Card's point multipliers and travel benefits justify the $150 annual fee.
NerdWallet's launch coverage highlighting the 4x on airfare and dining, 3x on hotels, PriorityPass lounge access, and monthly hotel credits at a $150 annual fee.
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Welcome offer |
Up to $1,500 per incident for lost or damaged luggage when you pay for travel with the card. Max 2 claims per year.
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
