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BMO Flex Rewards

Get the most out of your money and maximize your point potential with B M O Flex Rewards.

What are BMO Flex Rewards?

B M O Flex Rewards is our rewards program that come with certain BMO rewards credit cards. You earn points by making purchases on your card which can be redeemed for a wide selection of options. 

Here’s how it works: you earn B M O Flex Rewards points for purchases made with your B M O credit card. The earning rate can vary, but an example might be: 1 point per $1 spent on all purchases.

Explore the B M O Flex Rewards catalogue for the full range of options.

BMO Flex Rewards

Your points, your redemptions

You’ve got the power and flexibility to redeem points for what matters most to you.

  • Redeem rewards for cash back

    Redeem your points for a statement credit to be applied to your account balance.1

  • Merchandise

    Our online catalog has a wide range of electronics, kitchenware, sporting goods, health & beauty supplies and more.1

  • Travel & vacation packages

    Redeem your points for flights, hotels, cruises, vacation packages and car rentals.1

  • Gift cards

    Redeem points a wide range of gift cards such as prepaid, restaurants, spas, sporting events, shopping and more.1

Get a credit card that fits your lifestyle and rewards it

Find the best B M O Flex Rewards credit card for you. 

Maximize your point potential

Earn B M O Flex Rewards points every time you spend and rack up the rewards.

B M O Platinum Rewards Credit Card

Points earned in year 1

Includes 15,000 welcome bonus2 and first year anniversary bonus.4

Estimate your monthly spending

Gas, EV charging and groceries (earn 2 points for every Dollar1 spent footnote dagger):

Minimum $0Maximum $1,000
Between $0 and $1,000

All other eligible purchases (earn 1 point for every dollar sign1 spent):

Minimum $0Maximum $10,000
Between $0 and $10,000

footnote dagger details Up to 1500 dollars in gas, EV charging, and grocery purchases each calendar quarter and one times on all purchases after that.

B M O Premium Rewards Credit Card

Points earned in year 1:

Includes 35,000 welcome bonus3 and first-year anniversary bonus4

Estimate your monthly spending

Gas, E V, groceries and dining (earn 4 points for every $1 spent footnote dagger dagger):

Minimum $0Maximum $5,000
Between $0 and $5,000

Hotel and airfare (earn 2 points for every $1 spentfootnote dagger dagger):

Minimum $0Maximum $5,000
Between $0 and $5,000

All other eligible purchases (earn 1 point for every $1 spent):

Minimum $0Maximum $10,000
Between $0 and $10,000

footnote dagger dagger details Up to 1500 dollars in gas, EV charging, and grocery purchases each calendar quarter and 1x on all purchases after that.

B M O Escape Credit Card

Points earned in year 1:

Includes 45,000 bonus points after spending
5000 dollars within 3 months.2

Estimate your monthly spending

Airfare and dining (earn 4 points for every dollar sign1 spentfootnote dagger dagger dagger):

Minimum $0Maximum $4,000
Between $0 and $4,000

Hotels, tours, travel agencies and cruises (earn 3 points for every dollar1 spentfootnote dagger dagger dagger):

Minimum $0Maximum $4,000
Between $0 and $4,000

Rideshares, taxis and car rentals (earn 2 points for every dollar sign1 spentfootnote dagger dagger dagger):

Minimum $0Maximum $4,000
Between $0 and $4,000

All other eligible purchases (earn 1 point for every dollar sign1 spent):

Minimum $0Maximum $4,000
Between $0 and $4,000

footnote dagger dagger dagger details Up to 3000 dollars in purchases per bonus category per calendar quarter, and One Times on all purchases after that. 

Looking for a cash back card?

Want to earn cash back on your purchases? Find out why a BMO Cash Back Credit Card could be the perfect fit.

Learn More
B M O cash back credit card

Credit Card Frequently Asked Questions

  • It’s easy! For every eligible dollar you charge to your B M O rewards credit card, you automatically earn points. Charges that are eligible for points include, but are not limited to, airline, restaurant, hotel, car rental, service station, mail and online orders and retail purchases. Payments, balance transfers and cash advances are ineligible for points accrual. Learn more about how the BMO Flex Rewards Program works.

  • Once you've received your card, just give us a call to activate it. 

    If you have a B M O Platinum Credit Card, a B M O Platinum Rewards Credit Card or a B M O Cash Back Credit Card, call 1-855-825-9237. 

    If you have a B M O Premium Rewards Credit Card or a B M O Escape Credit Card call 1-855-825-9238.

  • No, your B M O Flex Rewards points will not expire as long as your account is open and in Good Standing. Good Standing means that your account is not canceled, past due or otherwise in default under the terms of an Agreement you have with us. Find out more about the BMO Flex Rewards Program Rules. 

  • To manage and redeem your B M O Flex Reward points, visit the official site: www.bmoflexrewards.com. For any questions or assistance with redeeming your points, you can call the Redemption Center at 1-800-610-8987. 

  • To view your available points balance, visit bmoflexrewards.com or call the Redemption Center at 1-800-610-8987. 

  • Great question. You can transfer balances from other credit card accounts to your new BMO credit card account. Please note that you can’t transfer balances from other accounts you have with us. Balance Transfers accrue interest from the date of transaction without a grace period.

Have questions? That’s what we’re here for.

  • Let's meet

    Stop by your nearest branch to chat about credit card options.

  • Give us a call

    We’ll reach out by phone or email at a time that’s convenient for you.

    1-888-340-2265

Footnote 1 details Participation in B M O Flex Rewards is subject to terms and conditions found in B M O Flex Rewards Program Rules, available at:  https://www.bmo.com/bmoflexrewardsconsumer. The Account must be current and in good standing to accrue and redeem points or cash back, as applicable. While points and cash back don’t expire, if the Account is closed for any reason, the Account will no longer be able to accrue points or cash back and all accrued points or cash back not redeemed will be available to redeem for 90 days as long as Account is closed in good standing. All cash back is redeemable in the form of a statement credit.

Footnote 2 details The introductory rewards bonus is based on total net qualified purchases made in the first three months of account opening and rewards will be awarded to qualifying Accounts 3 - 4 weeks after the conclusion of the three-month period. The Account must be open and in good standing for the bonus to be awarded.

Footnote 3 details The introductory rewards bonus is based on total net qualified purchases made in the first two months of account opening and rewards will be awarded to qualifying Accounts 3 - 4 weeks after the conclusion of the two-month period. The Account must be open and in good standing for the bonus to be awarded.

Footnote 4 details Anniversary Bonus is based on net purchases made in the year prior to Anniversary Date. Please see the Program Rules for more information about the Anniversary Bonus.

Footnote 5 details You can request to transfer balances from credit card accounts that you have with other credit card issuers. By submitting your Balance Transfer request you agree that the terms and conditions of your  Cardholder Agreement apply to all balances transferred. Please refer to the Summary of Credit Terms for each card for important information about rates and fees: BMO Cash Back Credit Card, BMO Platinum Rewards Credit Card, BMO Premium Rewards Credit Card and BMO Escape Credit Card.

*Access Summary of Credit Terms for rate and fee information: BMO Platinum Rewards Credit Card, BMO Premium Rewards Credit Card and BMO Escape Credit Card.

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