Prior to September 14, 2026

Valid as of June 2, 2026. Program details and information are also available at www.bluerewards.ca  or by calling 1-888-247-6453. In Toronto, call: (416) 226-5171.

The Blue Rewards Program ("Program") is operated by BMO Blue Rewards, Inc. ("us", "our", or "we"). When you enroll in the Program as a collector of Blue Points ("Points"), we license you to collect Points as a member of the Program (“Member”) by dealing with participating Partner retailers and service providers authorized to issue Points from time to time ("Partners") and to use the Points that you have collected for travel, merchandise, gift certificates and other rewards ("Rewards") provided by participating travel providers, manufacturers, retailers and service providers ("Suppliers") that we make available from time to time.

These general Program terms and conditions, together with any other terms and conditions published on bluerewards.ca (collectively, the “Terms and Conditions”), apply to your participation in the Program. The Terms and Conditions include, without limitation, the following:

• Bluerewards.ca terms and conditions;
• The Blue Rewards App terms and conditions;
• Card Offers terms and conditions;
• Travel Booking Terms and Conditions for bookings made prior to March 16, 2026;
• Travel Booking Terms and Conditions for bookings made on or after March 16, 2026;
• Blue Rewards Shops terms and conditions;
• Blue Receipts terms and conditions;
• Buy Points terms and conditions; and
• Points use terms and conditions.

Enrollment, membership and all related benefits of the Program are offered at our discretion. By enrolling in the Program or collecting Points, you agree that you have read and understand: 

• the Terms and Conditions and are bound by all of them, as changed from time to time, and
• you consent to our collection and use of your personal information in accordance with our Privacy Policy (see Committed to your Privacy directly below).

Committed To Your Privacy

We are committed to protecting your privacy. We collect and use your personal information: (i) to administer the Program, including processing your enrollment, rewards and benefits, and detecting and suppressing fraud; (ii) to process your orders, including the issuance of Rewards and Certificates (as defined below); (iii) to invoice your accounts and Partner accounts, as appropriate; to communicate administrative and other information, marketing and offers to you, including on behalf of our Partners, affiliates and Suppliers; (iv) to understand, analyze and develop insights on your responses, needs and preferences from your participation in the Program, transactions with Partners, affiliates and Suppliers, and/or your digital interaction with the Program, its Partners, affiliates and Suppliers ; (v) to develop, enhance, market and/or provide products and services to meet those needs and preferences; and (vi) to enable you to participate in promotions and contests. View our Privacy Policy for complete details on how we collect, use, disclose and safeguard your Personal Information, your choices, and the rights you have. If our business is transferred to a new owner, we will give affected Members notice before personal information is transferred or becomes subject to a different privacy policy.

Participation In The Program

To enroll in the Program, you must provide us with both a valid mailing address in Canada and a valid email address and you must be at least 16 years of age. If we accept your application for enrollment, we will enroll you in the Program as a Member, assign you a unique member number (“Member Number”) and provide you with a digital Blue Rewards Member Card which displays your Member Number ("Blue Rewards Card"). You may request a physical Blue Rewards Card embossed with your Member Number.  

You may collect Points under one Member Number only. You may request additional Blue Rewards Cards for other members of your household ("Additional Members") to collect Points towards your Member Number, for which we may impose a fee at our discretion. All Points collected by Additional Members for whom you have requested additional access will be recorded under your Member Number.

Points that you and Additional Members (if applicable) collect will go into an account associated with your Member Number ("Member Account").

In case of divorce or relationship breakdown, death, emigration from Canada, duplication error, or with our authorization, you may with our prior consent and upon proper proof and payment of such fees as we may in our discretion impose from time to time, merge your Member Number with the Member Number of a family member or member of your household.

The Program, including all Points, Blue Rewards Card, every certificate or other document which can be exchanged for a Reward ("Certificate") and all rights relating to them, are and will remain our property. You are responsible for all taxes payable as a result of your participation in the Program, including collecting and using Points and obtaining Rewards. 

You may not transfer, sell, exchange, give, charge or otherwise dispose of any Point except in accordance with such conditions as we may prescribe from time to time and upon payment of such fees as we may impose in our discretion from time to time.

You must identify yourself as a Member and present your Blue Rewards Card or provide your Member Number when dealing with Partners in-store, except for Card Offers or unless we indicate otherwise. While similar programs may be offered in other countries, the Program entitles you to collect Points only from Partners in Canada. We will credit your Member Account only with Points you collect when dealing with authorized Partners in good standing with us, and only after the Partner notifies us to do so. We are not responsible if a Partner delays or fails to notify us or for any other delay in recording Points in your Member Account. Some Partner locations may not participate in the Program. We may refuse to record or honour Points in your Member Account, or if already recorded, we may cancel them, if we cannot confirm that they were properly issued or obtained. We may also cancel recorded Points if the issuing Partner does not pay amounts owing to us or tells us to cancel the Points (for example, because you returned or didn't pay for products or services for which the Points were issued). Partners will determine the conditions under which they will issue Points and may change those conditions at any time and without notice. Neither we nor any Partner is responsible for any offer of Points which is no longer in effect. Any dispute must be settled between you and the Partner.  If you believe that Points earned from a transaction are missing from your Member Account, you must notify us after 60 days from the transaction date, and 120 days for Points collected through Bonus Offers or through Blue Rewards promotions. We may require you to submit documentation to support your claim.

