BMO Blue Rewards Mastercard®*

Card Features

  • Welcome Offer: Get 20,000 Bonus Points and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee*. Plus, earn rewards from over 400 brands.*
  • Earn 5 Points for every $1 spent at participating Blue Rewards Partners*
  • Earn 1 Point for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchases*
  • Earn 0.5 Points for every $1 spent on everything else*
  • Earn additional Points on top of your credit card Points when you use your physical or digital Blue Rewards Member Card at checkout*
  • Get even more Blue Points when you add an extra cardholder for free
  • Redeem any amount of Points to reduce what you pay out of pocket when using a combination of your BMO Blue Rewards credit card and Points*
  • Redeem your Points for entertainment, merchandise, eGift Cards, in-store purchases and more*
  • Unlock exclusive offers at top brands through Blue Rewards offers
  • Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool.*
  • Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*
  • Get 20% off admission to Cirque du Soleil shows in Canada, and 15% off resident shows in Las Vegas*
  • Extended warranty and purchase protection*
  • Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information
*Terms and conditions apply.

Interest Rates

Purchase APR: 21.99%

Balance Transfer APR: 23.99% (21.99% for Quebec residents)

Cash Advance APR: 23.99% (21.99% for Quebec residents)

Annual Fee

$0

Pros

  • Generous sign up offer
  • Many reward redemption options
  • Unique entertainment and travel benefits

Cons

  • Not a low APR
  • Only 0.5 points earned on some purchases

Bonus Offer

Welcome Offer: Get 20,000 Bonus Points and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee*. Plus, earn rewards from over 400 brands.*

Introductory Rates

Reward Earnings Rate

Additional Details

Fees