{"id":333787,"date":"2025-11-12T10:30:00","date_gmt":"2025-11-12T15:30:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=333787"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"how-to-use-bmo-reward-points","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-use-bmo-reward-points\/","title":{"rendered":"Guide: How to Use BMO Rewards Points to Maximize Their Value"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-how-to-use-bmo-reward-points\">How to Use BMO Reward Points<\/h2>\n\n\n\n<p>Here&#8217;s how to use BMO Rewards points step by step.<\/p>\n\n\n\n<p>First, there are <a href=\"https:\/\/milesopedia.com\/en\/cards\/bmo\/\">a few Bank of Montreal credit cards<\/a> that offer BMO Rewards points:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend\u2122 World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-eclipse-visa-infinite-privilege-card\/\">BMO eclipse Visa Infinite Privilege* Card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-rewards-business-mastercard\/\">BMO Ascend World Elite Business Mastercard<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>The one used for this example is the <a title=\"BMO eclipse Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-eclipse-visa-infinite\/\" rel=\"noindex\">BMO eclipse Visa Infinite* Card<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"105658,105731,22672\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>BMO Rewards points are deposited into your BMO Rewards account within 2 to 3 business days after the transaction. So they&#8217;re ready to use in no time!<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-redeeming-bmo-rewards-points-for-travel-with-a-bmo-credit-card\">Redeeming BMO Rewards Points for Travel with a BMO Credit Card<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pay-with-points-option\">Pay with Points Option<\/h3>\n\n\n\n<p>Book your trip however you like and pay for your purchase with your BMO Rewards credit card. This can be directly with <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-points-work\/\">merchants categorized as travel purchases<\/a>, such as:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>An airline, railway or hotel;<\/li>\n\n\n\n<li>Car rental company;<\/li>\n\n\n\n<li>A travel agency offering vacation packages, Disney packages, cruise packages or guided tours, etc.;<\/li>\n\n\n\n<li>A cruise line.<\/li>\n<\/ul><\/div>\n\n\n\n<p>You have from the moment you incur the travel cost<strong> until 90 days after purchase<\/strong> to apply your points to that cost. 150 BMO Rewards points equals one dollar in credit on your credit card. So you get a $100 credit on your credit card in exchange for 15,000 points.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-the-bmo-pay-with-points-option-works\">How the BMO Pay with Points Option Works<\/h3>\n\n\n\n<p>Go directly to the <a target=\"_blank\" href=\"https:\/\/bmorewards.com\/fr\/\">BMO Rewards<\/a> website and log in to your account.<\/p>\n\n\n\n<p>Alternatively, go to your online banking profile and select your BMO Rewards credit card. Go to the <strong>Rewards<\/strong> tab.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1656\" height=\"1022\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-overview.jpeg\" alt=\"Guide: How to Use BMO Rewards Points to Maximize Their Value - points bmo portail\" class=\"wp-image-333753\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-overview.jpeg 1656w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-overview-450x278.jpeg 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-overview-1024x632.jpeg 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-overview-200x123.jpeg 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-overview-768x474.jpeg 768w\" sizes=\"auto, (max-width: 1656px) 100vw, 1656px\" \/><\/figure>\n\n\n\n<p>Then, click on <a target=\"_blank\" href=\"https:\/\/bmorewards.com\/fr\/\">Access BMO Rewards<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1667\" height=\"1294\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-rewards-1.jpeg\" alt=\"Guide: How to Use BMO Rewards Points to Maximize Their Value - bmo recompenses acces\" class=\"wp-image-333813\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-rewards-1.jpeg 1667w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-rewards-1-450x349.jpeg 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-rewards-1-1024x795.jpeg 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-rewards-1-200x155.jpeg 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-rewards-1-768x596.jpeg 768w\" sizes=\"auto, (max-width: 1667px) 100vw, 1667px\" \/><\/figure>\n\n\n\n<p>Click on the <strong>Pay with points<\/strong> section.