Earn faster when you bank with BMO
Get more Blue Points with a BMO Blue Rewards credit card or a Chequing Account.
Welcome to Blue Rewards!
Blue Rewards is our new loyalty program designed to make your experience simple and rewarding. Earn and redeem with everyday brands, and earn faster as a BMO customer.
Already a BMO customer?Sign in to check out your Blue Rewards offers.
How it works
Enjoy a simple, rewarding experience with Blue Rewards
Join Blue Rewards
Become a Blue Rewards Member to start earning Blue Points. Add a BMO Blue Rewards credit card or any chequing account to unlock even more ways to earn.
Earn as you spend
Collect Blue Points with participating Partners, eligible BMO Blue Rewards products and exclusive offers available to BMO customers.
Redeem your way
Choose from over 400 brands and redeem your Points for travel, merchandise, eGift cards, in-store purchases and more.
1,500 Blue Points = $10 footnote 7 when redeemed in store or toward eGift cards.
Shop at Blue Rewards Partners
Earn Blue Points when you shop in store or online with participating Partners, including Blue Rewards Travel, powered by Expedia. At select Partners, use a BMO Blue Rewards credit card to earn up to ten times the Points.
Use your eligible BMO payment card
Earn up to two times the Points on everyday categories including grocery, gas, electric vehicle charging and wholesale purchases when using a BMO Blue Rewards credit card72 and or a Blue Rewards Chequing Account*9. If you have another eligible chequing account, you can earn 1 Point for every $2 spent on grocery, gas, electric vehicle charging and wholesale purchases using your BMO Debit Card footnote 3 .
Unlock even more as a BMO customer
Link your Blue Rewards Member Number to your eligible BMO payment card to unlock exclusive Partner offers, earn extra Points and get personalized earning opportunities.
Our products
Get rewarded faster with a BMO Blue Rewards credit card
Want to earn Blue Points on your business purchases?
Check out our welcome offers for our new BMO Blue Rewards business credit cards.
Earn even more with a Blue Rewards Chequing Account
Get rewarded for your everyday spending and enjoy exclusive offers just for banking with BMO.
Welcome offer: Get up to 135,000 Bonus Points with a Blue Rewards Chequing Account and a Savings Amplifier Account.*
- Enjoy unlimited transactions, including Interac e-Transfer®double dagger transactions43
- Get two times the Blue Points for every $2 on eligible gas, grocery, wholesale club and electric vehicle charging purchases, and 1 Point on everything else*9
- Earn 500 Bonus Points every month with a minimum daily balance of $4,000 or more in your chequing account*106
- Get exclusive Partner offers at top brands through Blue Rewards card offers15
- Bundle offer: Earn 500 Bonus Points each month when you also have a BMO Blue Rewards World Elite Mastercard16
Prefer a different chequing account?
Keep earning with Blue Rewards—get 1 Blue Point per $2 on eligible grocery, wholesale, gas and electric vehicle charging purchases (up to $300 monthly spend) footnote 3 , and up to two times the Points at participating Partners including Instacart, Dollarama, Thai Express and many more when you link an eligible BMO payment card. footnote 4
Where to earn
Start earning today with over 400 top brands
Earn Points on every dollar spent- Earn faster with Points accelerators on things like groceries, gas and electric vehicle (EV) charging
- Enjoy enriched benefits in-store, online, while booking travel and with exclusive card offers
Earn the Points with BMO and select Partners
- Accelerate your rewards by shopping at participating Partners
- Get ten times the Blue Points on flights, hotels, and car rentals with Blue Rewards Travel, powered by Expedia
- Earn even more Points on top of your credit card Points when you use your Blue Rewards Member Card at checkout10
Explore the world with Blue Rewards
Earn ten times the points
Earn ten times the Points when you book flights, car rentals, hotels and more through our travel platform, with access to Expedia’s global inventory.7
Cover your trip
Use Points to pay for your whole trip, including taxes and fees (excluding cruises and pay-at-property fees).
Enjoy competitive pricing and more ways to pay
Unlock special deals just for you, plus redeem any amount of Points to reduce what you pay out of pocket, when using a combination of your BMO Blue Rewards credit card and Points.
Redemption
Redeem for all the things you want
Enjoy rewards for every moment.
- 1,500 Blue Points = $10 footnote 7 when redeemed in store, or towards eGift Cards.
- Redeem your Points for entertainment, merchandise, eGift Cards, in-store purchases and more.
- Choose from over 400 brands, including Porter, Dollarama, Instacart and Thai Express.
Already a BMO customer? Link your Blue Rewards Member number to earn more
Unlock exclusive offers at top brands with Blue Rewards Card Offers, plus access Blue Rewards straight from BMO Digital Banking or the BMO Mobile Banking app.15
Step 1: Sign in to your account
Sign in to BMO Digital Banking to link your Blue Rewards Member Number and get special offers.
