Introducing Blue Rewards: A loyalty program offering Canadians more places to earn at every turn

Blue Rewards has launched – a loyalty program designed to deliver a seamless and rewarding experience. 

Built with Canadians’ lives in mind, Blue Rewards marks an exciting next step in meeting clients where they are and delivering meaningful benefits on the things that matter most: groceries, gas, dining, travel and more. For BMO, this program is about helping clients make real financial progress on the items they are already purchasing. 

A program designed for real life 

At its core, Blue Rewards is about simplicity and flexibility. Members can earn Blue Points across a growing network of more than 400 brands nationwide, turning everyday spending into tangible rewards. 

From ordering groceries through Instacart, enjoying a quick meal at MTY Group restaurants, or planning a getaway with Accor Hotels or Porter Airlines, Canadians can now earn Points in more places that reflect how they live and spend. 

And with the transition from AIR MILES®†/TM† to Blue Rewards, existing balances have been seamlessly converted, ensuring continuity and value for Members with no action required. 

More value in the moments that matter 

What sets Blue Rewards apart is its focus on everyday essentials. 

With new BMO Blue Rewards Mastercard®* credit cards and chequing accounts, clients can accelerate their earnings on common purchases like gas, groceries, wholesale shopping and even EV charging – making it easier to build rewards faster just by going about their day. 

BMO Blue Rewards Mastercard credit cards: 

• Our new credit cards are the only ones in Canada with rich, built-in Blue Rewards accelerators for gas, groceries and wholesale purchases.** 
• The lineup includes BMO Blue Rewards World Elite®* Mastercard®, BMO Blue Rewards®* Mastercard®, BMO Blue Rewards Business World Elite®* Mastercard®, BMO Business Blue Rewards®* Mastercard®, and BMO Blue Rewards for Corporate Cards. 

Exclusive Welcome Offers***: 

• Earn up to 100,000 bonus Blue Points in the first year with the BMO Blue Rewards World Elite® Mastercard®, or up to 20,000 with the BMO Blue Rewards® Mastercard®. 
• Earn up to 120,000 bonus Blue Points in the first year with the BMO Blue Rewards Business World Elite®* Mastercard®, or up to 30,000 with the BMO Business Blue Rewards®* Mastercard®. 

Exclusive benefits for BMO clients include: 

• 10x Points on travel (excluding cruises) booked through Blue Rewards Travel powered by Expedia and participating partners. 
• 2x Points on eligible gas, grocery, wholesale and EV charging purchases using a BMO Blue Rewards Mastercard or debit card. 

BMO Blue Rewards Chequing Account: 

• Clients with a BMO Blue Rewards Chequing Account can earn up to 500 bonus points monthly by maintaining a minimum daily balance of $4,000 and up to 500 bonus points by holding a BMO Blue Rewards World Elite®* Mastercard. 
• Clients are eligible for 2x Points on eligible groceries, gas, EV charging and wholesale purchases up to $1,000 monthly, and 1 Point for every $2 spent on all other purchases up to $5,000 monthly. 

Travel made more flexible 

For members looking to explore, Blue Rewards introduces a new, user-friendly travel platform powered by Expedia. Clients can redeem Points for flights, hotels and car rentals – and enjoy the flexibility to pay for part or all of a trip with Points, including taxes and fees. 

This flexibility ensures clients can travel on their terms, whether they’re planning a weekend getaway or a long-awaited vacation. 

Built for today, and what’s next 

Blue Rewards is also designed to grow alongside members’ needs. New partnerships have expanded earning opportunities, and seasonal promotions will continue to enhance the experience, helping clients get even more value throughout the year. 

For BMO, this launch represents more than a new rewards program; it reflects a broader commitment to helping clients make real financial progress by making everyday banking more rewarding, more intuitive and more connected to clients’ lives. 

Ready to start earning? 

Explore Blue Rewards and see how everyday moments can add up: 

• Sign up today 
• Learn more about the new BMO Blue Rewards credit cards and chequing account  

®†/TM† Trademarks of AM Royalties Limited Partnership used under license by BMO Blue Rewards, Inc., and Bank of Montreal. 

®* Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated, used under license. 

** Based on competitive review as of Dec. 11, 2025. No other Canadian financial institution credit card offers permanent bonus earn on Gas/EV Charging, Grocery, and Wholesale categories, as defined by Mastercard Merchant Category Codes (Gas/EV Charging, Grocery & Supermarkets, and Wholesale Clubs). 

*** Terms and conditions apply. Visit bmo.com for details.