Illustration, not the actual card design.
BMO · Earns BMO Blue Rewards points
BMO Blue Rewards Mastercard
Annual fee
None
Welcome offer
Up to 20,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $1,500 in your first 110 days.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$140
+$140 welcome bonus
+$0 yearly credits
−$0 fee
Year 2
$0
+$0 yearly credits
−$0 fee
Every year after
$0
+$0 yearly credits
−$0 fee
Plus 1 benefit with no fixed dollar value, like Avis and Budget rental discount. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 11, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Oct 31, 2027. Not available to current or former BMO Blue Rewards cardholders who reinstate a closed account or open a new account for the same card during the offer period. Existing BMO credit card cardholders who transfer into this card during the offer period are not eligible.
- 1Spend $1,500 in your first 110 days20,000 pts≈ $140 est.Year 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 0.7¢ per BMO Blue Rewards point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Gas & Fuel | 1 pt per $ | 0.7¢ |
| Groceries | 1 pt per $ | 0.7¢ |
| Everything else | 0.5 pts per $ | 0.35¢ |
What else you get
Perks
- Avis and Budget rental discount
At least 10% off the lowest available discountable Time and Mileage retail rates at Avis and Budget in Canada and the US, and up to 30% (Avis) or 35% (Budget) when prepaid
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by BMO. Card and program names belong to their owners.
Details last checked Oct 11, 2026.