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BMO Flex Rewards

Get the most out of your money and maximize your point potential with BMO Flex Rewards.

What are BMO Flex Rewards?

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

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

Explore the BMO Flex Rewards catalog 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. footnote 1

  • Merchandise

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

  • Travel & vacation packages

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

  • Gift cards

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

Get a credit card that fits your lifestyle and rewards it

Find the best BMO Flex Rewards credit card for you. 

Which card maximizes your BMO Flex Rewards points?

Points calculated include the welcome offer and Anniversary bonus.

Enter your average monthly spending:

Maximum $5,000 per category, $10,000 for 'Other eligible purchases'.
Dining & Food Delivery
Airfare
Grocery Purchases
Gas & EV Charging
Hotels
Travel Agencies, Tours & Cruises
Rideshare, Taxis & Car Rentals
Other eligible purchases

Estimated points earned in Year 1:

15,000 pts welcome offer footnote dagger

15% Anniversary bonus points footnote 4

Results amount showing the b m o flex rewards amount the user will earn after inputting their monthly spending 0points footnote dagger
That's equivalent to $0 Amount showing the dollar value that the b m o flex rewards points roughly equates to
Annual fee: $ footnote star

35,000 pts welcome offer footnote dagger dagger

10% Anniversary bonus points footnote 4

Results amount showing the b m o flex rewards amount the user will earn after inputting their monthly spending 0points footnote dagger dagger
That's equivalent to $0 Amount showing the dollar value that the b m o flex rewards points roughly equates to
Annual fee: $ footnote star

45,000 pts welcome offer footnote †††

Results amount showing the b m o flex rewards amount the user will earn after inputting their monthly spending 0points footnote †††
That's equivalent to $0 Amount showing the dollar value that the b m o flex rewards points roughly equates to
Annual fee: $ footnote star

footnote dagger details: ​​​BMO Platinum Rewards Credit Card: Up to one thousand five hundred dollars​ in gas, EV charging, and grocery purchases each calendar quarter and 1x on all purchases after that. Welcome offer valid when you spend one thousand five hundred dollars​ within 3 months of opening your account.15% Anniversary bonus points when you spend a minimum of fifteen thousand dollars​ annually.

footnote dagger dagger details: ​BMO Premium Rewards Credit Card: Up to two thousand dollars​ in gas, EV charging,  grocery purchases and dining each calendar quarter, up to two thousand dollars​ on hotels and airfare each calendar quarter and 1x on all purchases after that. Welcome offer valid when you spend five thousand dollars​ within 2 months of opening your account.

footnote dagger dagger dagger details: ​BMO Escape Credit Card: Up to three thousand dollars​ in purchases per bonus category per calendar quarter, and 1x on all purchases after that. Welcome offer valid when you spend five thousand dollars​ within 3 months of opening your account.

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 BMO rewards credit card, you automatically earn points or cash back. Purchases 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 BMO Platinum Credit Card, a BMO Platinum Rewards Credit Card, BMO Boost Secured Credit Card or a BMO Cash Back Credit Card, call 1-855-825-9237. 

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

  • No, your BMO 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 BMO 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.

  • Email us

    Send us a secure message and we'll get back to you within two business days.

    Email us

  • Give us a call

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

Footnote 1 details Participation in BMO Flex Rewards is subject to terms and conditions found in BMO 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 BMO Flex Rewards 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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