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2001\" height=\"1487\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-transactions-rewards.jpeg\" alt=\"Guide: How to Use BMO Rewards Points to Maximize Their Value - payer avec points bmo\" class=\"wp-image-333760\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-transactions-rewards.jpeg 2001w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-transactions-rewards-450x334.jpeg 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-transactions-rewards-1024x761.jpeg 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-transactions-rewards-200x149.jpeg 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-transactions-rewards-768x571.jpeg 768w\" sizes=\"auto, (max-width: 2001px) 100vw, 2001px\" \/><\/figure>\n\n\n\n<p>On this page, you will find all transactions eligible for points redemption. Depending on their type, they have a different exchange of points:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>150 points for $1 travel credit;<\/li>\n\n\n\n<li>200 points for $1 in statement credit for all other purchases.<\/li>\n<\/ul><\/div>\n\n\n\n<p>We recommend using BMO Rewards points on travel expenses, as these require fewer points. Depending on your situation or if you\u2019re not travelling, redeeming points for other purchases can be convenient!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1976\" height=\"1346\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-transactions-rewards-pay.jpeg\" alt=\"Guide: How to Use BMO Rewards Points to Maximize Their Value - payer points bmo achat\" class=\"wp-image-333765\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-transactions-rewards-pay.jpeg 1976w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-transactions-rewards-pay-450x307.jpeg 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-transactions-rewards-pay-1024x698.jpeg 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-transactions-rewards-pay-200x136.jpeg 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-transactions-rewards-pay-768x523.jpeg 768w\" sizes=\"auto, (max-width: 1976px) 100vw, 1976px\" \/><\/figure>\n\n\n\n<p>You can move the cursor to determine the number of points to apply to the exchange. When you are satisfied with the transaction, click on <strong>Redeem now<\/strong>.<\/p>\n\n\n\n<p>A green BMO points redemption confirmation message will appear, certifying that the transaction has been successfully completed.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"1087\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-echange-points-.jpeg\" alt=\"Guide: How to Use BMO Rewards Points to Maximize Their Value - bmo echange points\" class=\"wp-image-357970\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-echange-points-.jpeg 1600w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-echange-points--450x306.jpeg 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-echange-points--1024x696.jpeg 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-echange-points--200x136.jpeg 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-echange-points--768x522.jpeg 768w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>Then, the credit will magically appear in your card&#8217;s transactions within 3 to 5 business days.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"105658\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-investing-with-bmo-reward-points\">Investing with BMO Reward Points<\/h2>\n\n\n\n<p>Your BMO Rewards points can help with personal finance and <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/invest-reward-points\/\">investments<\/a>! With the points you\u2019ve accumulated, you can invest in a:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>BMO Savings Account with Advantageous Rate (RRSP or open\/non-registered account)<\/li>\n\n\n\n<li>BMO Smart Saver Account<\/li>\n\n\n\n<li>BMO Investorline (RRSP, RESP and open\/non-registered accounts)<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"185630\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-the-bmo-invest-with-points-option-works\">How the BMO Invest with Points Option Works<\/h3>\n\n\n\n<p>Go directly to the <a target=\"_blank\" href=\"https:\/\/bmorewards.com\/fr\/\">BMO Rewards<\/a> website and log in to your account.<\/p>\n\n\n\n<p>Alternatively, go to your online banking profile and select your BMO Rewards credit card. Go to the <strong>Invest<\/strong> tab.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1923\" height=\"1500\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/invest-points-bmo-1-1.jpeg\" alt=\"Guide: How to Use BMO Rewards Points to Maximize Their Value - investir points bmo\" class=\"wp-image-333767\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/invest-points-bmo-1-1.jpeg 1923w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/invest-points-bmo-1-1-450x351.jpeg 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/invest-points-bmo-1-1-1024x799.jpeg 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/invest-points-bmo-1-1-200x156.jpeg 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/invest-points-bmo-1-1-768x599.jpeg 768w\" sizes=\"auto, (max-width: 1923px) 100vw, 1923px\" \/><\/figure>\n\n\n\n<p>For every 15,000 points redeemed, $100 will be invested into the eligible BMO account of your choice.