Step 2: Link your Member Number
Head to your Account Summary page and link your Blue Rewards Member Number to your BMO Customer Profile.
Step 3: Explore your offers
Go to the Offers tab in your digital banking dashboard to explore your unique Blue Rewards card offers.
FAQs
General
The AIR MILESregistered trademark, dagger Program has transitioned to Blue Rewards. We’re introducing more places for you to earn and redeem Points so you can get more from your everyday spending.
You can become a Member on the Blue Rewards website today.
No, these are different rewards programs. The AIR MILESregistered trademark, dagger Program has transitioned to Blue Rewards. BMO Rewards is a separate rewards program available only with select BMO credit cards.
The AIR MILESregistered trademark, dagger Program is now Blue Rewards. Our Customer Care Team is available at 1-877-225-5266 to answer any questions you may still have.
New partners: New strategic partners including Dollarama, Instacart, Thai Express, Jugo Juice, Mucho Burrito, Manchu Wok, Mr. Sub and Pizza Delight — adding greater everyday value for Members. More details and new partner announcements are coming soon.
Continued value: In addition to our new partners, you will continue to earn at many of the existing brands and partners you’ve come to know and love.
Simplified travel platform: To give members more choice and flexibility, Blue Rewards is expanding its travel offering through Expedia Group. This means access to more flights, hotels and car rentals footnote 2 – all powered by Expedia’s trusted technology and extensive inventory – making it easier than ever to plan and book your next trip.
Points and rewards
Your Reward Miles have converted to Blue Points, with no loss in value. Your AIR MILESregistered trademark, dagger Collector number is now your Blue Rewards Member number.
No, your existing AIR MILESregistered trademark, dagger Reward Miles have automatically converted to Blue Points with no loss in value.
You can access your Blue Rewards Summary on your Mastercard monthly statement. It will display the number of Points you got on purchases for the stated period but won’t include Points from bonus or promotional offers.
You can also check your Points and balances on your Blue Rewards Member Summary statement, and through the Blue Rewards website.
Your AIR MILESregistered trademark, dagger Reward Miles have been converted to Blue Points with no loss of value.
1,500 Points = $10*
*When redeemed in store at participating partners or on eGift (formerly eVouchers); standard daily Points usage limits and terms and conditions apply. Other forms of redemptions are subject to separate terms, conditions and redemption rates. Visit bluerewards.ca/value for full details.
Credit cards
You can continue to use your credit card and account as usual; there will be no interruptions. As part of the change, you will start earning Blue Points instead of Miles, and will have even more ways to earn Blue Points.
You can keep using your credit card as usual; your physical credit card and credit card number will not change. Your Miles have automatically converted to Blue Points.
No, your credit score will not be affected.
You will have even more ways to earn Blue Points, plus we’re bringing you new brand partnerships, exclusive offers and enhanced experiences. Stay tuned for more exciting updates coming soon.
The AIR MILESregistered trademark, dagger Program has transitioned to Blue Rewards. BMO Rewards is a separate rewards program available only with select BMO credit cards.
The BMO Blue Rewards credit card is the only retail credit card in Canada footnote 1 with built-in accelerators on gas, grocery and wholesale purchases, helping you earn points faster on everyday essentials.
Yes, Maple benefits are included with the World Elite business credit cards and will continue as part of your card benefits.
Chequing Account
Your AIR MILESregistered trademark, dagger Chequing Account has become your Blue Rewards Chequing Account. You will earn Blue Points instead of AIR MILESregistered trademark, dagger Reward Miles.
We’ll continue to provide you with exciting offers, including offers that allow you to earn Bonus Points.
No, your monthly plan fee for the Blue Rewards Chequing Account will remain the same as your previous monthly plan fee for the AIR MILESregistered trademark, dagger Chequing Account.
No, this change will not affect how you use BMO Online Banking or the BMO Mobile Banking app.
New to BMO
No, you can sign up and collect Blue Points without a BMO credit card or bank account. However, having a BMO credit card and/or a BMO chequing account will help you accumulate more Points! You can sign up on the Blue Rewards website now.
You collect Points on eligible purchases when you show your Blue Rewards Member card or use a Blue Rewards credit card or debit card to pay. Your everyday spending adds up to rewards you can use.
Get all the details about redeeming Points on the Blue Rewards website.
®dagger Trademarks of AM Royalties Limited Partnership used under license by BMO Blue Rewards, Inc. and Bank of Montreal.®double dagger Interac e-Transfer is a registered trademark of Interac Corp. Used under license.
