BMO Blue Rewards Mastercard®*

Flytrippers opinion: A no-fee card with an increased welcome bonus (but it's still pretty low).
BMO Blue Rewards Mastercard®* Flytrippers Valuation
of Welcome bonus (net value)		 ends October 31st

via BMO secure application link
≈ $ 143ⓘ

Rewards: ≈ $143

Card fee: $0
Card eligibility
no minimum income
required

Welcome bonus eligibility
must not have had
this specific card
before 		Blue points (more simple)
Bonus: 20k pts
Earn on min. spend: 1.5k pts (total: 21.5k pts)

• ≈ $143 for travel
• $143 for merchandise
• $143 for gift cards
  		How to unlock bonus
spend $1,500
in 110 days

Interest rates:
Purchases: 21.99%
Cash advances: 23.99% (QC: 21.99%)
Balance transfers: 23.99% (QC: 21.99%)
Terms and conditions apply. Flytrippers editorial opinion only. BMO is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

Summary of Flytrippers' review

WHY GET THIS CARD

  • Welcome bonus of ≈ $143 that’s good for a no-fee card
  • Rewards of the more simple type that can be redeemed for almost any travel expense
  • The fact that it’s a no-annual-fee card

WHO SHOULD GET THIS CARD

  • Those who want rewards that are more simple and can be applied to almost any travel
  • Those with lower income (minimum income requirement of only $15k)
  • Those who want a no-annual-fee card (even though the total net value is always what you should look at)

How to learn more

All card details

Offer structure

  • 20,000 points Bonus after spending $1,500 (in a maximum of 110 days)*

20,000 points Total with the welcome bonus

‣ Apply for the BMO Blue Rewards Mastercard®*

Total rewards by unlocking the welcome bonus

  • 20,000 points Welcome bonus
  • 1,500 points Estimated earn on the $1,500 minimum spending requirement (at multiplier earn rate of 1 pt/$)

21,500 points Welcome bonus  + Earn on the minimum spending requirement to unlock the welcome bonus

‣ Apply for the BMO Blue Rewards Mastercard®*

Net value (at our Flytrippers Valuation of ≈0.67¢/pt)

  • ≈ $133 Welcome bonus (20,000 pts)
  • ≈ $10 Earn on the required spending (1,500 pts)
  • –$0 Card fee

≈ $143 Total net value by unlocking the welcome bonus

‣ Details about our Flytrippers Valuation of welcome bonuses

━

Effective return rate

≈ 9.5% Return on the minimum spending requirement of $1,500 in 110 days

‣ Details about effective return rates (coming soon)

━

Rewards acquisition summary

$143 Rewards you get for $0 in fees paid

‣ Apply for the BMO Blue Rewards Mastercard®*

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 21,500 Blue points you get by unlocking the welcome bonus:

  • ≈ $143: Any trips on the Blue Rewards website
  • ≈ $143: Merchandise
  • ≈ $143: Gift cards

‣ Details about the Blue Rewards program (coming soon)

━

Value of redemption options (per point)

For each available redemption option, here is the value per Blue point to help you understand:

  • ≈ 0.67¢: Any trips on the Blue Rewards website
  • ≈ 0.67¢: Merchandise
  • ≈ 0.67¢: Gift cards

‣ Details of the value per point

Monthly Instacart credit (and 3 months of Instacart+)
You get a $5 monthly Instacart credit and 3 months of the Instacart+ premium plan by enrolling your card.*

‣ Details about the BMO Instacart benefit (coming soon)

━

Discount on rental cars
You get a discount of up to 20% at certain locations with National Car Rental and Alamo, and up to 5% at certain locations with Enterprise.*

‣ Details about the BMO car rental benefit (coming soon)

━ 

Cirque du Soleil discount
You get 20% off admission to Cirque du Soleil shows in Canada and 15% off resident shows in Las Vegas.*

‣ Details about the BMO Cirque du Soleil benefit (coming soon)

Insurance included

  • Extended warranty on purchases (doubled, 1 year maximum)*
  • Protection insurance on purchases (90 days)*

‣ Details about the insurance coverage included with the card (coming soon)

━

Insurance not included (among the main types)