Correct sign-in credentials (Member number & PIN or email address and password) are required in order to access your Member Account and to use your Points on bluerewards.ca, the Blue Rewards mobile app or when contacting our Customer Care Centre. Anyone who knows your sign-in credentials will have full access to your Member Account, and may change the address associated with your Member Number and use Points recorded in your Member Account. You are responsible for maintaining the secrecy of your sign-in credentials (PIN or password) for all activities that occur using your PIN or password and for notifying us of any unauthorized use of your PIN or password. We are not responsible or liable in any way for any loss arising from your failure to comply with these provisions. Notify us immediately if your Blue Rewards Card is lost or stolen. 

Cancellation Of Points for Inactivity

If you are not a Quebec resident: If no Points are posted to your Member Account or used from your Member Account for a period of 24 consecutive months, we may cancel the Points recorded in your Member Account without notice or compensation to you.

If you are a Quebec resident: If no Points are posted to your Member Account or used from your Member Account for a period of 24 consecutive months, we may cancel the Points recorded in your Member Account. We will send you a written notice to inform you that your Points will be canceled at a specified date at least 30 days (but not more than 60 days) from the date of the written notice. If no Points are posted to your Member Accounts or used from your Member Accounts by this specified date, your Points will be canceled without compensation to you.

Use Of Points

Points have no cash, monetary or other value and cannot be converted into any currency. They count towards travel services, merchandise, Certificates and other Rewards that we make available from time to time.

You may use our Internet website, our Blue Rewards Customer Care Centre and our Interactive Voice Response System to use Points for the Rewards that we make available from time to time through these channels.

You may use Points in accordance with such conditions and upon payment of such fees as we may prescribe from time to time. The number of Points recorded in your Member Account and the number of Points required to obtain any particular Reward are subject to verification by our Customer Care Centre. Once merchandise, gift certificates or gift cards have been booked or ordered on bluerewards.ca , no changes, cancellations, exchanges or refunds whatsoever are permitted. All Rewards are offered subject to availability and restrictions imposed by Suppliers. We assume no responsibility for any loss, damage, defect, injury, death or expense relating to any Reward, or for your Rewards not turning out as you expected for whatever reason.

You may use Points to pay for purchases from participating Partners and Suppliers in accordance with such conditions and upon payment of such fees as we may prescribe from time to time. Visit bluerewards.ca for a complete listing of participating Partners and Suppliers where Rewards are offered and full details as to how to use Points to obtain a Reward. From time to time, you may obtain specially designated Rewards by using Points or by using a combination of Points and money. We will designate the Rewards to which this feature applies and determine the number of Points and amount of money required to obtain any particular Reward in our sole discretion.

All references to money in the Terms and Conditions are in Canadian dollars, unless otherwise indicated, and we accept payment of money in Canadian dollars only by way of valid credit card. You are responsible for all taxes applicable to any amounts payable to us. We will determine the applicable taxes on the basis of the province in which you reside, as shown in our records at time of payment.

Limitation Of Liability

Neither we, our affiliates nor any of our or their respective officers or directors have any responsibility or liability for any expense, loss, cost, injury, damage, delay, travel cancellation, accident or any other matter or thing whatsoever (collectively, "Costs"), however suffered or caused (including compensatory, incidental, indirect, special, punitive, consequential or exemplary damages or damages for loss of income or profits), directly or indirectly arising out of or related to (i) the Program or your participation in the Program; (ii) any failure, delay or decision by us in administering the Program or amending the Terms and Conditions or the basis on which you can use Points; (iii) unauthorized use of your Member Card, PIN or password; (iv) any offer, representation, statement or claim about the Program, any Partner or Supplier or their products or services, made by a Partner, Supplier or any other person; or (v) the purchase, redemption for or use of any goods or services of Partners or Suppliers, including any travel arrangements or other Rewards, whether made available by us, any of our affiliates, Partners, Suppliers or otherwise. This applies even if we or our representatives are advised of the possibility of such Costs. Partners and Suppliers are not responsible for the Program. Any liability we may have to you or anyone else who obtains the benefit of any Points you use, under any circumstances, for any negligence, breach of contract or otherwise, is limited to crediting your Member Account with the number of Points you used in connection with those circumstances, or, if no Points were used, to a maximum of one-tenth of one cent for each Point recorded in your Member Account when the liability arose. Use of our website is subject to the terms of use displayed thereon from time to time.

Changes

For current Terms and Conditions and other Program details and information, visit www.bluerewards.ca or call our Customer Care Centre. 

At any time and without notice, we may:

• make changes to any Reward or to the Points required to be redeemed for any Reward;
• add, delete, change or substitute Rewards, Partners or Suppliers (including participating airlines).

