BMO Rewards: Use your points for any travel!

Updated Nov 18, 2025
Un couple heureux s'amuse, avec des logos BMO intégrés à l'image
To the point Starting August 2, 2022, BMO Rewards will allow you to use your points on any travel charged to your card!

15,000 points = $100 on any travel purchase

Until now, the best use of BMO Rewards points was through the BMO Rewards portal to book travel. You could use 15,000 points to get $100 off your travel purchase:

  • Flights
  • Hotel booking
  • Rental cars
  • Cruises

This was something restrictive compared to other rewards programs that allow points to be applied, at the same redemption rate, for any travel booked with the card.

Now, as of August 2, 2022, you can book your travel anywhere you want with your BMO Rewards credit card. Then apply your points to that expense at the same conversion level: 15,000 points = $100.

Bmo Points Exchange August 2022 En

All you have to do is book your flight, hotel night or car rental with any travel booking site(Expedia, Booking, Marriott, Hilton, Holiday Autos, Auto Europe, etc.).

In the spring of 2022, BMO offered this option on a temporary basis. Here is an example with a hotel booked through Expedia (with a fully refundable reservation in case of cancellation of the stay).

The expense appears in the Pay with BMO Points option:

Bmo Expedia Exchange En

Within the next 30 days, all you have to do is indicate the number of points you wish to use. Here, I redeem all my BMO points:

Bmo Expedia Exchange Total Fr

Then a confirmation of the BMO points redemption is displayed indicating that the transaction was successful:

Bmo Expedia Exchange Total Confirmation

A few days later, a statement credit will appear on your credit card account, corresponding to the redemption of BMO Rewards points for your travel:

Bmo Expedia Exchange Credit Au Compte Fr

Here are the terms and conditions for redeeming BMO Rewards points with this offer:

Your purchases must be made at merchants that are classified as: airlines, car rental agencies, hotels/resorts, cruise lines, passenger railways, timeshares, travel agencies and tour operators.

Exclusive offers from Milesopedia

If you took advantage of one of our exclusive offers to get your BMO Rewards credit card, now is a great time to use your points. Especially since travel is starting to pick up!

If you haven’t already obtained a BMO Rewards credit card through one of our exclusive welcome offers, here they are:

Bottom Line

This is an excellent opportunity to use your BMO Rewards points at their best. This is a complaint that was often made in the Milesopedia Community about the BMO Rewards program.

We are pleased that BMO has decided to make this solution permanent as of August 2, 2022!

Come to discuss that topic in our Facebook Group!
Jean-Maximilien Voisine
Jean-Maximilien Voisine
Jean-Maximilien Voisine is the President and Founder of Milesopedia and a leading expert in rewards programs, credit cards, and travel across Canada, France, and the U.S.A. Now 40 years old and a father of two, he has explored more than 100 countries—many of them alongside his wife Audrey and their children. Specializing in loyalty programs such as Aeroplan, Flying Blue, American Express Membership Rewards, and Marriott Bonvoy, Jean-Maximilien helps travellers unlock the full potential of their points and benefits. His mission: empower others to travel better and smarter across North America and Europe.
All posts by Jean-Maximilien Voisine

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