Blue Rewards

Updated Aug 6, 2026
Loyalty program Blue Rewards
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Cards
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Points Value
CAD
0.67¢
What is the value of your points?
Value
CAD
$335

The AIR MILES program has taken its final bow. Since June 2, 2026, Blue Rewards has taken over as the new loyalty program operated by a subsidiary of BMO. This summary covers the essentials: points, partners, credit cards, redemption options, and the now-completed transition.

Whether you are already an AIR MILES member or looking for an advantageous loyalty program, here is a complete overview of Blue Rewards. Also, consult our selection of the best credit cards to maximize your rewards.

Don’t wait: the best credit card welcome bonuses change every month and some are ending soon. Check out the credit card offers ending this month.

What is Blue Rewards

Blue Rewards is the transformation of the AIR MILES program. BMO designed this program to simplify the loyalty experience in Canada. It combines a network of over 400 existing partners, new strategic partners, a modernized digital platform, and direct integration with BMO banking services.

Membership remains free and open to all Canadian residents. Furthermore, you do not need to be a BMO customer to participate. However, BMO customers enjoy additional benefits, including the ability to earn points with their debit card.

How Blue Points Work

Points Value

The program uses a simple equation: 1,500 Blue points = $10 for in-store redemptions or e-gift cards. This formula replaces the dual AIR MILES system (Cash Miles and Dream Miles) with a single balance. Additionally, daily usage limits and standard terms apply to in-store exchanges.

This gives a unit value of 0.67¢ per point, or about two-thirds of a cent. This is the same value as BMO Rewards points (the parallel program linked to BMO Ascend and eclipse cards). Both BMO programs are now worth exactly the same upon redemption, without being interchangeable: a Blue Rewards points balance cannot be transferred to a BMO Rewards balance, and vice versa.

Conversion rate: 1 AIR MILES Mile = 16 Blue Points

The conversion of AIR MILES balances was done automatically, with no loss of value, at a rate of 1 AIR MILES Mile to 16 Blue Points. Here is what that looks like in concrete figures:

AIR MILES balanceBlue Points balanceIn-store value
95 Miles1,520 Points≈ $10
500 Miles8,000 Points≈ $53
1,000 Miles16,000 Points≈ $107
5,000 Miles80,000 Points≈ $533
10,000 Miles160,000 Points≈ $1,067

Earning Points

There are several ways to earn Blue points:

  • Retail Partners: Over 400 participating brands across Canada
  • BMO Credit Cards: Earn on every purchase with Blue Rewards cards
  • BMO Chequing Accounts: Points on debit card purchases (with registration)
  • Receipt Scanning: Extra points via the mobile app on grocery purchases

Program Partners

Existing Partners

Blue Rewards maintains access to over 400 brands already present in the AIR MILES network. These include Pharmasave, Global Pet Foods, participating grocery retailers, and warehouse clubs across Canada.

New Strategic Partners

BMO has confirmed the addition of several renowned partners in three key sectors:

SectorPartnerDetails
Air TravelPorter AirlinesCanadian Airline
HospitalityAccor GroupFairmont, Sofitel, Novotel
DeliveryInstacartHome Grocery Delivery
DiningMTY GroupThai Express, Pizza Delight, Sushi Shop, Mr. Sub, Manchu Wok, Mucho Burrito, Jugo Juice

These partnerships are confirmed and have been active since the program launch on June 2, 2026.

Shell Canada: transition completed

Members were able to earn and use points at Shell Canada until May 25, 2026 (March 2, 2026, in Alberta). Since those dates, Shell has switched exclusively to the Scene+ program and no longer has any affiliation with Blue Rewards.

Redemption Options

In-Store Redemptions

Members can redeem their points in several ways:

  • In-Store Discounts: Direct discounts at participating partners
  • E-Gift Cards: Online exchange for vouchers
  • Fixed Rate: 1,500 points = $10 on every eligible transaction

Blue Rewards Travel

Blue Rewards Travel, powered by Expedia Group, provides access to virtually all major travel providers. You can book flights, hotels, and rental cars, then use your points to cover all or part of the cost.

  • No Minimum Threshold: Use your points starting from the very first point earned
  • Mixed Payment: Combine points and cash to pay for your bookings
  • Wide Selection: Access to the Expedia network for flights, hotels, and rentals
  • Cruises Excluded: Cruise bookings are not available through the platform
  • On-Site Fees: Fees paid directly to the establishment cannot be covered by points

Blue Rewards Credit Cards

BMO launched its new Blue Rewards credit cards on June 2, 2026: the Blue Rewards Mastercard and the Blue Rewards World Elite Mastercard. These cards are positioned among the only retail credit cards in Canada to offer built-in accelerators on several everyday categories, including:

  • Gas: Accelerated earn rate at gas stations and EV charging stations
  • Grocery: Bonus points on supermarket purchases
  • Warehouse Clubs: Accelerated earning at membership-based big-box stores
  • Alcohol (World Elite card): Accelerated earn rate on alcohol purchases

Additionally, BMO Blue Rewards credit card holders get 10x the Blue points at participating partners. For every dollar spent at these partners, you earn rewards ten times faster.

How the 10x accelerator works

The principle is simple: you shop at a participating partner, pay with your Blue Rewards credit card, and earn extra points per dollar spent. The mechanic combines two rates:

  • With the Blue Rewards Mastercard (no fee): 5 Points per $1 at partners (combined cap of $500 per cycle)
  • With the Blue Rewards World Elite Mastercard: 10 Points per $1 at partners (combined cap of $1,000 per cycle)

On top of that, you get a bonus by presenting your Blue Rewards membership card at checkout: you earn the partner’s points in addition to your credit card points. This is what BMO calls “double-dipping.”

