 Hello everyone, my name is Ahmed Dan of Aidan Journal. The BMO World Elite MasterCard is a travel-rewards credit card that lets you earn BMO Rewards points for everyday purchases that can be used towards eligible travel costs without any blackout pre-ears or restrictions. An old fee is $150, additional card is free. You earn 2 points for every dollar spent in all credit card purchases. There is no caps, no tiers and no restrictions. The first time bonus is a $300,000 point which is valued $300 and you don't have to spend any certain amounts to get this first time bonus and also the annual fee is not waived for the first year. The card offers anniversary bonus which is an annual priority pass membership and 4 complimentary lounge passes every year and these are valued at approximately $300. Let's look at some features of the BMO World Elite MasterCard. You can book through the BMO Rewards program and redeem points for your complete trip including taxes and surcharges. BMO provides price-match guarantee, complementary 24-7 concierge service, emergency medical insurance, travel accident insurance, auto rental theft and coalition loss damage insurance, trip cancellation insurance, trip interruption insurance, flight delay insurance, lost and delayed baggage insurance, extended warranty insurance, price purchase security insurance and much more. If you are missing the card doesn't have price protection insurance and hotel motel burglary insurance. My take, the BMO World Elite MasterCard is an excellent World Elite Series MasterCard that you should consider adding to your credit card portfolio if you make at least one trip a year and appreciate the use of lounges. The 4 lounge passes and the annual membership that come with this credit card is valued at approximately $300 CAD. So already you are paying $150 annual fee you are already on the plus side due to the lounge passes and if you consider the full coverage travel insurance that comes with this credit card that also pays your annual fee many times over. The flat return rate on this card is 2% on everything which makes this card easy to understand and simple to use. If you use other credit cards for category purchases where you want to earn higher returns or airline hotel points you can still use the BMO World Elite MasterCard for all other non-category purchases. The one not so advertised feature I like about this card is that since this is an World Elite Series card BMO has a dedicated customer service line for this card. Every time you call them there is no wait time and you will be connected to your app right away. What I can complain about this card is that BMO forces you to book travel through their website and that's the only way you can redeem these points. So by using this card you are forced to book through the BMO viewers program. However you should book only online because BMO charges $30 if you call them on phone to book your travel. The other thing I can complain about this card is that the insurance provider is Alliance Global Assistance. While the reviews and ratings are not as bad as the American Bankers Insurance Company in Florida, which is the insurance provider for credit cards like Scotiabank Gold American Express and Capital One Aspire Travel Viewers credit card, I would be more comfortable using insurance providers such as RSA, TD, RBC and so on. As of this writing, I hold this card and only use for lounge accesses and concierge service. I also use this card for some non-category purchases and I will continue to hold this card as long as I travel each year and I am not planning to give up traveling until I am unable to do so. That's all for today. Thank you.