BMO Blue Rewards Mastercard
Skip for nowWhat the roles mean
- A no-fee way to collect Blue Rewards points (the program that replaced AIR MILES): 5 points per $1 at partners
Welcome offer now
Earn 20,000 bonus Blue Points after spending $1,500 in net purchases within the first 110 days.
Ends October 31, 2027.
Checked on BMO's own page October 21, 2026. See BMO's page
What it earns in a year
19,500 points a year
Worth about $98 at the simplest redemption, up to $131 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Groceries (First $500 a month, then 0.5× points): 1× points.
- Gas / EV (First $500 a month, then 0.5× points): 1× points.
- Everything else: 0.5× points.
Highlighted = use this card here.
Using your points
On the spending above, 19,500 points a year: worth $98 the easy way, $131 the best way.
- Easy way (0.5¢): Merchandise and statement credit
- Best way (0.67¢): Travel and partner redemptions
How to apply for the BMO Blue Rewards Mastercard
Check first
- Bonus for new cardholders only: not if you hold or held this card, or switch in from another BMO card
- Keep it 365 days: bonus points may be cancelled if you close the card sooner
- Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on BMO's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on BMO's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Welcome offer: spend $1,500 in the first 110 days for 20,000 points (about $133). Apply by October 31, 2027
- Blue Rewards partners (Porter, Instacart, Accor hotels, MTY restaurants): 5 points per $1, up to $15,000 a year
- Groceries, gas, EV charging, warehouse clubs, alcohol: 1 point per $1 on the first $500 a statement in each
- Everything else: 0.5 points per $1 (about 0.3%). Use another card
- Redeeming: 1,500 points = $10 in e-gift cards or at partners, or travel booked through Blue Rewards Travel (Expedia)
- Example: $800/month groceries + $250/month gas = 10,800 points a year = about $72
Key facts
- Annual fee
- $0
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $0
- Min. household income
- $0
- Rewards
- BMO Blue RewardsSee every BMO Blue Rewards card
Annual fee waiver
- No annual fee
From bmo.com product page, checked October 17, 2026. Not an affiliate link.
More BMO cards
BMO eclipse rise VisaNo annual fee
BMO eclipse Visa Infinite$120 fee
BMO Ascend World Elite Mastercard$150 fee
BMO eclipse Visa Infinite Privilege$599 fee
BMO CashBack MastercardNo annual fee
BMO CashBack World Elite Mastercard$139 fee
BMO VIPorter Mastercard$89 fee
BMO VIPorter World Elite Mastercard$199 fee
Pros
- No annual fee, no stated income requirement, free additional cards
- 20,000 points for $1,500 in 110 days
- 5 points per $1 at Blue Rewards partners (about 3.3%)
- Accepted at Costco (Mastercard)
- Roadside assistance included
- 0.99% balance-transfer rate for 9 months (2% fee)
Cons
- 1 point per $1 on groceries and gas is about 0.7% back
- 0.5 points per $1 on everything else (about 0.3%)
- Grocery and gas rate stops after $500 a statement in each
- Points only spend inside Blue Rewards; no airline or hotel transfers
- No travel or phone insurance
- 2.5% on foreign-currency purchases
- Bonus points can be taken back if you close the card within 365 days
Insurance included
- Purchases: 90 days of theft/damage cover, warranty +1 year
Maximums as BMO lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Roadside assistance: battery boost, flat tire, lockout, towing
- Car rental: up to 30% off Avis / 35% off Budget prepaid, up to 20% off National and Alamo
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| BMO Blue Rewards Mastercard | 1× points≈ 0.5% in value | $52 | $0 | October 21, 2026 |
Other cards for gas / ev
Back a year on $3,000 of gas / ev, caps included. Points at best-case value. Before annual fees.
| Card | Earns on gas / ev | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| SimplyCash Preferred | 4% back | $120 | $120 | October 21, 2026 |
| Amex Cobalt | 2× points≈ 4.0% in value | $120 | $192 | October 21, 2026 |
| Amex Gold Rewards | 2× points≈ 4.0% in value | $120 | $250 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $120 | $499 | October 21, 2026 |
| CIBC Dividend Visa Infinite | 4% back≈ 3.9% in value | $118 | $120 | October 21, 2026 |
| BMO eclipse Visa Infinite | 5× points≈ 3.4% in value | $101 | $120 | October 21, 2026 |
| BMO Blue Rewards Mastercard | 1× points≈ 0.7% in value | $20 | $0 | October 21, 2026 |
How the offer has changed
One row per check of BMO's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | 20,000 Bonus Points for $1,500 in net purchases within 110 days; 0.99% balance-transfer intro for 9 months (2% fee). Applications Jun 2, 2026 to Oct 31, 2027Unchanged since October 17, 2026 (product page, BMO footnotes page, fee insert all the same) | $0 | October 31, 2027 |
| October 17, 2026 | 20,000 Bonus Points for $1,500 in net purchases within 110 days; 0.99% balance-transfer intro for 9 months (2% fee). Applications Jun 2, 2026 to Oct 31, 2027Offer unchanged; window extended from October 31, 2026 to October 31, 2027. Caps now confirmed on BMO terms: 5x partners $15,000/yr, 1x categories $500 per category per statement cycle | $0 | October 31, 2027 |
General information, not financial advice. Offers change; confirm on BMO's page before you apply.