BMO Rewards: Use your points for any travel!
15,000 points = $100 on any travel purchase
BMO Rewards is BMO’s loyalty program. Several BMO credit cards are part of this program:
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 | |||
| $599 | |||
| $0 |
It is possible to book your travel, wherever you wish, with your BMO Rewards credit card. Then apply your points to this expense at the same conversion rate: 15,000 points = $100.
All you have to do is book your flight, hotel night, or car rental through 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 via Expedia (with a reservation that is fully refundable in case of trip cancellation).
The expense appears in the Pay with BMO Points option:
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:
Then a confirmation of the BMO points redemption is displayed indicating that the transaction was successful:
A few days later, a credit appears on your credit card account, corresponding to the redemption of BMO Rewards points for your travel:
Here are the terms for redeeming BMO Rewards points:
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 have taken advantage of one of our exclusive offers to obtain your BMO Rewards credit card, this is an excellent time to use your points. Especially since travel is starting to resume!
If you have not yet obtained a BMO Rewards credit card through one of our welcome offers, here they are:
BMO Rewards Travel Credit Cards
BMO Ascend™ World Elite®* Mastercard®*
The BMO Ascend World Elite Mastercard is one of the best World Elite Mastercard travel rewards credit cards in Canada. With our welcome offer, you can earn up to 100,000 BMO Rewards points, for a total value of up to $1,600.
Plus, there is no annual fee in the first year for the primary cardholder and additional cardholders, and you get a 0% welcome interest rate on balance transfers for 12 months (with a 2% balance transfer fee).
With the BMO Ascend World Elite Mastercard, you earn:
- 5 points per dollar on eligible travel*
- 3 points per dollar on dining, entertainment and eligible recurring bill payments*
- 1 point per dollar on all other purchases*
The card also offers:
- 4 free airport lounge visits per year through Mastercard Travel Pass provided by DragonPass*
- comprehensive travel insurance, including emergency medical coverage of up to $5 million for 21 days*
- A NEXUS statement credit in the first year*
- Six months of Instacart+ membership plus a $10 monthly Instacart credit with an eligible card*
- Annual feeNo annual fee the first year
- $0 $150
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$771Annual fee rebated$150Total$921Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $921
- Welcome offerAfter $20,000 in 12 months
- Up to 115,000 points
on BMO's website
BMO eclipse Visa Infinite* Card
Exclusive offer: the BMO eclipse Visa Infinite Card is one of the best Visa Infinite rewards credit cards in Canada. With our exclusive offer, you can earn up to 80,000 BMO Rewards points, for a total value of up to $1,200.
The welcome offer also includes a monthly statement credit for streaming services, a $50 annual lifestyle credit and no annual fee in the first year (a $120 value).
With the BMO eclipse Visa Infinite Card, you also get:
- 5x the BMO Rewards points for every dollar spent on groceries, food delivery and takeout, ride-sharing, public transit and gas*
- 1 BMO Rewards point for every dollar spent on all other purchases*
- 10% more points when you add an authorized user to your account*
- A mobile device insurance plan with coverage of up to $1,000*
- The Pay with Points feature, which lets you redeem your points against recent purchases starting at $1*
- Six months of Instacart+ membership plus a $10 monthly Instacart credit with an eligible card*
- Annual feeNo annual fee the first year
- $0 $120
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $589
- Welcome offerAfter $12,000 in 12 months
- Up to 70,000 points
on BMO's website
BMO eclipse Visa Infinite Privilege* Card
The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! When you sign up for this card, you can earn up to 200,000 BMO Rewards points:
- 80,000 points after $6,000 in purchases within the first 110 days of account opening
- 40,000 points after $40,000 in purchases within the first 180 days of account opening
- 80,000 points after $75,000 in purchases within the first 365 days of account opening
You also get a 0% welcome interest rate on balance transfers for 12 months, with a 2% balance transfer fee.
Plus, you’ll get a $200 anniversary credit that you can use however you like!
You also get a Visa Airport Companion Program membership with six free visits per year to airport lounges.
With this Card, you can earn 5 BMO Rewards points per dollar spent on:
- groceries
- gas
- drugstores
- travel
- restaurants and bars
- food delivery
And 1 BMO Rewards point per dollar spent everywhere else.
You can use BMO Rewards points for any travel purchase made with the travel agency or website of your choice (plane tickets, hotels, car rentals, all-inclusives, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.
Finally, enjoy six months of Instacart+ membership and a $10 monthly Instacart credit when you sign up with your eligible BMO credit card.
- Annual fee
- $599
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,340Total$1,340Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,340
- Welcome offerAfter $75,000 in 12 months
- Up to 200,000 points
- Ends Oct 31, 2026
on BMO's website
BMO eclipse rise Visa* Card
The new BMO eclipse rise Visa* Card is a no annual fee travel rewards credit card that requires no minimum income.
With this offer, you can earn up to 25,000 points as a welcome bonus:
- 20,000 points after $1,500 in purchases in the first 3 months
- 2,500 points on your anniversary when you redeem 12,000 points with the Pay with Points option over a 12-month period
- 2,500 points on your anniversary when you pay your balance on time for 12 months
Plus, you can get a 0.99% interest rate on balance transfers for nine months (a 2% balance transfer fee applies).
With the new BMO eclipse rise Visa* Card, you earn:
- 5 points per $2 spent on recurring bill payments
- 5 points per $2 spent on groceries
- 5 points per $2 spent at restaurants and on takeout
- 1 point per $2 spent on all other purchase categories
You can use BMO Rewards points for any travel purchase made with the travel agency or website of your choice (plane tickets, hotels, car rentals, all-inclusives, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.
The new BMO eclipse rise Visa* Card also offers:
- Mobile device insurance
- Purchase protection
- Extended warranty insurance
Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$168Total$168Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $168
- Welcome offerAfter $1,500 in 3 months
- Up to 25,000 points
on BMO's website
Bottom Line
This is a great opportunity to use your BMO Rewards points at their best value. In fact, this was a criticism often expressed in the Milesopedia Community regarding the BMO Rewards program.
We are pleased to see that BMO has decided to make this solution permanent since August 2, 2022!
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 | |||
| $599 | |||
| $0 |
Our featured card
- Annual feeNo annual fee the first year
- $0 $150
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$771Annual fee rebated$150Total$921Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $921
- Welcome offerAfter $20,000 in 12 months
- Up to 115,000 points
on BMO's website
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