  • Medical travel insurance
  • Trip cancellation insurance ($1500 per insured person, per trip)*
  • Trip interruption and delay insurance
  • Flight delay insurance
  • Baggage delay insurance
  • Lost or stolen baggage insurance
  • Hotel burglary insurance
  • Rental car insurance
  • Travel accident insurance
  • Mobile device insurance

‣ Details about the different types of insurance coverage (coming soon)

Earn rates (and effective return at our Flytrippers Valuation)

5 points per $ (≈ 3.33%):

  • Blue Rewards retail partners (Global Pet Foods, Pharmasave, Timber Mart, etc.)
  • Blue Rewards Travel (powered by Expedia)

1 point per $ (≈ 0.67%):

  • Groceries
  • Costco and other membership clubs
  • Liquor stores
  • Gas and electric vehicle charging

0.5 points per $ (≈ 0.33%):

  • Everywhere else

‣ Details about credit card earn rates (coming soon)

Pooling (with additional cards)
You can pool Blue points with free additional cards (“joint” cards) added to this account.

‣ Details about pooling rewards with additional cards (coming soon)

━

Pooling (with separate cards that earn Blue points)
You can pool points across your separate cards that earn Blue points.

‣ Details about pooling Blue points from separate cards (coming soon)

━

Pooling (with travel companions)
You cannot pool Blue points with travel companions. But the points are so easy to redeem that you don’t need to pool them either.

‣ Details about pooling Blue points with travel companions (coming soon)

Expiration (if you have the card)
Blue points never expire as long as you have the BMO Blue Rewards Mastercard®*!

‣ Details about Blue points expiration (coming soon)

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Expiration (if you don’t have the card)
You have 1 option to easily keep your Blue points from expiring even without the card:

  • Redeem points in the 60 days after closing the card

‣ Details about reward expiration policies (coming soon)

How to get started

‣ Details about the steps to follow when applying for a new card in Flytrippers’ free checklist

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How to use/manage rewards

  • Create a Blue Rewards online account in a few clicks (if you don’t already have one)
  • Use/manage your Blue points on the Blue Rewards website or app

‣ Details about how to use/manage Blue points (coming soon)

Card eligibility

  • Minimum income: None
  • Age: Majority in your province
  • Estimated credit score: Good
  • Credit bureau: Equifax Canada

‣ Details about credit card eligibility requirements (coming soon)

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Welcome bonus eligibility

You must not have had the BMO Blue Rewards Mastercard®* before (nor the former BMO AIR MILES Mastercard)

‣ Details about credit card welcome bonus eligibility rules

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Offer end date

October 31st 2026

‣ Sign up for Flytrippers’ free newsletter about travel rewards to get all updates and news

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Summary of card details

  • Issuer: BMO (Bank of Montreal)
  • Network: Mastercard
  • Card Type: Credit card
  • Product Type: Personal card
  • Rewards: Blue points
  • Rewards class: Bank/retail rewards

‣ Details about credit card basics (coming soon)

Fees

  • Card fee: $0*
  • Fee for optional additional card: $0*
  • Foreign transaction fee: 2.5%

‣ Details on why Flytrippers recommends savvy travelers choose cards with annual fees (coming soon)

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Annual interest rates

  • Purchases: 21.99%
  • Cash advances: 23.99% (21.99% for Québec residents)
  • Balance transfers: 23.99%

‣ Details about what Flytrippers recommends regarding interest rates (coming soon)

Welcome Offer: Get 20,000 Bonus Points and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee*.

Plus, earn rewards from over 400 brands.*

Earn 5 Points for every $1 spent at participating Blue Rewards Partners*

Earn 1 Point for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchases*

Earn 0.5 Points for every $1 spent on everything else*

Earn additional Points on top of your credit card Points when you use your physical or digital Blue Rewards Member Card at checkout*

Get even more Blue Points when you add an extra cardholder for free

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*

Redeem your Points for entertainment, merchandise, eGift Cards, in-store purchases and more*

Unlock exclusive offers at top brands through Blue Rewards offers

Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool.*

Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*

Get 20% off admission to Cirque du Soleil shows in Canada, and 15% off resident shows in Las Vegas*

Extended warranty and purchase protection*

Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information

*Terms and conditions apply.

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)

APPLY NOW

via BMO secure application

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Terms & conditions — Travel rewards

†Terms and conditions apply.

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

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