BMO World Elite Mastercard has an incredible promo with Grand Cru Wine Festival. The annual fee is waived for 3 years – $450 value $400 travel credit after your first purchase An annual Priority Pass membership with 4 lounge passes. Here is the link to the promotion: http://www.bmo.com/credit-cards/bmo-world-elite-mastercard/grandcru/?ecid=va-8345-EY014GGWE