BMO Blue Rewards World Elite^®* Mastercard^®*

Offer structure (3 separate bonuses)

• 45,000 points Bonus after spending $5,000 (in a maximum of 110 days)*
• 20,000 points Bonus after spending $5,000 more (in a maximum of 180 days)*
• 35,000 points Bonus after spending $10,000 more (in a maximum of 365 days) and renewing the card*

100,000 points Total with the welcome bonus (3 parts)

‣ Apply for the BMO Blue Rewards World Elite^®* Mastercard^®*

Total rewards by unlocking the welcome bonus

• 100,000 points Welcome bonus (3 parts)
• 30,000 points Estimated earn on the $20,000 minimum spending requirement (50% at multiplier earn rate of 2 pts/$ and 50% at base earn rate of 1 pt/$)

130,000 points Welcome bonus  + Earn on the minimum spending requirement to unlock the welcome bonus

‣ Apply for the BMO Blue Rewards World Elite^®* Mastercard^®*

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

• ≈ $300 Bonus after spending $5,000 (45,000 pts)
  
• ≈ $50 Earn on the required spend of $5,000 (7,500 pts)
• ≈ $133 Bonus after spending $5,000 more (20,000 pts)
• ≈ $50 Earn on the required spending of $5,000 more (7,500 pts)
• ≈ $234 Renewal bonus after spending $10,000 more (35,000 pts)
• ≈ $100 Earn on the required spending on the $10,000 more (15,000 pts)
• –$0 Card fee Year 1 (first-year annual fee rebated)
• –$150 Card fee Year 2

≈ $717 Total net value by unlocking the welcome bonus

‣ Details about our Flytrippers Valuation of welcome bonuses

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Effective return rate

≈ 3.6% Return on the minimum spending requirement of $20,000 in 365 days

‣ Details about effective return rates (coming soon)

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Rewards acquisition summary

≈ $867 Rewards you get for $150 in fees paid

‣ Apply for the BMO Blue Rewards World Elite^®* Mastercard^®*

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 130,000 Blue points you get by unlocking the welcome bonus:

• ≈ $867: Any trips on the Blue Rewards website
• ≈ $867: Merchandise
• ≈ $867: Gift cards

‣ Details about the Blue Rewards program (coming soon)

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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

4 annual free passes for VIP airport lounges worldwide
You get 4 free passes per calendar year to enter 1200+ airport lounges around the world, including 20+ in 9 Canadian airports. All DragonPass lounges (Mastercard Travel Pass by DragonPass).*

‣Learn more about airport lounge access

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$200 NEXUS credit
A credit will appear if you charge a NEXUS fee to your card in the 1^st year — and you should really have NEXUS if you don’t already.*

‣ Details about the BMO NEXUS credit (coming soon)

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Up to 3GB of free data and discounts with FlexiRoam eSIM card
You get a 15% discount on a Global Data Roaming plan and up to 3GB of free data.*

‣ Details about the Mastercard FlexiRoam benefit (coming soon)

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Monthly Instacart credit (and 3 months of Instacart+)
You get a $10 monthly Instacart credit and 3 months of the Instacart+ premium plan by enrolling your card.*

‣ Details about the BMO Instacart benefit (coming soon)

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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)

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Roadside assistance benefit
Receive basic coverage provided by Dominion Automobile Association (DAA), including battery boosts, flat-tire change, lockout service, and towing.*

‣ Details about the BMO roadside assistance benefit (coming soon)

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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)

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Mastercard World Elite benefits
Get discounts on shows, restaurants, services, and products in Canada and abroad thanks to Mastercard World Elite benefits.*

‣Learn more about Mastercard World Elite benefits (coming soon)

Insurance included

• Medical travel insurance for ages 64 and under (15 days; $5M)*
• Trip cancelation insurance ($1500 per insured person, per trip)*
• Trip interruption and delay insurance ($2000 per insured person, per trip)*
• Flight delay insurance ($500, 4hr minimum)*
• Baggage delay insurance ($500/person, $1000 total)*
• Lost or stolen baggage insurance ($500/person, $1000 total)*
• Hotel burglary insurance ($1000)*
• Rental car insurance ($65k maximum MSRP)*
• 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)

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Insurance not included (among the main types)

• Medical travel insurance for ages 65 and above*
• 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)

10 points per $ (≈ 6.67%):

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

2 points per $ (≈ 1.33%):

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

1 point per $ (≈ 0.67%):

• Everywhere else

‣ Details about credit card earn rates (coming soon)

Pooling (with additional cards)
You can pool Blue points with up to 3 additional cards (“joint” cards) added to this account. Additional cards have a fee of $50 (the first-year fee is rebated for 3 additional cards if they’re added during the application).

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

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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)

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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 World Elite^®* Mastercard^®*!

‣ Details about Blue points expiration (coming soon)

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Expiration (if you don’t have the card)
You have 2 options to easily keep your Blue points from expiring even without the card:

• Change the card to its no-fee version instead of closing it
• Redeem points in the 60 days after closing the card

‣ Details about reward expiration policies (coming soon)

How to get started

• Apply for the BMO Blue Rewards World Elite^®* Mastercard^®**
• Spend $5,000 (in a maximum of 110 days) to unlock 1^st part of bonus*
• Spend an extra $5,000 (in a maximum of 180 days) to unlock 2^nd part of bonus*
• Spend an extra $10,000 (in a maximum of 365 days) and renew card to unlock 3^rd part of bonus*

‣ 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: $80,000 (personal) OR $150,000 (household)
• Age: Majority in your province
• Estimated credit score: Excellent
• 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 World Elite^®* Mastercard^®* before

‣ Details about credit card welcome bonus eligibility rules

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Offer end date

October 31^st 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: $150 (first year annual fee rebated)*
• Fee for optional additional card: $50 (rebated the first year)*
• 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 up to $1,600 in value and the annual fees waived in the first year*. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee*.

Earn 10 Points for every $1 spent at participating Blue Rewards Partners*

Earn 2 Points for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchases*

Earn 1 Point for every $1 spent on everything else*

$200 NEXUS Statement Credit in your first year*

Airport lounge access with complimentary membership in Mastercard Travel Pass provided by DragonPass, plus 4 free passes per calendar year.*

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

Get the $150 annual fee rebated annually with our BMO Premium Chequing Account*

Unlock exclusive offers at top brands through Blue Rewards offers

Out-of-province/out-of-country emergency medical insurance up to $5 million per insured person, per trip – up to 15 consecutive days.*

Get up to 15% off a Global Data Roaming plan and up to 3GB of data without any additional charges with FlexiRoam.*

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.*

Plus car rental collision/loss damage insurance*

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 six months of Instacart+ and a $10 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.