BMO Blue Rewards Card Offer: Up to 135,000 Points + First Year Free
Loading article…
The BMO Blue Rewards World Elite Mastercard offers up to 135,000 bonus Blue Points, worth about $900, on applications received by October 31, 2026: 100,000 points from the welcome offer plus 35,000 points from a limited-time offer. Add the NEXUS credit and the first-year annual fee waiver, and the welcome offer reaches $1,600 in value. Once your card is in hand, be sure to also activate Blue Rewards card-linked offers to earn even more points at partner merchants.
For full details on how the program works, see our complete Blue Rewards guide.
On June 2, 2026, BMO is officially launching two Blue Rewards credit cards:
These credit cards are arriving at the same time as the launch of the Blue Rewards program. To compare all the options on the market, visit our page on the best credit cards.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 |
BMO Blue Rewards World Elite®* Mastercard®* Card
With this offer for the BMO Blue Rewards World Elite Mastercard, you get up to $1,600 in value. Plus, you pay no annual fee in the first year.
Here’s how to get the full welcome offer:
- 45,000 points after $5,000 in purchases in the first 110 days after account opening
- 20,000 points after $10,000 in purchases in the first 180 days after account opening
- 35,000 points after $20,000 in purchases in the first 365 days after account opening
So, to get the full welcome offer, you’ll need to spend $20,000 in the first year.
With the BMO Blue Rewards World Elite Mastercard, you get 10 points per dollar with participating Blue Rewards partners and 2 points per dollar on groceries, gas, electric vehicle charging, alcohol and warehouse club purchases (including Costco). Plus 1 point per dollar on all other purchases.
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 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 15 days*
Finally, enjoy a six-month Instacart+ membership and a $10 monthly Instacart credit when you sign up with your eligible BMO credit card.
- 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
Apply Now
on BMO's website
$1,600 Value Breakdown
- Up to $665: 100,000 bonus Blue Points (value in-store or in electronic gift cards)
- Up to $200: NEXUS statement credit in the first year (NEXUS fees must be charged to the primary card)
- Up to $200: annual fee rebate ($150 primary cardholder + $50 per additional card added at application)
- Up to $268: Mastercard Travel Pass program ($93 membership + 4 lounge passes $175)
- Up to $200: 6 months of Instacart+ subscription and monthly $10 credits
- $75: DAA roadside assistance (market value)
- Balance transfer bonus: 0% promotional rate for 12 months (2% transfer fee)
Blue Points Accumulation Rates
The card combines four rates depending on your spending. The 10x rate at partners applies to up to $25,000 in net purchases per calendar year.
| Category | Rate | Combined Cap |
|---|---|---|
| Blue Rewards partners | 10 Points / $1 | $25,000 in net purchases per calendar year |
| Groceries, gas, EV charging, alcohol, warehouse clubs | 2 Points / $1 | $500 per category, per statement cycle |
| All other purchases | 1 Point / $1 | None |
| Bonus at checkout (Blue Rewards membership card presented) | Additional Partner Points | Depending on partner |
Specifically, a $100 purchase at a participating partner earns 1,000 Blue Points on the card, plus partner points at checkout. Thus, two streams of points are added for the same transaction. Furthermore, if a Blue Rewards partner is also a grocery store or gas station, the 10x rate applies, not the 2x.
Included Travel Benefits
- Mastercard Travel Pass Membership: provided by DragonPass, with four complimentary lounge passes per year at airport lounges
- Emergency Medical Insurance: up to $5 million per person, for trips of 15 consecutive days outside the province or country
- Car Rental Discounts: up to 20% at National and Alamo, up to 5% at Enterprise
- FlexiRoam Discounts: up to 15% off a roaming data plan, plus 3 GB free
- Complimentary Roadside Assistance Services: jump-start, tire change, lockout, towing
Shopping and Lifestyle Benefits
- Six months Instacart+ included: plus a monthly $10 Instacart credit
- Cirque du Soleil: 20% off shows in Canada and 15% off resident shows in Las Vegas
- Exclusive Blue Rewards Offers: occasional discounts at major partner brands
- Extended Warranty Insurance and Purchase Protection: on most goods purchased with the card
BMO Blue Rewards Mastercard®* Card
With this offer for the BMO Blue Rewards Mastercard, you get up to 30,000 Blue Rewards points: 20,000 points after $1,500 in purchases within the first 110 days, plus 10,000 limited-time points after $1,000 in purchases at grocery stores, gas and EV charging stations, alcohol retailers, warehouse clubs and participating partners within those same 110 days. Plus, you get a 0.99% introductory interest rate on balance transfers for nine months.