<\/p>\n\n\n\n<p>The minimum redeemable is 15,000 points. When you&#8217;re ready, click on <strong>Review<\/strong> to revise and confirm your choice.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"105731\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-redeem-bmo-rewards-points-for-gift-cards-and-merchandise\">Redeem BMO Rewards Points for Gift Cards and Merchandise<\/h2>\n\n\n\n<p>In the <strong>Shop<\/strong> section, there are two categories:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Gift cards<\/li>\n\n\n\n<li>Merchandise (Kids and toys, Home goods, Fashion and travel, Computers, phones, office supplies, and more)<\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-gift-cards-with-bmo-points\">Gift Cards with BMO Points<\/h3>\n\n\n\n<p>Gift cards can be digital, physical, or prepaid. There are many kinds of shops, in many categories, to suit your taste.<\/p>\n\n\n\n<p>The number of BMO points required may vary, but in general, you\u2019ll need <strong>23,000 BMO Rewards points<\/strong> for a $100 gift card.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1970\" height=\"1506\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/gift-cards-bmo-rewards.jpeg\" alt=\"Guide: How to Use BMO Rewards Points to Maximize Their Value - carte cadeau points bmo\" class=\"wp-image-333769\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/gift-cards-bmo-rewards.jpeg 1970w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/gift-cards-bmo-rewards-450x344.jpeg 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/gift-cards-bmo-rewards-1024x783.jpeg 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/gift-cards-bmo-rewards-200x153.jpeg 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/gift-cards-bmo-rewards-768x587.jpeg 768w\" sizes=\"auto, (max-width: 1970px) 100vw, 1970px\" \/><\/figure>\n\n\n\n<p>Electronic gift cards are sent by email within 12 hours.<br>Physical and prepaid gift cards are mailed within 4 weeks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-merchandise-with-bmo-points\">Merchandise with BMO Points<\/h3>\n\n\n\n<p>A multitude of items are available for purchase with points. A <strong>minimum of 80% in points<\/strong> is required. The rest must be paid with a BMO Rewards card.<\/p>\n\n\n\n<p>The delivery time for merchandise by mail is 4 weeks.<\/p>\n\n\n\n<p>For example, we have calculated a few items, including taxes and delivery:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\"><strong>Article<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Points required<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>In-store value<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Value per $100<\/strong><\/td><\/tr><\/thead><tbody><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\">Breville The Toast Select Luxe toaster Sea Salt color<\/td><td class=\"has-text-align-center\" data-align=\"center\">46&nbsp;000<\/td><td class=\"has-text-align-center\" data-align=\"center\">$230<\/td><td class=\"has-text-align-center\" data-align=\"center\">20,000 points<\/td><\/tr><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\">Apple iPhone 17 256GB in black<\/td><td class=\"has-text-align-center\" data-align=\"center\">292&nbsp;500<\/td><td class=\"has-text-align-center\" data-align=\"center\">$1471<\/td><td class=\"has-text-align-center\" data-align=\"center\">19,884 points<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1954\" height=\"1504\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-rewards-merchandise.jpeg\" alt=\"Guide: How to Use BMO Rewards Points to Maximize Their Value - marchandise points bmo\" class=\"wp-image-333774\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-rewards-merchandise.jpeg 1954w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-rewards-merchandise-450x346.jpeg 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-rewards-merchandise-1024x788.jpeg 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-rewards-merchandise-200x154.jpeg 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/12\/bmo-rewards-merchandise-768x591.jpeg 768w\" sizes=\"auto, (max-width: 1954px) 100vw, 1954px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-value-of-bmo-rewards-points\">Value of BMO Rewards Points<\/h2>\n\n\n\n<p>Depending on your needs and preferences, you have several options for redeeming your BMO points.<\/p>\n\n\n\n<p>Here&#8217;s how many points it takes to get $100 in value with your BMO Rewards points for:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Travel credit: 15,000 points<\/li>\n\n\n\n<li>A credit on any other transaction: 20,000 points<\/li>\n\n\n\n<li>Merchandise (number of points may vary)&nbsp;: Approx. 20,000 points<\/li>\n\n\n\n<li>A gift card (number of points may vary): Approximately 23,000 points<\/li>\n<\/ul><\/div>\n\n\n\n<p>You need fewer points to redeem for travel expenses, which is the best value for your BMO Rewards points!<\/p>\n\n\n\n<p>BMO Rewards points can be very useful for treating yourself to items, investing, or giving gifts.