We may also change any other aspect of these Terms and Conditions, any other aspect of the Program (including booking conditions or procedures for using Points for Rewards), or any Rewards in any respect. For example, but without limitation, we may add, delete, change or substitute time limits for collection, use or redemption of Points, Certificates or Rewards, conditions or procedures of the use of Points, the number of seats available to destinations, the number of blackout dates, travel restrictions, the conversion rate of Points into another exchange unit, the number of Points which will be earned or collected for a particular transaction or fees we charge for the Program. Notice will be provided if required by law by posting the amended Terms and Conditions online at www.bluerewards.ca  or by sending you a written notice to your email or mailing address (if you have provided us with such an address). If you are not a Quebec resident: Unless otherwise required by law, these changes may be made without advance notice and even though changes may affect the value of Points already accumulated. Your continued participation in the Program after the date of the change will constitute your consent to be bound by the change. If you are a Quebec resident: Notice of these changes will be provided at least 60 days (but not more than 90 days) before a change to the Terms and Conditions, the Program or the Rewards comes into force. The notice will be drawn up clearly and legibly and will set out the new clause or both the amended clause and the clause as it read formerly, as well as the date of coming into force of the change. You may refuse any change by closing your Member Account without cost, penalty or cancellation indemnity by sending us a notice to that effect no later than 30 days after the change comes into force. Your continued participation in the Program after the 30-day period has expired will constitute your consent to be bound by the change.

Time-Limited Promotions and Offers

We may offer time-limited promotions relating to the Program. These time-limited promotions may be offered, canceled, changed or substituted at any time without notice and do not constitute a change to the Terms and Conditions, the Program or the Rewards.

Breach

If you become bankrupt, commit fraud, misrepresent any information, violate any Terms and Conditions, abuse your Program privileges or act in any other way to the detriment of us, our Partners or Suppliers or the Program, we may, without affecting our other rights, disclose such information requested by proper authorities, terminate your enrollment and/or cancel your Points and Rewards. If a Point or Reward expires or is cancelled for any reason, it becomes void without compensation.

General

The Terms and Conditions may be different from what you know about the Program. The Terms and Conditions, together with the documents and other terms and conditions referenced and incorporated herein, constitute the entire agreement between you and us regarding your participation in the Program, your entitlement to collect and use Points and your entitlement to any other benefits of the Program, and supersede all previous versions. Except as expressly contained in these Terms and Conditions, there are no conditions, representations, warranties, express or implied, statutory or otherwise. When you deal with us over the Internet, you consent to the formation of contractual relations through electronic communications. We are the final authority as to the interpretation of these Terms and Conditions and as to any other questions or disputes regarding the Program or any Reward. We will not be taken to have waived any of our rights even if we use Points or honour Certificates when not required. Points and Certificates have no cash, monetary or other value and cannot be converted into any currency. All materials and any notices from us will be sent to your address as in our records; please notify us if your address changes. If any provision of the Terms and Conditions is invalid or unenforceable, such provision shall not affect the validity and enforceability of the remaining Terms and Conditions.

If you are a Quebec resident: The Program, all rules and Terms and Conditions are governed by the laws of Quebec. Any dispute regarding the Program or these Terms and Conditions, including validity, existence, binding effect, interpretation, performance, breach or termination, and including extracontractual claims, shall be subject to the exclusive jurisdiction of the courts of Quebec.

If you are not a Quebec resident: The Program, all rules and Terms and Conditions are governed by the laws of Ontario (provided that if the consumer protection laws of the province or territory in which you reside does not permit Ontario law to govern, then the laws of such province or territory will govern). Any dispute regarding the Program or these Terms and Conditions, including validity, existence, binding effect, interpretation, performance, breach or termination, and including extracontractual claims, shall be subject to the exclusive jurisdiction of the courts of Ontario (provided that if the consumer protection laws of the province or territory in which you reside does not permit the selection of exclusive jurisdiction to the courts of Ontario, then such dispute will be subject to the non-exclusive jurisdiction of the courts of the province or territory in which you reside).

Vous reconnaissez et convenez que la version française des présentes modalités et conditions vous a d'abord été présentée et que vous l'avez examinée, et que vous avez ensuite expressément demandé que les présentes modalités et conditions et tous les documents connexes, y compris les avis, soient rédigés en anglais et que vous souhaitez être lié par la version anglaise des présentes modalités et conditions et que vous acceptez de l'être. You acknowledge and agree that you have first been presented with and have examined the French version of these Terms and Conditions, and that you then have expressly requested that these Terms and Conditions, and all related documents including notices, be drawn up in the English language and that you wish to and agree to be bound by the English version of these Terms and Conditions. 

© 2026 BMO Blue Rewards, Inc.

Effective as of September 14, 2026

Valid as of September 14, 2026. Program details and information are also available at www.bluerewards.ca or by contacting Customer Care at 1-888-247-6453. In Toronto, call: (416) 226-5171.

