BMO Blue Rewards Credit Cards
For a limited time, you can get up to 135,000 Blue Points (that’s a value of $900) when you apply for a BMO Blue Rewards credit card.
Enjoy the only retail credit card in Canada to offer built-in accelerated earnings on gas, EV charging and wholesale purchases. footnote star Plus, you’ll get up to 10x the Points at participating Partners including Blue Rewards Travel, powered by Expedia.
Get an exclusive, limited-time bonus offer
Earn Blue Points on every dollar spent
ten times the Points
Earn 10x the Points at participating Blue Rewards Partners, including travel booked through Blue Rewards Travel, powered by Expedia, Fairmont, Dollarama, Instacart, Pharmasave, and many more.7
two times the Points
Earn two times the Points on groceries, gas, electric vehicle charging, wholesale and alcohol purchases.72
Extra Blue Points
Earn additional Blue Points on top of your credit card Points when you use your physical or digital Blue Rewards Member Card at checkout.10
Redeem for all the things you want
Earn and redeem Blue Points for travel
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.7More ways to pay: 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 (excluding cruises).
Cover your trip: Use Points to pay for your whole trip, including taxes and fees (excluding cruises and pay-at-property fees).
Competitive pricing: Unlock special deals to experience more of the world.
Rewards for every moment
- 1,500 Blue Points = $10 footnote 3 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 Amazon, Apple, Dyson and Ninja.
- Footnote star 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/EV Charging, Grocery and Wholesale. Categories are classified by Mastercard's “Merchant Category Code”, statement is based on merchants classified as Gas/EV Charging, Grocery & Supermarkets and Wholesale Clubs as of December 11, 2025.
- Footnote 1 details NO FEE – Welcome offer
- BMO Blue Rewards Mastercard applications must be received between September 14, 2026 and October 31, 2026 (the “Offer Period”) to be eligible for this offer. This offer is not available to current or former BMO Blue Rewards cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. This offer may be withdrawn or changed without notice. Earn 20,000 Bonus Points 110 days after the credit card account open date when you spend a minimum of $1,500 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 days of account opening. The Bonus Points will be credited to your Blue Rewards primary Credit Cardholder’s Member Account up to 8 weeks after the conditions for each element of offer are met. If the Credit Card is cancelled within 365 days from the account opening date opened, all Bonus Points earned within that period may be cancelled. To receive Bonus Points, your credit card account must be open and in good standing at time of award. When redeemed in-store at participating partners or on e-Vouchers; standard daily Points usage limits and terms and conditions apply. Other forms of redemptions are subject to separate terms, conditions, and redemption rates. See bluerewards.ca/value for full details.
- Footnote 2 details WORLD ELITE – Welcome offer
- BMO Blue Rewards World Elite Mastercard applications must be received between September 14, 2026 and October 31, 2026 (the “Offer Period”) to be eligible for this offer. This offer is not available to current or former BMO Blue Rewards cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. This offer may be withdrawn or changed without notice.
- Up to $665: Up to 100,000 Welcome Bonus Points (Worth up to $665 in value when redeemed at participating in-store partners or towards eGift Cards)
- Earn 45,000 Bonus Points 110 days after the credit card account open date when you spend a minimum of $5,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 days of account opening.
- Earn an additional 20,000 Bonus Points 180 days after the credit card account open date when you spend a minimum of $10,000 on net card purchases within the first 180 days of account opening.
- Earn a further 35,000 Bonus Points 365 days after the credit card account open date when you spend a minimum of $20,000 on net card purchases within the first 365 days of account opening.
- The Bonus Points will be credited to your Blue Rewards primary Credit Cardholder’s Member Account up to 8 weeks after the conditions for each element of offer are met. If the Credit Card is cancelled within 365 days from the account opening date, all Bonus Points earned within that period may be cancelled. To receive Bonus Points, your credit card account must be open and in good standing at time of award.
- When redeemed in-store at participating partners or on eGift card; standard daily Points usage limits and terms and conditions apply. Other forms of redemptions are subject to separate terms, conditions, and redemption rates. See bluerewards.ca/value for full details.
- LTO
- BMO Blue Rewards World Elite Mastercard and BMO Blue Rewards Mastercard applications must be received between September 14, 2026 and October 31, 2026 (the “Offer Period”) to be eligible for the Blue Rewards Bonus Points (the “Offer”). Offers are limited to new accounts. Existing BMO Blue Rewards World Elite Mastercard customers or BMO Blue Rewards Mastercard customers who cancel their card during the Offer Period, and existing BMO Mastercard customers who transfer into an eligible product during the Offer Period are not eligible for the Offer.