With the BMO Blue Rewards Mastercard, you get 5 points per dollar with participating Blue Rewards partners and 1 point per dollar on groceries, gas, electric vehicle charging, alcohol and warehouse club purchases (including Costco). Plus 0.5 points per dollar on all other purchases.
Finally, enjoy a three-month 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$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
Apply Now
on BMO's website
Milesopedia’s Review of these offers
At Milesopedia, we have been following BMO programs for over ten years. With the launch of Blue Rewards, BMO is breathing new life into a program that had been stagnating since the acquisition of AIR MILES in 2023.
The new BMO Blue Rewards World Elite Mastercard targets two profiles. First, BMO customers who concentrate their primary banking with the issuer. Second, regular shoppers at partner locations (Blue Rewards Travel, Fairmont, Dollarama, Instacart, Pharmasave, Budget, TIMBER MART).
The card’s strong selling point remains the 10x accelerator at participating partners, representing a 6.7% return. Combined with the bonus at checkout (presentation of the Blue Rewards membership card), the effective rate increases even further depending on the partner. The combined cap of $25,000 in net purchases per calendar year leaves you plenty of room before you drop back to the base rate.
The $200 NEXUS credit, lounge access via Mastercard Travel Pass, and 15-day travel insurance place the card in the average range of Canadian World Elite cards, without, however, competing with top travel cards like the American Express Cobalt Card or the BMO Ascend World Elite Mastercard for transfers to Aeroplan and Membership Rewards.
Mark the date: the 35,000 limited-time points only apply to applications received by October 31, 2026, and BMO may change the offer without notice. For full program details, consult our complete Blue Rewards guide.
Who is this card for?
Consider if
- BMO Customer: you already have an eligible chequing account
- Active Former AIR MILES Member: your balance is automatically converted on June 2
- Regular Shopper at Partners: Pharmasave, Budget, TIMBER MART, Blue Rewards Travel
- Occasional Traveler: 4 lounge passes per year are sufficient for 1 to 2 trips
Avoid if
- You want airline transfers: Blue Rewards does not have transfer partners to Aeroplan or Avios
- You don’t shop at partners: without the 10x, the base rate remains modest
- You want to optimize business class flights: Aeroplan or RBC Avion programs are better equipped
- You travel more than 15 days: medical insurance only covers the standard duration
Conclusion
The BMO Blue Rewards World Elite Mastercard comes with a welcome offer that justifies applying for BMO customers and regular shoppers at Blue Rewards partners. The combination of the 100,000 welcome-offer Blue Points, a NEXUS credit of up to $200, the waived annual fee, Mastercard Travel Pass, Instacart credits and DAA roadside assistance represents $1,600 in total value in the first year. On top of that, applications received by October 31, 2026 earn 35,000 limited-time points ($233), for up to 135,000 points in all.
If you are looking for a no-fee option to start with the program, the BMO Blue Rewards Mastercard remains accessible with up to 30,000 bonus Blue Points, including 10,000 limited-time points. Furthermore, to understand all the intricacies of the Blue Rewards program (conversion rates, partners, AIR MILES transition timeline), consult our complete guide.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 |
BMO Blue Rewards World Elite Card – Frequently Asked Questions
Is the BMO Blue Rewards World Elite Mastercard worth it?
For a new cardholder, yes: the welcome offer worth up to $1,600 in value far exceeds the $150 annual fee in the first year alone. The card mainly suits people who travel (lounge access, NEXUS credit, travel insurance) and who can reach the spending thresholds. If you want a no-commitment option, compare it with the no-fee version or with the other best credit cards.
What is the current welcome offer for the BMO Blue Rewards World Elite Mastercard?