The Blue Rewards Program ("Program") is operated by BMO Blue Rewards, Inc. ("us", "our", or "we"). When you enroll in the Program as a collector of Blue Points ("Points"), we license you to collect Points as a member of the Program (“Member”) by dealing with participating Partner retailers and service providers authorized to issue Points from time to time ("Partners") and to use the Points that you have collected for travel, merchandise, gift certificates and other rewards ("Rewards") provided by participating travel providers, manufacturers, retailers and service providers ("Suppliers") that we make available from time to time.

These general Program terms and conditions, together with any other terms and conditions published on bluerewards.ca (collectively, the “Terms and Conditions”), apply to your participation in the Program. 

The Terms and Conditions include, without limitation, the following:

• Bluerewards.ca terms and conditions;
• The Blue Rewards App terms and conditions;
• Card Offers terms and conditions;
• Travel Booking Terms and Conditions for bookings made prior to March 16, 2026;
• Travel Booking Terms and Conditions for bookings made on or after March 16, 2026;
• Blue Rewards Shops terms and conditions;
• Blue Receipts terms and conditions;
• Buy Points terms and conditions; and
• Points use terms and conditions.

Enrollment, membership and all related benefits of the Program are offered at our discretion, subject to the Terms and Conditions and applicable law. By enrolling in the Program or collecting Points, you agree that you have read and understand: 

• the Terms and Conditions and are bound by all of them, as changed from time to time in accordance with the Terms and Conditions, and
• that you consent to our collection and use of your personal information in accordance with our Privacy Policy (see Committed to your Privacy directly below).

Committed To Your Privacy

We are committed to protecting your privacy. We collect and use your personal information: (i) to administer the Program, including processing your enrollment, rewards and benefits, and detecting and suppressing fraud; (ii) to process your orders, including the issuance of Rewards and Certificates (as defined below); (iii) to invoice your accounts and Partner accounts, as appropriate; to communicate administrative and other information, marketing and offers to you, including on behalf of our Partners, affiliates and Suppliers; (iv) to understand, analyze and develop insights on your responses, needs and preferences from your participation in the Program, transactions with Partners, affiliates and Suppliers, and/or your digital interaction with the Program, its Partners, affiliates and Suppliers; (v) to develop, enhance, market and/or provide products and services to meet those needs and preferences; and (vi) to enable you to participate in promotions and contests. View our Privacy Policy for complete details on how we collect, use, disclose and safeguard your Personal Information, your choices, and the rights you have. If our business is transferred to a new owner, we will give affected Members notice before personal information is transferred or becomes subject to a different privacy policy.

Participation In The Program

To enroll in the Program, you must provide us with both a valid mailing address in Canada and a valid email address and you must be at least 16 years of age. If we accept your application for enrollment, we will enroll you in the Program as a Member, assign you a unique member number (“Member Number”) and provide you with a digital Blue Rewards Member Card which displays your Member Number ("Blue Rewards Card"). You may request a physical Blue Rewards Card embossed with your Member Number. 

You may collect Points under one Member Number only. You may request additional Blue Rewards Cards for other members of your household ("Additional Members") to collect Points towards your Member Number, for which we may impose a fee at our discretion. All Points collected by Additional Members for whom you have requested additional access will be recorded under your Member Number.

Points that you and Additional Members (if applicable) collect will go into an account associated with your Member Number ("Member Account").

In case of divorce or relationship breakdown, death, emigration from Canada, duplication error, or with our authorization, you may merge your Member Number with the Member Number of a family member or member of your household. This is subject to our prior consent, proper proof, if required, and payment of such fees as we may in our discretion impose from time to time.

The Program, including all Points, Blue Rewards Card, every certificate or other document which can be exchanged for a Reward ("Certificate") and all rights relating to them, are and will remain our property. You are responsible for all taxes payable as a result of your participation in the Program, including collecting and using Points and obtaining Rewards. 

You may not transfer, sell, exchange, give, charge or otherwise dispose of any Point except in accordance with such conditions as we may prescribe from time to time and upon payment of such fees as we may impose in our discretion from time to time.

You must identify yourself as a Member and present your Blue Rewards Card or provide your Member Number when dealing with Partners in-store, except for Card Offers or unless we indicate otherwise. While similar programs may be offered in other countries, the Program entitles you to collect Points only from Partners in Canada. We will credit your Member Account only with Points you collect when dealing with authorized Partners in good standing with us, and only after the Partner notifies us to do so. Points will be credited to your Member Account within a reasonable period after they are reported to us by a participating Partner, which may take up to 120 days following completion of the offer terms.  We are not responsible if a Partner delays or fails to notify us or for any other delay in recording Points in your Member Account. Some Partner locations may not participate in the Program. We may refuse to record or honour Points in your Member Account, or if already recorded, we may cancel them, if we cannot confirm that they were properly issued or obtained. We may also cancel recorded Points if the issuing Partner does not pay amounts owing to us or tells us to cancel the Points (for example, because you returned or didn't pay for products or services for which the Points were issued). Partners will determine the conditions under which they will issue Points and may change those conditions at any time, with or without notice to us or you. Neither we nor any Partner is responsible for any offer of Points which is no longer in effect. Any dispute must be settled between you and the Partner.  If you believe that Points earned from a transaction are missing from your Member Account, you must notify us only after 60 days have passed since the transaction date, or at least 120 days in the case of Points collected through Bonus Offers or through Blue Rewards promotions. We may require you to submit documentation to support your claim.

