Blue Rewards Card Offers: How to Earn & Maximize Points

Blue Rewards card-linked offers are one of the many ways that members of the Blue Rewards program (formerly AIR MILES) can earn these valuable rewards. The Blue Rewards program is free to join, and the card offers are a feature available to all members.

The Blue Rewards card-linked offers let you earn bonus points when you link your Canadian-issued Mastercard and/or eligible BMO payment card to the Blue Rewards program and use that same card to make purchases with participating merchants.

In this article, we’ll go over everything you need to know about Blue Rewards card-linked offers, including how to access them and how to maximize the number of points you earn.

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Blue Rewards Card-Linked Offers: The Basics

Blue Rewards card-linked offers are limited-time promotions that give you bonus points when you make eligible purchases at Blue Rewards’ partnered merchants. The offers are exclusively available to Blue Rewards members who have linked an eligible credit card or BMO payment card. You also typically have to opt in to whichever offer you’d like to use, though conveniently, you can opt in to as many as you’d like at once.

The Blue Rewards card offers primarily give you the chance to earn extra points at the partnered merchants based on how much you spend, or they let you earn a set number of points when you meet a minimum purchase requirement (see image below).

Blue Points have a redemption rate of 1,500 points = $10, so this gives you an idea of the value available through these offers. To learn more about redeeming points, check out our complete guide to the Blue Rewards program.

How to Join Blue Rewards

Joining Blue Rewards (formerly AIR MILES) is both easy and free. To sign up as a new member, simply follow the steps below:

Go to Blue Rewards website
Click on Join Blue Rewards
Enter your email address and click Submit
Provide some basic contact information, verify your account, and complete your profile
You’re all set to start earning!

Keep in mind that if you were previously an AIR MILES member, your account will have been automatically transitioned to the Blue Rewards program in June 2026. Any AIR MILES that you had in your account will have also been converted to Blue Points, with no loss of value.

Blue Rewards Card-Linked Offers: How to Use

The first step to using Blue Rewards card-linked offers is to link your eligible BMO payment card (e.g., BMO credit card or debit card) or Canadian-issued Mastercard to your Blue Rewards account.

After your card is linked, you can opt in to any of the available Blue Rewards offers and then earn the associated bonus points when you make a purchase with that brand using your linked card.

A few things to keep in mind to help you navigate and maximize the offers:

Most offers require that you opt in/activate it in order to access the bonus points; however, some offers will be activated automatically.
Offers are only available for a limited time. The end date for each offer is listed with its details in your Blue Rewards account. Check your offers regularly to make sure you’ve opted in to all the relevant ones.
You can link multiple Mastercards and BMO payment cards to your Blue Rewards account, including supplementary cards.

Also, depending on which type of payment card you’re linking, there are two ways to complete this step: either with an eligible personal or small business BMO credit card/debit card or with a non-BMO Mastercard.

With a BMO payment card

BMO states that card-linked offers are available to Blue Rewards members with Canadian-issued, Canadian dollar BMO-issued personal or small business Mastercard or Visa credit cards, or a BMO-issued personal chequing account debit card.

If you hold an eligible BMO payment card and BMO has your Blue Rewards member number on file, your Blue Rewards account will be automatically linked, so you don’t have to worry about doing this step manually. If BMO doesn’t have your member number already, you can provide it to them by phone or in person at your local branch to link up your card and Blue Rewards account.

Also, for those who’d like to maximize the number of points earned, BMO offers two Blue Rewards co-branded Mastercards:

We’ll share more about how these two cards can provide additional Blue Rewards value in a section below.

Our credit card selection
Credit card	Annual fee	Welcome offer
BMO Blue Rewards Mastercard^®* Apply NowCompare	Annual fee$0	Welcome offerAfter $1,500 in 3 months 20,000 pointsEnds Oct 31, 2026 After $1,500 in 3 months	Apply NowCompare
BMO Blue Rewards World Elite^®* Mastercard^®* Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$150 $0First Year Annual Fee Rebate	Welcome offerAfter $20,000 in 12 months Up to 100,000 pointsEnds Oct 31, 2026 After $20,000 in 12 months	Apply NowCompare

With a non-BMO Mastercard

If you’d like to link a non-BMO Mastercard, you can easily do so by going to the Blue Rewards app or the Blue Rewards card-linked offers website and providing your eligible Mastercard number along with your Blue Rewards member number.

Get the Most from Blue Rewards Card Offers

If you’re looking to maximize the number of Blue Points you earn, there are a few methods worth noting.

Stack Blue Rewards Promotions and Offers

Blue Rewards card-linked offers can be earned on top of other program promotions like Flash Offers, Shop the Block, and personalized offers, giving you a chance to double-up on your earning potential.

For example, Blue Rewards’ Shop the Block (you may remember this as AIR MILES’ Shop the Block event) gives you up to $50 back in points when you earn Blue Points at select brands. By opting in to both this promotion and an overlapping card-linked offer, you’ll be able to earn through both at the same time!

Earn more with a BMO Blue Rewards Mastercard

Another great way to earn more Blue Points is by putting your spending on one of the two Blue Rewards co-branded Mastercards. Both cards offer elevated earning rates for Blue Rewards, a valuable welcome bonus, and additional card perks.

To help you quickly build up your Blue Rewards account balance, the BMO Blue Rewards Mastercard^®* earns at the following rates:

5 points per $1 spent with Blue Rewards partners, including Blue Rewards Travel powered by Expedia
1 point per $1 spent on groceries, gas, EV charging, wholesale, and alcohol purchases
0.5 points per $1 spent on everything else

Compare

BMO Blue Rewards Mastercard^®*

BMO Blue Rewards

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$134Total$134Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $134
Welcome offerAfter $1,500 in 3 months: 20,000 points; Ends Oct 31, 2026

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. The 5-point rate applies on up to $15,000 in net purchases per calendar year at partners, and the 1-point rate on up to $500 per category, per statement cycle.

