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BMO Blue Rewards is a loyalty program built for everyday Canadian spending, representing the official evolution of the iconic AIR MILES program. Fully integrated into BMO's online and mobile banking channels, the program allows members to accumulate Blue Points on daily essentials—such as groceries, gas, wholesale shopping, and EV charging—using dedicated BMO Blue Rewards Mastercard credit cards or chequing accounts.
Tired of guessing what the value of 45,000 BMO Blue Rewards points is? FinlyWealth's point calculator tool can estimate the value of your points when redeemed through various options in Canada.
Optimal Redemption Value 0.665¢ / point | Optimal Redemption Value 0.665¢ / point | ||
|---|---|---|---|
| 1 point | 0.665¢ | 60,000 points | $399 |
| 10 points | 6.65¢ | 65,000 points | $432.25 |
| 100 points | 66.5¢ | 70,000 points | $465.5 |
| 1,000 points | $6.65 | 75,000 points | $498.75 |
| 2,500 points | $16.63 | 80,000 points | $532 |
| 5,000 points | $33.25 | 85,000 points | $565.25 |
| 10,000 points | $66.5 | 90,000 points | $598.5 |
| 15,000 points | $99.75 | 95,000 points | $631.75 |
| 20,000 points | $133 | 100,000 points | $665 |
| 25,000 points | $166.25 | 125,000 points | $831.25 |
| 30,000 points | $199.5 | 150,000 points | $997.5 |
| 35,000 points | $232.75 | 200,000 points | $1,330 |
| 40,000 points | $266 | 250,000 points | $1,662.5 |
| 45,000 points | $299.25 | 500,000 points | $3,325 |
| 50,000 points | $332.5 | 750,000 points | $4,987.5 |
| 55,000 points | $365.75 | 1,000,000 points | $6,650 |
Loyalty Program
Number of Points
Points
Redemption Options
Travel
45,000 BMO Blue Rewards points are worth $299.25 on average if redeemed for Travel
$299.25
0.665¢/point
Gift Cards
45,000 BMO Blue Rewards points are worth $299.25 on average if redeemed for Gift Cards
$299.25
0.665¢/point
Merchandise
45,000 BMO Blue Rewards points are worth $299.25 on average if redeemed for Merchandise
$299.25
0.665¢/point
BMO Blue Rewards Points Value Chart
BMO Blue Rewards Points Value Table
Redemption Option | Average Value |
|---|---|
Travel | 0.665¢ / point |
Gift Cards | 0.665¢ / point |
Merchandise | 0.665¢ / point |
Vancity Rewards
ALL Accor
Delta SkyMiles®
Hilton Honors
United MileagePlus
Air France KLM Flying Blue
Capital One Smart Rewards
Meridian Rewards
Moi Rewards
More Rewards
VIPorter
ATB Rewards
ATB Gold Rewards
National Bank Rewards
Air Miles
Avios
Desjardins BONUSDOLLARS® Rewards
Marriott Bonvoy
BMO Rewards
CIBC Aventura
RBC Avion (Elite) Rewards
TD Rewards
Asia Miles
MBNA Rewards
Tims Rewards
Aeroplan
RBC Avion (Premium) Rewards
WestJet Rewards
PC Financial
CanadianTire Dollars
Scene+
American Express Membership Rewards
These credit cards will give you the most rewards and benefits to optimize for BMO Blue Rewards points

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on BMO's website
Welcome Bonus
Get up to $1,600 in value and the annual fee waived in the first year*. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee*.
Annual Fee
$150 $0
Interest Rates
21.99% / 23.99%□
RECOMMENDED CREDIT SCORE
3.2/5
The BMO Blue Rewards World Elite Mastercard caters to a specific high-income clientele. This competitor is a solid premium contender for those who make frequent Blue Rewards partner purchases, complete with valuable travel perks like lounge access. Still, the reward system is less flexible compared to other similar tier cards.
Pros
Cons
Rewards
Insurance
Coverage
Extended Warranty
Purchase Protection
Travel Medical Insurance (64 & under)
Trip Interruption
Trip Cancellation
Car Rental Damage & Theft
Common Carrier Travel Accident Insurance
Flight Delay
Baggage Delay
Lost or Stolen Baggage
Hotel Burglary Insurance
Benefits
Details
Airport Lounge - Dragon Pass
Global Data Roaming plan
Car Rental Discount
Roadside Assistance
Discount
Discount
Eligibility
Credit Score
Annual Income
Welcome Bonus
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.*
Annual Fee
$0
Interest Rates
21.99% / 23.99%□
RECOMMENDED CREDIT SCORE
3/5
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.
Pros
Cons
Rewards
Insurance
Coverage
Extended Warranty
Purchase Protection
Benefits
Details
Car Rental Discount
Roadside Assistance
Discount
Discount
Eligibility
Credit Score
Annual Income