Correct sign-in credentials (email address and password) are required to access your Member Account and to use your Points on bluerewards.ca or  the Blue Rewards mobile app. Members who attempt to sign in using a Member Number and PIN may be required to create or use an email address and password to continue accessing their Member Account. 

Anyone who knows your sign-in credentials will have full access to your Member Account and may change the address associated with your Member Number and use Points recorded in your Member Account. You are responsible for maintaining the secrecy of your sign-in credentials (PIN or password) for all activities that occur using your PIN or password and for notifying us of any unauthorized use of your PIN or password. We are not responsible or liable in any way for any loss arising from your failure to comply with these provisions. Notify us immediately if your Blue Rewards Card is lost or stolen. 

Program Cancellation Rights

You may cancel your participation in the Program at any time by contacting Customer Care at 1-888-247-6453. In Toronto, call: (416) 226-5171.

Cancellation Of Points for Inactivity

If you are not a Quebec resident: If no Points are posted to your Member Account or used from your Member Account for a period of 24 consecutive months, we may cancel the Points recorded in your Member Account without notice or compensation to you.

If you are a Quebec resident: If no Points are posted to your Member Account or used from your Member Account for a period of 24 consecutive months, we may cancel the Points recorded in your Member Account. We will send you a written notice to the email address most recently provided by you to inform you that your Points will be canceled at a specified date at least 30 days (but not more than 60 days) from the date of the written notice. If no Points are posted to your Member Accounts or used from your Member Account by that specified date, your Points will be canceled without compensation to you.

Use Of Points

Points have no cash, monetary or other value and cannot be converted into any currency. They count towards travel services, merchandise, Certificates and other Rewards that we make available from time to time.

You may use our Internet website, our Blue Rewards Customer Care Centre and our Interactive Voice Response System to use Points for the Rewards that we make available from time to time through these channels.

You may use Points in accordance with such conditions and upon payment of such fees as we may prescribe from time to time. The number of Points recorded in your Member Account and the number of Points required to obtain any particular Reward are subject to verification by our Customer Care Centre. Once merchandise, gift certificates or gift cards have been booked or ordered on bluerewards.ca , no changes, cancellations, exchanges or refunds whatsoever are permitted, except that merchandise orders may be cancelled within 48 hours after placing the order for a refund of Points. All Rewards are offered subject to availability and restrictions imposed by Suppliers. We assume no responsibility for any loss, damage, defect, injury, death or expense relating to any Reward, or for your Rewards not turning out as you expected for whatever reason.

You may use Points to pay for purchases from participating Partners and Suppliers in accordance with such conditions and upon payment of such fees as we may prescribe from time to time. Visit bluerewards.ca for a complete listing of participating Partners and Suppliers where Rewards are offered and full details as to how to use Points to obtain a Reward. From time to time, you may obtain specially designated Rewards by using Points or by using a combination of Points and money. We will designate the Rewards to which this feature applies and determine the number of Points and amount of money required to obtain any particular Reward in our sole discretion.

All references to money in the Terms and Conditions are in Canadian dollars, unless otherwise indicated, and we accept payment of money in Canadian dollars only by way of valid credit card. You are responsible for all taxes applicable to any amounts payable to us. We will determine the applicable taxes on the basis of the province in which you reside, as shown in our records at the time of payment.

Limitation Of Liability

Neither we, our affiliates nor any of our or their respective officers or directors have any responsibility or liability for any expense, loss, cost, injury, damage, delay, travel cancellation, accident or any other matter or thing whatsoever (collectively, "Costs"), however suffered or caused (including compensatory, incidental, indirect, special, punitive, consequential or exemplary damages or damages for loss of income or profits), directly or indirectly arising out of or related to (i) the Program or your participation in the Program; (ii) any failure, delay or decision by us in administering the Program or amending the Terms and Conditions or the basis on which you can use Points; (iii) unauthorized use of your Member Card, PIN or password; (iv) any offer, representation, statement or claim about the Program, any Partner or Supplier or their products or services, made by a Partner, Supplier or any other person; or (v) the purchase, redemption for or use of any goods or services of Partners or Suppliers, including any travel arrangements or other Rewards, whether made available by us, any of our affiliates, Partners, Suppliers or otherwise. This applies even if we or our representatives are advised of the possibility of such Costs. Partners and Suppliers are not responsible for the Program. Any liability we may have to you or anyone else who obtains the benefit of any Points you use, under any circumstances, for any negligence, breach of contract or otherwise, is limited to crediting your Member Account with the number of Points you used in connection with those circumstances, or, if no Points were used, to a maximum of one-tenth of one cent for each Point recorded in your Member Account when the liability arose. Use of our website is subject to the terms of use displayed thereon from time to time.