You can earn up to 135,000 Blue Points (about $900) on an application received by October 31, 2026. The welcome offer gives up to 100,000 Points ($665 in-store) in three tiers: 45,000 Points after $5,000 in net purchases within the first 110 days, 20,000 Points after $10,000 within the first 180 days, and 35,000 Points after $20,000 within the first 365 days. The limited-time offer adds 35,000 Points ($233) after $2,000 in purchases at grocery stores, gas and EV charging stations, alcohol retailers, warehouse clubs and participating partners within the first 110 days. You also get a NEXUS credit of up to $200, the $150 annual fee waived in the first year and a 0% rate on balance transfers for 12 months (2% fee).
Am I eligible if I already have a BMO card?
The offer is reserved for new cardholders. However, you are not eligible if you are already a BMO Blue Rewards cardholder (current or former), if you reinstate a closed account for the same card, or if you transfer another BMO credit card to this product during the offer period. For other BMO cards not covered (Ascend, CashBack, eclipse, etc.), you remain eligible for this offer.
What are the eligibility criteria?
BMO requires an annual personal income of $80,000 or a household income of $150,000. Additionally, a Very Good credit score (725 to 759) is required. The card is offered to adult Canadian residents in all provinces.
How does the 10x Blue Points accelerator work?
You earn 10 Blue Points per dollar spent at participating Blue Rewards partners: Blue Rewards Travel powered by Expedia, Fairmont, Dollarama, Instacart, Pharmasave, Global Pet Foods, Budget, Alamo, National Car Rental, TIMBER MART, restaurants such as Thai Express, Mr. Sub and Pizza Delight, and regional partners such as KENT, Irving Oil, Pitou Minou & Compagnons and the Nova Scotia Liquor Corporation. However, this rate applies to up to $25,000 in net purchases per calendar year. Beyond that, you drop back to the base rate.
What are the accumulation rates on other purchases?
You earn 2 Blue Points per dollar spent on groceries, gas, electric vehicle charging, alcohol, and at warehouse clubs. However, this rate is capped at $500 in net purchases per category per statement period. Beyond that, purchases revert to the base rate of 1 Point per dollar. On all other non-accelerator category purchases, the rate remains 1 Blue Point per dollar, with no cap. Furthermore, if a grocery store or gas station is a Blue Rewards partner, the 10x rate applies, not the 2x.
How much are Blue Points worth?
1,500 Blue Points are equivalent to $10 for in-store redemptions at participating partners or for electronic gift cards. The unit value is therefore approximately 0.67¢ per point. On this basis, the 100,000 welcome-offer Points are worth $665, and the 135,000 Points of the full offer about $900. For redemptions on Blue Rewards Travel (flights, hotels, car rentals), the value remains similar depending on the exchange terms.
How many lounge passes are included?
The card provides access to Mastercard Travel Pass membership powered by DragonPass, with four complimentary lounge passes per calendar year. Additional visits cost US$32 per person, per visit. The program covers over 1,300 airport lounges worldwide.
Is the $200 NEXUS credit recurring?
No. The NEXUS statement credit of up to $200 applies only in the first year and covers NEXUS application or renewal fees charged to the primary card. The account must be in good standing at the time the fees are incurred. BMO credits the amount up to 12 weeks after the conditions are met. For subsequent years, you pay for the renewal yourself (approximately US$50 every 5 years).
How do I get the $150 annual fee rebate?
With a BMO Premium Plan chequing account, you automatically receive a $150 rebate on the card’s annual fees. For subsequent years, this brings the fees to $0 as long as the chequing account remains active and eligible. To compare BMO accounts, see our guide to BMO banking packages.
What travel insurance is included?
The card covers emergency medical care outside the province or country up to $5 million per person, for trips of a maximum of 15 consecutive days. Coverage also includes rental vehicle loss and damage insurance and purchase protection with extended warranty. However, the 15-day duration is shorter than several competitors (21 days on the BMO Ascend World Elite).
What is the difference with the no-fee BMO Blue Rewards Card?
The no-fee version offers 5 points per dollar at partners (up to $15,000 in net purchases per calendar year), 1 point on groceries and gas, and 0.5 points elsewhere. It does not provide lounge access, travel insurance, or a NEXUS credit. This card will primarily suit profiles that want to test the program without a financial commitment.
Can I transfer my Blue Points to Aeroplan?
No. The Blue Rewards program does not have an airline transfer partner at this time. To book flights, you go through Blue Rewards Travel (powered by Expedia). However, you can now pay 100% of an airline ticket with your points, including taxes and fees, which AIR MILES did not allow.