Offers
Welcome Bonus
Eligible new applicants for the BMO Blue Rewards Mastercard®* can receive a welcome bonus of up to 20,000 Blue Rewards points*:
- Get 20,000 Bonus Points when you spend $1,500 on net card purchases within the first 110 days of account opening.
- Plus, get a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee*.
- Plus, earn rewards from over 400 brands.*
FlyerFunds Rebate
Plus, if you apply for the BMO Blue Rewards Mastercard®* through Frugal Flyer and are approved, you can receive an additional $50 paid directly to you.
Earning Blue Rewards Points
The BMO Blue Rewards Mastercard®* earns Blue Rewards Points for all purchases made on the card:
- 5 Blue Points for every $1 spent at participating Blue Rewards Partners*
- 1 Blue Point for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchases*
- 0.5 Blue Points for every $1 spent on everything else*
Redeeming Blue Rewards Points
Blue Rewards points can be redeemed for travel purchases booked through the Blue Rewards travel portal, merchandise, eGift cards, and in-store purchases.
When redeeming Blue Rewards points in-store or towards eGift cards, the redemption rate is 1,500 Blue points = $10 CAD, which is the maximum value you can expect to receive from Blue points.
Benefits
Instacart+ & Monthly $5 Credit
Cardholders who enroll their BMO Blue Rewards Mastercard®* can enjoy three months of Instacart+ and a $5 monthly Instacart credit.
Rental Car Discounts
Cardholders can save up to 20% on National Car Rental and Alamo Rent A Car and up to 5% on Enterprise Rent-A-Car at locations worldwide using the Car Rental Booking tool.
Fees & Eligibility
| Personal Income | $0 |
| Household Income | $0 |
| Annual Fee | $0 |
| Foreign Exchange Fee | 2.50% |
| Purchase Rate | 21.99% |
| Cash Advance Rate | 23.99% |
| Balance Transfer Rate | 23.99% |
Insurance Coverage
The BMO Blue Rewards Mastercard®* offers several types of insurance coverage:
- Extended warranty and purchase protection*
- Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service, and towing.*
Refer to the BMO Blue Rewards Mastercard®* insurance certificate for additional details, including terms and conditions for eligibility.
Other BMO Cards
| Credit Card | ||
|---|---|---|
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200,000 BMO Rewards points and $100 FlyerFunds Estimated value: $1,440 Ends Oct 31, 2026 |
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70,000 VIPorter points and $200 FlyerFunds Estimated value: $1,250 Ends Oct 31, 2026 |
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100,000 BMO Rewards points and $125 FlyerFunds Estimated value: $795 Ends Oct 31, 2026 |
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100,000 Blue Points and $100 FlyerFunds Estimated value: $770 Ends Oct 31, 2026 |
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80,000 BMO Rewards points and $175 FlyerFunds Estimated value: $711 Ends Jun 30, 2026 |
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Legal
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*Terms and conditions apply.
Disclaimer: these responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.