Changes

For current Terms and Conditions and other Program details and information, visit www.bluerewards.ca or call our Customer Care Centre. 

At any time and without notice, we may:

• make changes to any Reward or to the Points required to be redeemed for any Reward;
• add, delete, change or substitute Rewards, Partners or Suppliers (including participating airlines).

We may also change any other aspect of these Terms and Conditions, any other aspect of the Program (including booking conditions or procedures for using Points for Rewards), or any Rewards in any respect. For example, but without limitation, we may add, delete, change or substitute time limits for collection, use or redemption of Points, Certificates or Rewards, conditions or procedures of the use of Points, the number of seats available to destinations, the number of blackout dates, travel restrictions, the conversion rate of Points into another exchange unit, the number of Points which will be earned or collected for a particular transaction or fees we may charge for the Program. Notice will be provided if required by law by posting the amended Terms and Conditions online at www.bluerewards.ca or by sending you a written notice to the email address most recently provided by you If you are not a Quebec resident: Unless otherwise required by law, these changes may be made without advance notice and even though changes may affect the value of Points already accumulated. Your continued participation in the Program after the date of the change will constitute your consent to be bound by the change. If you are a Quebec resident: Notice of these changes will be provided at least 60 days (but not more than 90 days) before a change to the Terms and Conditions, the Program or the Rewards comes into force. The notice will be drawn up clearly and legibly and will set out the new clause or both the amended clause and the clause as it read formerly, as well as the date of coming into force of the change. You may refuse any change by closing your Member Account without cost, penalty or cancellation indemnity by sending us a notice to that effect no later than 30 days after the change comes into force. Your continued participation in the Program after the 30-day period has expired will constitute your consent to be bound by the change.

Time-Limited Promotions and Offers

We may offer time-limited promotions relating to the Program. These time-limited promotions may be offered, canceled, changed or substituted at any time without notice and do not constitute a change to the Terms and Conditions, the Program or the Rewards.

Breach

If you become bankrupt, commit fraud, misrepresent any information, violate any Terms and Conditions, abuse your Program privileges or act in any other way to the detriment of us, our Partners or Suppliers or the Program, we may, without affecting our other rights, disclose such information requested by proper authorities, terminate your enrollment and/or cancel your Points and Rewards. If a Point or Reward expires or is cancelled for any reason, it becomes void without compensation.

General

The Terms and Conditions may be different from what you know about the Program. The Terms and Conditions, together with the documents and other terms and conditions referenced and incorporated herein, constitute the entire agreement between you and us regarding your participation in the Program, your entitlement to collect and use Points and your entitlement to any other benefits of the Program, and supersede all previous versions. Except as expressly contained in these Terms and Conditions, there are no conditions, representations, warranties, express or implied, statutory or otherwise. When you deal with us over the Internet, you consent to the formation of contractual relations through electronic communications. We are the final authority as to the interpretation of these Terms and Conditions and as to any other questions or disputes regarding the Program or any Reward. We will not be taken to have waived any of our rights even if we use Points or honour Certificates when not required. Points and Certificates have no cash, monetary or other value and cannot be converted into any currency. All materials and any notices from us will be sent to the email address most recently provided by you; please notify us if your email address changes. You are responsible for ensuring that your email address is current and capable of receiving communications from us.  We are not responsible for any failure by you to receive notices due to bounced, undeliverable, or blocked emails. We may, but are not required to, attempt to deliver notices by alternative means. If any provision of the Terms and Conditions is invalid or unenforceable, such provision shall not affect the validity and enforceability of the remaining Terms and Conditions.

If you are a Quebec resident: The Program, all rules and Terms and Conditions are governed by the laws of Quebec. Any dispute regarding the Program or these Terms and Conditions, including validity, existence, binding effect, interpretation, performance, breach or termination, and including extracontractual claims, shall be subject to the exclusive jurisdiction of the courts of Quebec.

If you are not a Quebec resident: The Program, all rules and Terms and Conditions are governed by the laws of Ontario (provided that if the consumer protection laws of the province or territory in which you reside does not permit Ontario law to govern, then the laws of such province or territory will govern). Any dispute regarding the Program or these Terms and Conditions, including validity, existence, binding effect, interpretation, performance, breach or termination, and including extracontractual claims, shall be subject to the exclusive jurisdiction of the courts of Ontario (provided that if the consumer protection laws of the province or territory in which you reside does not permit the selection of exclusive jurisdiction to the courts of Ontario, then such dispute will be subject to the non-exclusive jurisdiction of the courts of the province or territory in which you reside).

Vous reconnaissez et convenez que la version française des présentes modalités et conditions vous a d'abord été présentée et que vous l'avez examinée, et que vous avez ensuite expressément demandé que les présentes modalités et conditions et tous les documents connexes, y compris les avis, soient rédigés en anglais et que vous souhaitez être lié par la version anglaise des présentes modalités et conditions et que vous acceptez de l'être. You acknowledge and agree that you have first been presented with and have examined the French version of these Terms and Conditions, and that you then have expressly requested that these Terms and Conditions, and all related documents including notices, be drawn up in the English language and that you wish to and agree to be bound by the English version of these Terms and Conditions. 

