Points · Mastercard · $150 annual fee
Last verified 2026-09-09. Review issuer source
BMO Escape is a $150-a-year points card from BMO. Its best everyday rates are 4x on airfare, 4x on dining, and 3x on tours; everything else earns 1x. There is also 3x on Travel Agencies, a single-merchant rate.
On our reference budget of $24,600 a year it earns $444, which clears the $150 fee with $294 to spare before any credits or perks. The welcome bonus, 45,000 points after $5,000 in 3 months, is the strongest reason to open it in a given year.
The fee is easy to clear if airfare is a real share of your budget. If not, a no-fee card from the same issuer keeps most of the earning.
4 points for every dollar spent on airfare.
3 points for every dollar spent on tours
3 points for every dollar spent on travel agencies
2 points for every dollar spent on car rentals
3 points for every dollar spent on cruises
4 points for every dollar spent on dining.
3 points for every dollar spent on hotels
2 points for every dollar spent on rideshare services
2 points for every dollar spent on taxis
Get 45,000 bonus points and a $150 statement credit when you spend $5,000 within 3 months of opening your account when you apply between July 1 and August 31, 2026.
Cellular Wireless Telephone Protection means that you’re automatically eligible for coverage up to $600 at no additional cost.
With your BMOB M O Escape Credit Card, you’ll receive a free digital PriorityPass Annual Membership with 2 free PriorityPass lounge visits to any airport lounge in the PriorityPass network worldwide. Enjoy complimentary refreshments, free Wi-Fi and comfortable seating while you wait for your flight.
Extended Warranty will double the original manufacturer’s (or U.S.U . S . store brand) warranty for up to 24 months on most new items.
Get reimbursed up to $100 every 4 years for your Global Entry, TSAT S A PreCheck® or NEXUS applications and start moving through travel lines faster.
Enjoy the ride worry-free with Master RoadAssist® Roadside Service8 and get help with jump-starts, tire changes, towing and gas delivery if you get stuck on the road.
Enjoy a $20 monthly statement credit when you use your card and spend $200 per month at hotels worldwide.
These come from Mastercard, not from BMO. Every card on the World Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
With your BMOB M O Escape Credit Card, you’ll receive a free digital PriorityPass Annual Membership with 2 free PriorityPass lounge visits to any airport lounge in the PriorityPass network worldwide. Enjoy complimentary refreshments, free Wi-Fi and comfortable seating while you wait for your flight.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| BMO EscapeThis card · 4x on airfare | $150 | $444 | +$294 | 539th of 1,291 |
| BMO Cash Back MastercardBMO's most-held other card · 5% on cable TV | None | $462 | +$462 | 303rd of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