- BMO Blue Rewards World Elite Mastercard Limited Time Offer: In addition to Bonus Points earned in connection with the “Welcome Offer” described in paragraph 2 of these terms, new BMO Blue Rewards World Elite Mastercard (“Credit Card”) customers who apply during the Offer Period can receive an additional 35,000 points, a value of $233, when spending a combined minimum of $2000 at eligible wholesale clubs, grocery stores, Fuel and EV charging stations, alcohol retailers, and participating Blue Rewards partners( visit www.bmo.com/bluerewards10x for the current list) on their new BMO Blue Rewards World Elite Mastercard (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in net card purchases within the first 110 days from the Credit Card open date. Eligible grocery merchants are those that are classified by Mastercard’s “Merchant Category Code” as ““Grocery Stores and Supermarkets” (MCC 5411) in Canada; eligible wholesale clubs are those that are classified by Mastercard’s “Merchant Category Code” as “Wholesale Clubs” in Canada (MCC 5300); eligible alcohol retailers are those that are classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, and Liquor” (MCC 5921) in Canada; eligible fuel and EV charging merchants are those that are classified by Mastercard’s “Merchant Category Code” as “Service Stations (with or without Ancillary Services)” (MCC 5541), “Fuel Dispenser, Automated” (MCC 5542), or “Electric Vehicle Charging” (MCC 5552). BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a wholesale club, is classified by MCC 5300, or as a grocery store, is classified by MCC 5411, or as an alcohol retailer, is classified by MCC 5921, or as a Fuel / EV charging station, is classified by 5541, 5542, and 5552 and in no event will BMO be liable or responsible for any claims with respect to a purchase at wholesale clubs, grocery stores, or alcohol retailers that are made at a merchant that is not classified by MCC 5300, 5411, 5921, 5541, 5542, and 5552 respectively. Participating Blue Rewards Partners may be added or removed at any time without notice. The Bonus Points will be credited to the primary Credit Cardholder’s Collector Account within ninety (90) business days following the qualifying $2000 spend. The Blue Rewards Bonus Points Offer is subject to the Blue Rewards Program Terms and Conditions. Limit of one Bonus Points Offer per member number. If the Credit Card is cancelled within 110 days from the date it was opened, all Bonus Points earned within that period will be cancelled.
- BMO Blue Rewards Mastercard Limited time Offer: In addition to Bonus Points earned in connection with the “Welcome Offer” described in paragraph 2 of these terms, new BMO Blue Rewards Mastercard (“Credit Card”) customers who apply during the Offer Period can receive an additional 10,000 points, a value of $66, when spending a combined minimum of $1000 at eligible wholesale clubs, grocery stores, Fuel and EV charging stations, alcohol retailers, and at participating Blue Rewards partners( visit www.bmo.com/bluerewards10x for the current list) on their new BMO Blue Rewards = Mastercard (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in net card purchases within the first 110 days from the Credit Card open date. Eligible grocery merchants are those that are classified by Mastercard’s “Merchant Category Code” as ““Grocery Stores and Supermarkets” (MCC 5411) in Canada; eligible wholesale clubs are those that are classified by Mastercard’s “Merchant Category Code” as “Wholesale Clubs” in Canada (MCC 5300); eligible alcohol retailers are those that are classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, and Liquor” (MCC 5921) in Canada; eligible fuel and EV charging merchants are those that are classified by Mastercard’s “Merchant Category Code” as “Service Stations (with or without Ancillary Services)” (MCC 5541), “Fuel Dispenser, Automated” (MCC 5542), or “Electric Vehicle Charging” (MCC 5552). BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a wholesale club, is classified by MCC 5300, or as a grocery store, is classified by MCC 5411, or as an alcohol retailer, is classified by MCC 5921, or as a Fuel / EV charging station, is classified by 5541, 5542, and 5552 and in no event will BMO be liable or responsible for any claims with respect to a purchase at wholesale clubs, grocery stores, or alcohol retailers that are made at a merchant that is not classified by MCC 5300, 5411, 5921, 5541, 5542, and 5552 respectively. Participating Blue Rewards Partners may be added or removed at any time without notice. The Bonus Points will be credited to the primary Credit Cardholder’s Collector Account within ninety (90) business days following the qualifying $1000 spend. The Blue Rewards Bonus Points Offer is subject to the Blue Rewards Program Terms and Conditions. Limit of one Bonus Points Offer per member number. If the Credit Card is cancelled within 110 days from the date it was opened, all Bonus Points earned within that period will be cancelled.