© 2026 BMO Blue Rewards, Inc.

Prior to September 14, 2026

Blue Rewards - Card Offers Terms and Conditions 

BMO Blue Rewards, Inc. (“Blue Rewards”) may, from time to time, make certain offers available (each, a “Card Offer”) which allow members of the Blue Rewards Program (“Members”, “you”, or “your”) to earn Blue Points (“Points”) on qualifying purchases at participating brands made with an eligible debit and/or credit card that is linked to your Blue Rewards Member account (“Member Account”) and the unique Member number assigned to you (“Member Number”). Please carefully review these terms and conditions (the “Terms and Conditions”). By submitting a request to link an Eligible Card (as defined below) and/or participating in any Card Offer, you agree to be bound by these Terms and Conditions. Additionally, your participation in each Card Offer is subject to the specific terms applicable to the Card Offer (the “Card Offer Terms”), which can be viewed on the Card Offer’s details page. 

For the purpose of these Terms and Conditions, “Card Offers” include only those offers that can be viewed on the Blue Rewards Card Offers details page. Offers that are not visible on the Blue Rewards Card Offers details page, including offers that allow members to earn Points on qualifying purchases at a particular brand at a consistent base earning rate, are subject to their own terms and conditions which can be viewed on the partner’s details page for the applicable brand.   

Eligible Cards 

Card Offers are available to Blue Rewards members with a Canadian-issued, Canadian dollar (i) Bank of Montreal (“BMO”) issued personal or small business Mastercard or Visa credit card (each a “BMO Credit Card”); (ii) a BMO issued personal chequing account debit card (a “BMO Debit Card”) and/or (iii) any other Mastercard credit card (a “Non-BMO Mastercard”). BMO Credit Cards and BMO Debit Cards will be collectively referred to as “BMO Payment Cards”. BMO Payment Cards and Non-BMO Mastercards will be collectively referred to as “Eligible Cards”. The following credit card products are not eligible for Card Offers, including but not limited to: prepaid credit cards, Diners Club credit cards, and Credit Line for Business Mastercard.

An Eligible Card must first be linked to an valid Member Number, in accordance with one of the linking processes set out below, before it can be used to participate in a Card Offer. A BMO Credit Card or a Non-BMO Mastercard that is linked to a Member Number is referred to as a “Linked Credit Card”. A “Linked Card” means any Linked Credit Card or any BMO Debit Card linked to a Member Number. 

Linking your Member Number to an Eligible Card

BMO Payment Cards are automatically linked to your Member Number, provided BMO has your Member Number on file. No additional registration is required to be eligible for the Card Offers. If BMO does not have your Member Number on file and if you wish to provide BMO with a Member Number or update the Member Number on file, call BMO at 1-877-225-5266 or visit your local BMO branch in Canada. BMO accepts calls from Telecommunication Relay Services (TRS) for customers who are deaf, deafened, or hard of hearing. Please allow at least two business days for your valid Member Number to be linked. You can also call BMO or visit your local BMO branch in Canada to confirm if BMO has your Member Number or to unlink your Member Number if you no longer wish to participate in Card Offers. 

If BMO has your Member Number, any additional BMO Payment Cards issued to you will be automatically linked to your Member Number and you may be presented with different types of Card Offers based on your active BMO Payment Cards.  

Non-BMO issued Mastercard credit card must be manually linked to your Member Number at bluerewardscardlink.ca (the “Promotion Website”). You may also visit the Promotion Website to unlink your Member Number if you no longer wish to participate in Card Offers.   

How to Earn Points with Card Offers 

To earn Points as part of any Card Offer, you must meet all requirements set out in the applicable Card Offer Terms and comply with these Terms and Conditions. Restrictions on the type of Linked Card that must be used to participate in a Card Offer may apply. For example, certain Card Offers may only be available if you use a Linked Credit Card to make the qualifying purchase(s), while others may only be available if you use a linked BMO Payment Card to make the qualifying purchase(s). Please check each unique Card Offer Terms for specific Card Offer details. Additionally, to make purchases with a BMO Debit Card at an online merchant that uses Debit Mastercard to process online transactions, your BMO Debit Card must have the Mastercard logo on it.   

Current Card Offers are listed on the Card Offers page of the Blue Rewards website and/or in the Blue Rewards app and may be revised or removed at any time without notice. If you have a linked BMO Payment Card, you may also access current Card Offers through BMO Online Banking or the BMO Mobile Banking app. Card Offers are subject to availability; once a Card Offer is no longer available (including because its offer period has expired or because it has been removed from the Blue Rewards Card Offers details page), Points will not be awarded for any purchase made after the Card Offer stopped being available. Individual eligibility for a Card Offer may vary. Certain Card Offers may be subject to “opt-in” enrollment before you can participate in the Card Offer. Enrollment in these Card Offers may be limited, including but not limited to by time and/or on a “while quantities last” basis. Details about a Card Offer’s opt-in enrollment requirement (if any) can be viewed on the Card Offer’s details page.   

