BMO Escape
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
- points · Welcome Bonus
- 45,000
- Top Rate
- 4X
Terms checked against the issuer on November 3, 2026
At a Glance
- Annual Fee
- $150
- Foreign Transaction Fee
- $0
- Network
- Mastercard World
- Rewards Currency
- BMO Flex Rewards
- Credit Required
- Excellent
Welcome Offer
45,000
points
$5,000
Spend Required
3 months
Time Period
Earning Rates
- 4X
Flights
4x on airfare, up to $3,000/quarter combined with dining
Cap: $3,000/quarterly
- 4X
Dining
4x on dining, up to $3,000/quarter combined with airfare
Cap: $3,000/quarterly
- 3X
Hotels
3x on hotels, up to $3,000/quarter combined with tours/travel agencies/cruises
Cap: $3,000/quarterly
- 3X
Travel
3x on tours and travel agencies, up to $3,000/quarter combined with hotels/cruises
Cap: $3,000/quarterly
- 3X
Cruises
3x on cruises, up to $3,000/quarter combined
Cap: $3,000/quarterly
- 2X
Car Rentals
2x on car rentals, up to $3,000/quarter combined with taxis/rideshares
Cap: $3,000/quarterly
- 2X
Ridesharing
2x on rideshares, up to $3,000/quarter combined
Cap: $3,000/quarterly
Earning Scenarios
4x points on airfare and dining
Spend $500/month on dining and $200/month on flights = 33,600 points/year ($420 in travel value)
3x points on hotels, tours, and cruises
Spend $400/month on hotels and travel = 14,400 points/year ($180 in travel value)
2x points on rideshares, taxis, and car rentals
Spend $200/month on Uber and rental cars = 4,800 points/year ($60 in travel value)
Unlimited 1x points on all other purchases
Spend $2,000/month on everything else = 24,000 points/year ($300 in travel value)
Benefits & Perks
Travel Benefits
3 perksGeneral Travel
Concierge
Annual Credits & Statement Credits
2 creditsUp to
$246.25
in recurring credits (annual) · Plus $240 first-year / eligibility-dependent
$100 Global Entry/TSA PreCheck
Up to $100 credit every 4 years for Global Entry, TSA PreCheck, or NEXUS application fees.
$100
Every 4 years
$20/mo hotel credit
Enjoy a $20 monthly statement credit when you use your card and spend $200 per month at hotels worldwide.
$20
Monthly
Lounge Access
2 free PriorityPass lounge visits per year
Complimentary PriorityPass membership with 2 free lounge visits worldwide. Additional visits $35 each.
Insurance & Protections
8 protections$600/claim cell phone protection
$600
secondary
Up to $600 per claim for stolen or damaged phones when you pay your wireless bill with the card. $50 deductible.
View conditions
Deductible: 50
Double manufacturer warranty up to 24 months
Extends the original manufacturer's warranty by up to 24 months on items purchased with the card, up to $10,000.
Secondary car rental collision coverage
secondary
Secondary CDW coverage for rental cars up to 31 days. Covers damage, theft, and up to $500 in loss-of-use charges.
Credit file monitoring and fraud alerts
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Show all 8 protectionsShow fewer protections
$1,000/claim purchase protection (90 days)
$1,000
secondary
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Master RoadAssist®
Pre-negotiated roadside assistance for jump-starts, tire changes, towing, and gas delivery billed to your card.
$1,500 lost/damaged luggage coverage
$1,500
secondary
Up to $1,500 per incident for lost or damaged luggage when you pay for travel with the card. Max 2 claims per year.
Dining Out
4x at restaurants
BMO Flex Rewards
≈$4 in value on a $100 dinner, at our valuation of 1¢ per point
Annual fee: $150
Explore 53,025 restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 4x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
How It Compares
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.
The Math: Is $150 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$291.75
Annual Fee
-$150
Net Annual Value
-$2.25
Details & Terms
Payment Terms
| Purchase APR | 18.74%–27.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Video Reviews
8 videosThe BMO Escape Credit Card
BMO Rewards Program: All You Need To Know in 2024 (Points Earn & Burn)
BMO Credit Card Review 2025 | Worth It or Leave It?
The New BMO Escape Card | Mid Level....WHY?
BMO Credit Card Review 2025: Worth It or Leave It?
BMO Credit Card Review 2026 – Worth It or Leave It?
BMO Escape Credit Card (U.S.) – My Honest Review & Real User Experience After 3 Months
Third-Party Articles & Reviews
BMO Launches Escape Credit Card with Mastercard to Help Travelers' Spending Go Further
Official BMO press release announcing the Escape Credit Card with details on accelerated travel rewards, $240 annual hotel credits, and PriorityPass membership.
BMO Launches Escape Credit Card: $150 Annual Fee, 45,000 Point Bonus & More
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.
BMO Credit Card And Loyalty Strategy Focused On Current Customers
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.
BMO Launches Escape Credit Card with Mastercard
Yahoo Finance syndication of the BMO Escape Card press release covering travel benefits and earn rate structure.
BMO Launches Escape Credit Card
Upgraded Points coverage calling the BMO Escape a solid option for travelers who earn points on flights, hotels, travel expenses, and dining.
BMO Escape Card Review: 45K Bonus + Travel Perks 2025
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.
BMO Escape Credit Card - Worth it?
Reddit community discussion evaluating whether the BMO Escape Card's point multipliers and travel benefits justify the $150 annual fee.
New BMO Escape Card: Travel Perks for a $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.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Welcome offer | |
| BMO Official | BMO Official | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
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.