BMO Blue Rewards Mastercard®*

Welcome Bonus
20,000 Points
Ends Oct 31, 2026
  • Blue Rewards benefits
  • Purchasing insurance
  • Accepted at Costco
Annual Fee
Interest rates
Purchase Rates
21.99%
Cash Advance Rates
23.99%
21.99% (QC)
Balance Transfer Rates
23.99%
21.99% (QC)
BMO Blue Rewards Mastercard
BMO Blue Rewards Mastercard®*
20,000 Points
Ends Oct 31, 2026
Apply Now

Offer

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

Benefits

  • 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
  • Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
  • Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*
  • Extended warranty and purchase protection*
  • Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

Fees & Conditions

Personal Income $0
Household Income $0
First Additional Card $0
First Year Annual Fee Rebate - First Additional Card
Other Additional Card $0
Foreign Transaction Fee 2.5%
Balance Transfer
Balance Transfer - Promotional Rate 0.00%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Offer ends on Oct 31, 2026
Welcome Bonus amount 20,000 Points
Minimum Spending Required $1,500
Minimum Spending Timeframe (Months) 3 month(s)
Costco

Earnings

Per dollar of purchases

All Spending 0.5 Point
Groceries 1 Point
Gas 1 Point
Dining and Food delivery 0.5 Point
Convenience Stores 0.5 Point
Drugstores 0.5 Point
Local Transport 0.5 Point
Travel 0.5 Point
Entertainment 0.5 Point
Recurring Payments 0.5 Point
Telecom/Internet 0.5 Point
Streaming services 0.5 Point
Online transactions 0.5 Point
Office Supplies 0.5 Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
48 day(s)
Hotel/Motel Burglary Insurance

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection

Our review

With this offer for the BMO Blue Rewards Mastercard, you receive a 20,000 Blue Rewards points welcome bonus. In addition, you benefit from a 0.99% introductory interest rate on balance transfers for nine months.

With the BMO Blue Rewards Mastercard, you earn 5 points per dollar at participating Blue Rewards partners and 1 point per dollar on groceries, gas, electric vehicle charging, wholesale and alcohol purchases (including Costco). And 0.5 point per dollar on all other purchases.

Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.

Frequently Asked Questions

Alternative Cards

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