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/5
BMO
Mastercard
BMO Blue Rewards Mastercard®*Points Calculator
Get 20,000 Bonus Points, a 9-month 0.99% introductory interest rate on balance transfers with a 2% transfer fee*, and earn rewards from over 400 brands.*
Our Take
The BMO Blue Rewards Mastercard is a solid contender for cardholders who shop frequently at participating Blue Rewards partners. For no annual fee, the card also offers decent point-potential on common purchases like gas and groceries, including unique categories like wholesale and alcohol purchases. Ultimately though, niche budget-conscious customers will get the most value out of this option.
Card Details
Interest Rates
Purchase: 21.99%
Cash Advance: 23.99%□
Balance Transfer: 23.99%□
□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%
Annual Fees
Main Card: $0
Welcome Bonus
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.*
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
3/5
Institution
BMO
How You Earn Rewards
- 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*
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
2 insurance
4 benefits
Insurance
Coverage
Extended Warranty
Extension of original manufacturer’s warranty up to 1 year*
Purchase Protection
90 days*
Benefits
Details
Car Rental Discount
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.*
Roadside Assistance
Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*
Discount
Get 20% off admission to Cirque du Soleil shows in Canada, and 15% off resident shows in Las Vegas*
Discount
Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Pros & Cons
Pros
- No annual fee
- Generous welcome bonus
- High partner purchase optimization
- Roadside assistance
Cons
- Niche optimization
- Standard balance transfer rate after promo period
Legal
*Terms and conditions apply.
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