- Footnote 1 details Based on competitive intelligence as of December 11, 2025. No other credit card issued by a Canadian financial institution offers bonus rewards earn, as part of their permanent product construct, in the categories of Gas/electric vehicle Charging, Grocery and Wholesale. Categories are classified by Mastercard’s “Merchant Category Code”, statement is based on merchants classified as Gas/electric vehicle Charging, Grocery & Supermarkets and Wholesale Clubs as of December 11, 2025.
- Footnote 2 details With the exception of cruises.
- Footnote 3 details Get one (1) Point for every $2.00 in purchases at merchants classified by Mastercard’s “Merchant Category Code” (MCC) as “grocery stores and supermarkets” (MCC 5411) and “Wholesale Clubs” (MCC 5300), “Gas” (MCC 5541 and 5542), and “electric vehicle Charging Stations” (MCC 5552). Points will be earned on eligible grocery store, wholesale club, gas, and electric vehicle charging purchases up to a maximum combined spend of all five (5) MCC categories of $300.00 in net purchases per calendar month. Points are calculated on the total eligible cumulative purchases (less refunds) made with your BMO Debit Card that occur on your Canadian dollar Primary Chequing Account or Interest Chequing Account (for existing customers) with the Practical, Plus, Performance, Premium, or Senior Bank Plan. If you have provided us a valid Member Number before August 7, 2026, you are required to opt in to be eligible. You can opt in by signing in to BMO Online Banking or the BMO Mobile Banking app and accepting the terms and conditions to earn Points when you make Eligible Purchases with your BMO Debit Card. The number of Points awarded will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Refer to Agreements, Bank Plans and Fees for Everyday Banking Booklet.
- Footnote 4 details Blue Rewards Card Offers are available to Members with eligible BMO Mastercard or Visa credit cards or BMO issued personal chequing account Debit Card (each, a “BMO Payment Card”) that are linked to their Member Number. To see current available Card Offers, Members must visit the promotional website at https://www.bluerewards.ca/cardoffers. To receive Blue Points, Members must have their BMO Payment Card linked to their Blue Rewards Member Number and make eligible purchases at participating brands using the linked BMO Payment Card (each an “Offer” and collectively the “Offers”). Please see each unique Offer terms and conditions for specific details. Terms and conditions of Blue Rewards Card Offers vary by Partner are subject to change and may be withdrawn at any time, and individual eligibility for each Offer is subject to the Terms & Conditions for the Card offers found at https://www.bluerewards.ca/en/terms#bluecardlink.html. For a complete list of active Card Offers and their respective Terms and Conditions, please visit https://www.bluerewards.ca/cardoffers.
- Footnote 5 details BMO Blue Rewards Mastercard cardholders will get 5 Blue Points for every $1 in purchases at participating Blue Rewards Partners. Participating Blue Rewards Partners may be added or removed at any time without notice; visit www.bmo.com/bluerewards10x for partner details. This “ten times the Points” multiplier is based on the base earn rate of 0.5 Point per $1 spent on card purchases (“Base Points”) and the bonus of 4.5 Points per $1 spent on eligible Blue Rewards Partner purchases (“Bonus Points”). Points will be calculated on the total eligible cumulative purchases made at all participating Blue Rewards Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). Bonus Points will be earned on eligible purchases at eligible Blue Rewards Partner locations up to a combined maximum of $15,000 in net purchases posted to your account per calendar year period. Once the maximum is reached, purchases will only be eligible to earn Base Points. The “ten times the Points” benefit is available on eligible purchases and may be withdrawn or changed at any time without notice.
- Footnote 6 details BMO Blue Rewards World Elite Mastercard cardholders will get 10 Blue Points for every $1 in purchases at participating Blue Rewards Partners. Participating Blue Rewards Partners may be added or removed at any time without notice visit www.bmo.com/bluerewards10x for partner details. This “ten times” multiplier is based on the base earn rate of 1 Point per $1 spent on card purchases (“Base Points”) and the bonus of 9 Points per $1 spent on eligible Blue Rewards Partner purchases (“Bonus Points”). Points will be calculated on the total eligible cumulative purchases made at all participating Blue Rewards Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). Bonus Points will be earned on eligible purchases at eligible Blue Rewards Partner locations up to a combined maximum of $25,000 in net purchases posted to your account per calendar year period. Once the maximum is reached, purchases will only be eligible to earn Base Points. The “ten times the Points” benefit is available on eligible purchases and may be withdrawn or changed at any time without notice.
- Footnote 7 details Standard daily Points usage limits and terms and conditions apply for in-store partner redemptions and eGfit Cards. Other forms of redemptions are subject to separate terms, conditions and redemption rates. See bluerewards.ca/value for full details.