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

Legal

^†Terms and conditions apply.

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

5xWith the partner brand
1xLiquor stores
1xWarehouse clubs
1xGroceries
1xGas
0.5xAll spending

Value

1st Year Value$349

2nd Year Value$268

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionIncluded

Comparatively, the BMO Blue Rewards World Elite^®* Mastercard^®* earns:

10 points per $1 spent with Blue Rewards partners
2 points on $1 spent on groceries, gas, EV charging, wholesale, and alcohol purchases
1 point per $1 spent on everything else

Plus, you earn the card-linked offer bonus points and other Blue Rewards promotional offers on top of these rates!

Compare

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

BMO Blue RewardsFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$670Annual fee rebated$150Total$820Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $820
Welcome offerAfter $20,000 in 12 months: Up to 100,000 points; Ends Oct 31, 2026

With this offer for the BMO Blue Rewards World Elite Mastercard, you can get up to $1,600 in value. In addition, you pay no annual fee in the first year.

Here’s how to get your full welcome offer:

45,000 points after $5,000 in purchases within the first 110 days after account opening
20,000 points after $10,000 in purchases within the first 180 days after account opening
35,000 points after $20,000 in purchases within the first 365 days after account opening

So, to get your full welcome offer, you’ll need to spend $20,000 in the first year.

With the BMO Blue Rewards World Elite Mastercard, you earn 10 points per dollar at participating Blue Rewards partners and 2 Points for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchase (including Costco). And 1 point per dollar for all other purchases. The 10-point rate applies on up to $25,000 in net purchases per calendar year at partners, and the 2-point rate on up to $500 per category, per statement cycle.

You can also take advantage of a 0% introductory interest rate on balance transfers for 12 months, with a 2% balance transfer fee.

The card also offers:

4 complimentary airport lounge accesses per year via Mastercard Travel Pass provided by DragonPass*
comprehensive travel insurance, including emergency medical coverage of up to $5 million for 15 days*

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

Legal

^†Conditions apply.

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

Annual fee

Primary card$150

Additional card$50

Annual income required

Individual$80,000

Household$150,000

Conversion fees

2.5%

Earning rate

10xWith the partner brand
2xLiquor stores
2xWarehouse clubs
2xGroceries
2xGas
1xAll spending

Value

1st Year Value$1,100

2nd Year Value$226

Card benefits

Airport lounge access$200

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionIncluded

Use an offer more than once

Each Blue Rewards card-linked offer has its own terms and conditions, and some of the offers let you earn the bonus points multiple times during the bonus period.

In many cases, offers let you earn the bonus points with a “Limit of 1 offer per day per Member Number.” This means that you could, for example, earn 715 bonus points when you spend $100 at Sephora on Day 1 of the promotion, and then return on Day 2 and earn the bonus all over again.

Additionally, you can connect supplementary credit cards to your Blue Rewards number or another Blue Rewards number, letting you enjoy these offers multiple times a day (i.e., “1 per member number”).

Take note of Blue Rewards’ partners

Take a look at Blue Rewards’ list of partner merchants and note which brands you like to shop with so that you can be proactive in looking for card offers before your next purchase.

Also, be aware that new partners are added all the time, so check back frequently to see if any more of your favourite merchants have been added.

Bottom Line

Blue Rewards card offers are a great way to boost your points account balance and ultimately save on future purchases. Check out our Blue Rewards program guide to learn about how to redeem your points and further maximize your earnings.

Also, if you don’t have an eligible BMO payment card or non-BMO Mastercard (or you’re just in the market for a new one), make sure to check out our guide to the best credit cards in Canada to find the next addition to your wallet.

FAQs

What are Blue Rewards card-linked offers?

Blue Rewards card-linked offers are limited-time promotions that give you bonus points when you make eligible purchases at Blue Rewards’ partnered merchants.

The offers are available to Blue Rewards members who have linked an eligible credit card or BMO payment card, and you typically need to opt in to be eligible for each offer.

What BMO cards can be linked to the Blue Rewards card offers?

BMO states that card offers are available to Blue Rewards members with Canadian-issued, Canadian dollar BMO-issued personal or small business Mastercard or Visa credit cards, or a BMO-issued personal chequing account debit card.

What non-BMO cards can be linked to the Blue Rewards card offers?

You can link any Canadian-issued Mastercard to your Blue Rewards account in order to access the card offers.

Do I need to activate or opt in to Blue Rewards card offers?

Yes, for most of the Blue Rewards card offers you need to activate or opt in to the specific promotion. Offers are only available for a limited time and are updated often, so check the card offers page regularly so you don’t miss out on an earning opportunity.

Where do I find my Blue Rewards card offers?

You can find your Blue Rewards card offers in your account on the Blue Rewards app or website. Simply navigate to « Earn » and then « Card Offers » to see what’s currently available.

How do I join Blue Rewards?

Joining Blue Rewards (formerly AIR MILES) is both easy and free. To sign up as a new member, simply follow the steps below:

Go to Blue Rewards website
Click on Join Blue Rewards
Enter your email address and click Submit
Provide some basic contact information, verify your account, and complete your profile
You’re all set to start earning!

In this article, we’ll go over everything you need to know about Blue Rewards card-linked offers, including how to access them and how to maximize the number of points you earn.