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22672\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_transfer_my_bmo_rewards_points_from_my_world_elite_mastercard_to_aeroplan_points_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I transfer my BMO Rewards points from my World Elite Mastercard to Aeroplan points?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No. BMO Rewards points must be used within this program only. But you can pay for your flight yourself and use BMO Rewards points to reimburse it after.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_book_my_trip_directly_on_the_bmo_rewards_website_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I book my trip directly on the BMO Rewards website?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Since August 2, 2022, it is no longer possible to make a booking on the BMO Rewards website. BMO now allows you to purchase the trip yourself and then redeem the points as described above to reduce costs.<\/p>\n\n\n\n<p>If you need help booking travel or special activities, your BMO credit card concierge service is there to help:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a rel=\"noindex\" title=\"BMO Ascend\u2122 World Elite\u00ae* Mastercard\u00ae*\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-world-elite-mastercard\/\" data-shortcode=\"true\">BMO Ascend World Elite Mastercard<\/a>: 1-800-741-6758<\/li>\n\n\n\n<li><a rel=\"noindex\" title=\"BMO eclipse Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-eclipse-visa-infinite\/\" data-shortcode=\"true\">BMO eclipse Visa Infinite* Card<\/a>: 1-888-853-4458<\/li>\n\n\n\n<li><a rel=\"noindex\" title=\"BMO eclipse Visa Infinite Privilege* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-eclipse-vip\/\" data-shortcode=\"true\">BMO eclipse Visa Infinite Privilege* Card<\/a>: 1-855-822-1240<\/li>\n<\/ul><\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_value_of_1_bmo_rewards_point_how_much_is_1_bmo_point_worth_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the Value of 1 BMO Rewards Point? How much is 1 BMO Point Worth?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Between $0.0043 and $0.0067, so one BMO Rewards point is worth 2\/3 of a cent or less.<\/p>\n\n\n\n<p>Depending on the type of exchange, points have a different value:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>150 points for $1 credit on travel expenses;<\/li>\n\n\n\n<li>200 points for $1 credit on all other purchases.<\/li>\n<\/ul><\/div>\n\n\n\n<p>So here&#8217;s the value of a BMO Rewards Point:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$ 0.0067 for 1 BMO point if redeemed for travel credit<\/li>\n\n\n\n<li>$0.0050 for 1 BMO point if redeemed for credit on all other purchases<\/li>\n<\/ul><\/div>\n\n\n\n<p>The value is greater and the need for points is less if BMO Rewards points are used to reimburse travel expenses. It&#8217;s the best value!<\/p>\n\n\n\n<p>Otherwise, there are other options such as:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$ 0.0050 for 1 BMO point if redeemed for merchandise<\/li>\n\n\n\n<li>$0.0043 for 1 BMO point if redeemed for a gift card<\/li>\n<\/ul><\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_much_are_80_000_bmo_rewards_points_worth_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow much are 80,000 BMO Rewards Points Worth?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>One BMO point is worth a maximum of $0.0067, so 80,000 BMO Rewards points are worth $536 (80,000 x $0.0067). Check the value of your BMO points on our <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/bmo-rewards\/\" target=\"_blank\" rel=\"noopener\">BMO Rewards program page<\/a> by entering the number of points to automatically calculate their value.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"where_to_find_a_bmo_rewards_points_calculator_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhere to Find a BMO Rewards Points Calculator?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Check the value of your BMO points on our <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/bmo-rewards\/\" target=\"_blank\" rel=\"noopener\">BMO Rewards program page<\/a> by entering the number of points to automatically calculate their value.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"162101\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>","protected":false},"excerpt":{"rendered":"<p>The Bank of Montreal offers the BMO Rewards program. Earn BMO Rewards points with every purchase you make, then redeem them for travel, shopping, or investing.<\/p>","protected":false},"author":127,"featured_media":333977,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48139],"tags":[],"mc_loyalty_program":[702],"class_list":["post-333787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tutorials","mc_issuer-bmo-en","mc_loyalty_program-bmo-rewards","mc_market-all-of-canada","tutorial-bmo-en"],"acf":{"mc_approved_badge":false,"mc_card_used":22672,"mc_featured_card_specific":22672,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- 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