Independent ClearFin review · BMO · Mastercard
Start with 20,000 Bonus Blue Points + 0.99% Balance Transfer Offer, worth about $133.
Current new-cardmember offer
Confirm with the issuer
🆓 No-Fee RewardsIts strongest published earn rate in our data is 0.67% on groceries. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueHow to earn it
Available to new cardholders who meet the offer requirements. Account must remain open and in good standing. Terms and conditions apply.
Confirm final approval criteria and current rates directly with the issuer.
Applicants typically have the strongest approval odds with a fair to good credit profile. As a no-annual-fee rewards card, the BMO Blue Rewards Mastercard is generally more accessible than premium World Elite products while still requiring responsible credit management.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated approval range based on industry data and cardholder reports. BMO does not publish a minimum credit score requirement, and approval decisions consider additional factors such as income, credit history, existing debt, payment history, and overall creditworthiness.
Reward limits: The BMO Blue Rewards Mastercard does not publish annual spending caps on its accelerated earn categories. Cardholders earn 5 Blue Points per $1 at participating Blue Rewards Partners, including Blue Rewards Travel powered by Expedia, and 1 Blue Point per $1 on eligible grocery, gas, electric vehicle charging, wholesale club, and alcohol purchases. All other eligible purchases earn 0.5 Blue Points per $1. No category spending limits are currently disclosed by BMO.
Redemption values and availability may vary by option and can change.
Redeem the card's rewards through the issuer's current rewards program.
Available options, minimums, transfer access, and redemption values vary; confirm the current program terms before applying.
Consider these extras by the value they add to purchases and experiences you already use.
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.
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.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
5 Blue Points per $1 at Blue Rewards Partners, 1 pt/$1 on groceries, gas, EV charging, wholesale clubs and alcohol. No annual fee.
Groceries, Gas receive the strongest estimated return at 0.67%. Purchases outside the accelerated categories earn an estimated 0.33%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on groceries and gas and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
