New cardmembers can earn 20,000 Bonus Blue Points + 0.99% Balance Transfer Offer, worth roughly $133, by completing the steps below.
How to earn it
20,000 Bonus Blue PointsMeet the welcome offer requirements outlined by BMO after account opening.
0.99% introductory balance transfer rate for 9 monthsComplete an eligible balance transfer within the promotional period. A 2% balance transfer fee applies.
Available to new cardholders who meet the offer requirements. Account must remain open and in good standing. Terms and conditions apply.
How you earn
5 Blue Points per $1 spent at participating Blue Rewards Partners, including travel booked through Blue Rewards Travel powered by Expedia
1 Blue Point per $1 spent on eligible grocery purchases
1 Blue Point per $1 spent on eligible gas purchases
1 Blue Point per $1 spent on eligible electric vehicle charging purchases
1 Blue Point per $1 spent on eligible wholesale club purchases
1 Blue Point per $1 spent on eligible alcohol purchases
0.5 Blue Points per $1 spent on all other eligible purchases
Built-in perks & coverage
Blue Rewards Program
Earn and redeem Blue Points across more than 400 brands, including travel, merchandise, entertainment, eGift cards, and in-store purchases.
Blue Rewards Travel
Book flights, hotels, car rentals, and vacation packages through Blue Rewards Travel powered by Expedia while earning additional Blue Points.
Blue Rewards Partner Offers
Access exclusive promotions, bonus point opportunities, and special offers from participating Blue Rewards partners.
Extra Blue Points with Member Card
Earn additional Blue Points when using your Blue Rewards membership card alongside your credit card at participating partners.
Free Additional Cardholders
Add extra cardholders at no additional cost and accelerate Blue Point accumulation through combined spending.
Purchase Protection
Eligible purchases are protected against accidental loss, theft, or damage for a specified period after purchase.
Extended Warranty
Doubles the original manufacturer's warranty period on eligible purchases, subject to policy limits.
Car Rental Discounts
Save up to 20% at National Car Rental and Alamo Rent A Car, and up to 5% at Enterprise Rent-A-Car locations worldwide.
Show all 15 benefitsShow fewer
Cirque du Soleil Discounts
Receive 20% off admission to eligible Cirque du Soleil shows in Canada and 15% off resident shows in Las Vegas.
Instacart+ Membership Offer
Receive three complimentary months of Instacart+ membership and a monthly Instacart credit when enrolled through the eligible promotion.
Mastercard Zero Liability Protection
Protection against unauthorized purchases made with your card if it is lost, stolen, or used fraudulently.
Mastercard Identity Check
Enhanced online purchase authentication that helps protect cardholders during eligible e-commerce transactions.
BMO Alerts
Receive notifications for large purchases, suspicious activity, and important account events to help monitor account security.
Free Credit Score Access
Access Credit Coach through the BMO app to monitor your credit score and credit profile without affecting your score.
Card Controls Through Mobile Banking
Lock, unlock, report a lost card, dispute transactions, and manage card settings directly through the BMO mobile app.
The verdict
What we like
No annual fee
Generous welcome bonus
High partner purchase optimization
Roadside assistance availability
Worth noting
Niche optimization
Standard balance transfer rate after promotional period
Low point value
Limited insurance coverage
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money.
