BMO Rewards World Elite Mastercard first year fee waiver returns with 35,000 point sign up bonus

世界顶级万事达卡第一年的费用豁免回报，35,000点报名奖金

We mentioned in our last podcast that we should expect some better credit card offers to come out in October and they are coming! The first is one that people always look forward to. Sure its for a card the in general gets mixed reviews but to get $250 in travel and four lounge access passes for no cost is a great deal. What deal is it? It’s the return of the first year annual fee waiver on the 我们在上一期播客中提到，我们应该期待一些更好的信用卡提供在10月出来，他们正在来！ 第一个是人们总是期待的。 当然，对于一张贺卡来说，一般情况下会得到不同的评价，但是如果能免费得到250美元的旅行费用和四张休息室出入证是一笔不小的买卖。 这是什么交易？ 这是第一年年费减免的回报 The sign up bonus that you get after spending $3,000 in the first three months is worth $250 in travel bookings made via BMO Rewards which is a major source of contention, or so we hear from many of our readers but remember you are getting them for free so a little bit of hassle to use it may be justified. Then you get the complimentary LoungeKey membership with 4 lounge access passes that are worth well over US$100 alone. That means with this offer you are inline to score about $400 in value strictly for spending on the card. Remember though if you do plan on cancelling the card before you have to pay the annual fee in 12 months you’ll want to use up your points and the lounge access passes beforehand. 在前三个月花费3000美元后获得的注册奖金，通过 BMO 奖励获得的旅行预订价值250美元，这是争论的主要来源，或者我们从我们的许多读者那里听到的，但是记住你是免费得到的，所以使用它可能会有点麻烦。 然后你可以得到免费的 LoungeKey 会员资格，4个休息室出入证价值超过100美元。 这意味着你可以通过这个提议获得大约400美元的收入，严格用于购买卡片。 记住，如果你计划在12个月内支付年费之前就取消卡片，你会想要提前使用你的积分和休息室通行证

A reminder here is how the new points earn and burn format works with BMO Rewards World Elite Mastercard: 这里的一个提醒是新点的赚取和燃烧格式如何工作与 BMO 奖励世界精英万事达:

• 140 points = $1 of travel booked via BMO Rewards (Old rate was 100 points = $1) 通过 BMO 奖励(Old rate was 100 points $1)预订的旅行的140美元
• Earn 3 points per eligible dollar spent on travel, dining &
  entertainment purchases – giving a 2.14% return on those purchases
  (under the old program all spend was a 2% return) 在旅游、餐饮和娱乐消费上，每个合格的美元可以获得3分——这些购买的回报率为2.14% (根据旧的计划，所有支出都是2% 的回报)
• All other spending will continue to earn 2 points per dollar –
  giving a 1.43% return on those purchases (under the old program all
  spend was a 2% return)  所有其他支出将继续以每美元2个百分点的速度增长——这些购买的回报率为1.43% (根据旧的计划，所有支出的回报率为2%)

and here are some reasons someone may want to keep this card longer than one year 这里有一些理由，可能有人想保留这张卡超过一年

• You can use the annual LoungeKey membership with 4 lounge visits every year 您可以使用年度 LoungeKey 会员资格，每年有4次休息室参观
• You have a bank account with BMO that covers the annual fee on the
  card – so it doesn’t cost you anything ever and you get the Priority
  Pass and the 1.43 to 2.14% return.  你在 BMO 有一个银行账户，用来支付卡上的年费——这样你就不用花任何钱了，你可以得到优先通行证和1.43% 到2.14% 的回报率
• You spend a lot on travel, dining and entertainment (and can put all
  other spending on another card) and have the patience to deal with the
  BMO Rewards department 你花很多钱在旅行、用餐和娱乐上(并且可以把所有其他花费都花在另一张卡上) ，并且有耐心处理 BMO 奖励部门

Welcome Offer: Get 35,000 welcome points after you spend $3,000 in first 3 months and we’ll waive the $150 annual fee for the first year*. 欢迎提供: 在你在头三个月花掉3000美元之后得到35000个欢迎点，我们将放弃第一年150美元的年费 *

Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases* 在旅游、餐饮和娱乐消费上每花1美元就可以得到3个 BMO 奖励点 *

Get 2 points for every $1 spent everywhere else* 其他地方每花1美元就能得到2分 *

Points you can use to cover all flight charges & taxes* 你可以用来支付所有飞行费用和税款的要点 *

Fly on any airline, with no blackout dates* 乘坐任何航空公司，没有停电日期 *

Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus four annual complimentary passes. 由 LoungeKey 提供的万事达机场体验服务免费会员资格，可享有贵宾专用通道，外加四张每年免费赠送的通行证

Annual Fee: $150 Primary Card $50 Secondary Card 年费: 一百五十元小学卡五十元中学咭

Interest Rate: Purchases 19.99% Cash Advances 22.99% 利率: 购买19.99% 现金垫款22.99%

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