CategoryParticipating Partners (10x accelerator)
TravelBlue Rewards Travel (powered by Expedia)
Pharmacy and petsPharmasave, Global Pet Foods
Rental CarsBudget, Alamo, National Car Rental
HardwareTIMBER MART
Atlantic CanadaKENT, Irving Oil
QuebecPitou Minou & Compagnons
Nova ScotiaNova Scotia Liquor Corporation

The welcome offers in effect at launch were up to 100,000 Blue points (value of approximately $1,600) for the personal Blue Rewards World Elite Mastercard, and up to 20,000 points for the personal standard version. Business cards are also available.

FeaturesBMO Blue Rewards MastercardBMO Blue Rewards World Elite Mastercard
Annual Fee$0$150 (first-year rebate)
Income RequiredNone$80,000 personal or $150,000 household
Credit scoreGood (680+)Very good (725-759)
Base rate0.5 Point per $11 Point per $1
Groceries, gas, alcohol, wholesale1 Point per $12 Points per $1
10x partners5 Points per $110 Points per $1
Welcome Offer20,000 Points (≈ $133)100,000 Points (up to $1,600 in total value)

A higher earn rate than the old AIR MILES

With Shell’s departure, some former AIR MILES members are questioning the program’s value. For everyday spending, the BMO Blue Rewards World Elite Mastercard still earns more than the old AIR MILES card. In accelerated categories (groceries, gas, alcohol, warehouse clubs), it earns 2 Points per dollar, or about 1.3% in value at a rate of 0.67¢ per Point. By comparison, the old AIR MILES card earned the equivalent of about 0.8% in those same categories.

Old AIR MILESBlue Rewards World Elite
Value earned (per $12 spent)≈ $0.10≈ $0.16
Value rate≈ 0.8%≈ 1.3%

Note: this 1.3% rate applies to everyday categories. The card’s base rate is 1 Point per dollar (about 0.67%), while purchases with participating partners can reach 10 Points per dollar (about 6.7%).

Blue Rewards vs BMO Rewards

Be careful not to confuse the two BMO programs. They are two distinct ecosystems, even though the unit value of the points is identical (0.67¢).

  • BMO Rewards: BMO’s legacy program, tied to Ascend and Eclipse cards. Redeem for travel, merchandise, or investment deposits.
  • Blue Rewards: the new program from AIR MILES, tied to Blue cards and the retail partner network. Redeem in store, for e-gift cards, and for travel via Expedia.

In practical terms: if you have a BMO Ascend card, you earn BMO Rewards points. If you have a BMO Blue Rewards card, you earn Blue Points. The two balances are separate, but worth the same when redeemed.

Benefits for BMO Customers

BMO customers enjoy exclusive benefits beyond credit cards. Notably, all BMO chequing account holders can register to earn points with their debit card.

  • Debit Card: Earn points on gas, groceries, warehouse clubs, and electric vehicle charging
  • BMO Mobile App: Direct access to your points balance and personalized offers
  • BMO Online Banking: Unified management of your bank accounts and rewards

Transition from AIR MILES

The transition to Blue Rewards happened automatically on June 2, 2026. No action was required from members. Here is what has not changed:

  • Automatic Conversion: AIR MILES miles became Blue points of equivalent value
  • Member Number: The current membership number has been retained
  • Active Cards: Physical and digital AIR MILES cards have remained functional
  • BMO Credit Cards: The cards continued to work normally, with the number unchanged, and were automatically renamed “Blue Rewards Card” in the weeks following the launch
  • Login Credentials: Current login credentials have been retained
  • AIR MILES Gold Status: automatically migrated to the equivalent status in Blue Rewards, with preservation confirmed by BMO
  • Irving Oil Transactions: a display delay was expected from May 31 to June 5, 2026 (points credited but not displayed immediately)

App and Platform

The AIR MILES app updated automatically to become the Blue Rewards app. The new logo now appears on the icon. If you still see the AIR MILES logo, download the latest version from your app store.

The app allows you to:

  • Scan Receipts: Earn points on your grocery purchases
  • Manage Linked Cards: View and edit your cards in one place
  • Access Offers: Receive personalized promotions
  • Check Your Balance: Track your points in real time

Launch Schedule

PeriodEvent
January 2026Official announcement, merger of Cash/Dream balances, opening of the card waitlist
March 2026Enhanced travel services via Expedia Group
June 1, 2026Automatic conversion of AIR MILES miles into Blue points
June 2, 2026Official launch of Blue Rewards and BMO Blue Rewards credit cards

Who is Blue Rewards for?

The Blue Rewards program is primarily designed for everyday, practical use. It is worth considering if:

  • You regularly shop with network partners (pharmacy, pets, car rentals, travel, hardware)
  • You want a simple currency, without complex calculations
  • You are already a BMO customer and want to maximize your banking ecosystem
  • You were an AIR MILES member and want to continue effortlessly

However, if your priority is optimizing points for business-class flights or transfers to airline programs, programs such as Aeroplan, American Express Membership Rewards, or RBC Avion remain more rewarding.

Official Resources

Conclusion

Blue Rewards marks a turning point for loyalty in Canada. Since its launch on June 2, 2026, the program retains the network of 400+ AIR MILES partners while adding players like Porter Airlines, Accor, and Instacart. The 1,500 points = $10 formula simplifies value calculation, and the travel platform via Expedia Group expands booking options.

For former AIR MILES members, the transition was effortless. For new members, free membership and BMO Blue Rewards credit cards with built-in accelerators offer an attractive entry point. Consult our best credit cards to compare all available options, and subscribe to our newsletter to follow upcoming announcements.

Blue Rewards — Frequently Asked Questions

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