To qualify for a Card Offer, the eligible spend or purchase transaction(s) as specified in the Card Offer Terms must be made with your Linked Card and posted to your Linked Card account by the unique Card Offer’s end-date. The posting date for each transaction appears on the account statement for your Linked Card. For example, an online purchase made during the Card Offer period may not qualify if the Linked Card is charged on the shipping date and that date occurs after the Card Offer ends. The minimum qualifying purchase or spend amount includes taxes, shipping and handling, as applicable, unless stated otherwise. 

Please allow up to sixty (60) days after the unique Card Offer’s end-date for Points to be posted to your Member Account. Your Linked Card account must be in good standing at the time the Points are awarded.   

Neither Mastercard International Incorporated, Visa Canada Corporation, nor Interac Corp. are responsible for the fulfillment of Card Offers. Purchases made by an authorized user of a supplementary card linked to the Linked Credit Card do not qualify, unless the supplementary card is also linked to the Member Number.  

BMO is not responsible for the fulfillment of the Card Offers, unless the Card Offer itself is a BMO offer or if the Card Offer is for a BMO product or service.

Additional Terms 

Blue Rewards reserves the right to change the Card Offer Terms and to modify, extend or withdraw any Card Offer, for any reason and without notice. Additionally, Blue Rewards reserves the right, at its sole discretion and at any time, to suspend, cancel or terminate your eligibility to participate in any Card Offer, your enrollment in any Card Offer, and/or the fulfillment of any Card Offer in which you have participated, with or without notice, including, without limitation, if Blue Rewards determines or otherwise suspects that you have engaged in improper, unlawful or other activity in violation of applicable law or otherwise not in conformance with the Card Offer Terms or these Terms and Conditions.  

Additional Terms specific to BMO Payment Cards

• You must provide BMO with a valid Member Number before you can qualify for Card Offers to earn Points associated with a Card Offer. 
• Your linked BMO Credit Card (or BMO bank account linked to your BMO Debit Card) must be in good standing to be eligible to earn Points.
• If your BMO Credit Card or BMO bank account linked to your BMO Debit Card is not in good standing, Points earned each month through the use of your BMO Payment Card may not be transferred to your Member Account. 
• If you close your BMO Credit Card or BMO bank account linked to your BMO Debit Card, Points earned in the month in which you close your BMO Credit Card or BMO bank account linked to your BMO Debit Card may not be transferred to your Member Account. 
• There is a processing period between the time BMO reports the Points earned from your BMO Payment Card and when those Points become available in your Member Account.
• Only purchases qualifying for Card Offers made with your BMO Payment Card after you have provided BMO with your Member Number are eligible to earn Points.
• We may cancel or reverse any Points not issued properly. We may refuse to issue Points or may withdraw Points already issued, if we have reason to believe you caused or allowed a breach of any terms and conditions with agreements entered into with BMO, the terms and conditions of the Blue Rewards Program, these Terms and Conditions, or the Card Offer Terms applicable to the Card Offer through which the Points were earned. 
• The linking of your Member Number to your BMO Payment Card, or changes to such linking, may take up to two (2) business days to complete after you provide us with your Member Number, or after making changes to your Member Number on file.
• You can opt out of receiving Points associated with Card Offers at any time. You can opt out by speaking to a representative at your local BMO branch in Canada or by calling the BMO Customer Contact Centre at 1-877-225-5266 for BMO Debit Cards or 1-800-263-2263 for BMO Credit Cards. 

Collection and use of personal information 

You agree to the following collection, use, disclosure, sharing and retention of your information, including information related to your Member Account, your Linked Card and transactions processed on your Linked Card:  

1. For the purpose of administering the Card Offers, you authorize BMO and Blue Rewards, and their respective service providers, to link your Eligible Card and/or BMO Payment Card with your Member Account;   
2. You consent to the collection, use and sharing of your personal information (which includes your Linked Card number, Member Number and transaction data) by each participating merchant, BMO, Blue Rewards and/or their service providers, to:   
3. link your Eligible Card or BMO Payment Card to your Member Account;  
4. identify qualifying transactions that you have made as part of any Card Offer;  
5. determine whether the conditions for the applicable Card Offer have been met and to administer a Card Offer;   
6. enable the issuance of Points you earn to your Member Account. The transaction data monitored will be used for the purpose of enabling your participation in the Card Offer and Blue Rewards Program, enabling the processing of the Card Offers by Blue Rewards, and to assess the results of the Card Offers; and  
7. communicate with you about your participation in, and to promote and provide information about products and services that may be of interest to you, including Offers, BMO products and services and the Blue Rewards Program.   
8. In order to enable and fulfill Card Offers, you understand and agree that certain credit card transaction data related to a Linked Card will be shared with Blue Rewards by the applicable credit card company, including Mastercard in the case of Non-BMO Mastercards and Mastercard or Visa in the case of BMO Credit Cards.  
9. To learn more about your choices, including how to opt out of marketing, please see our privacy policy at Blue Rewards Privacy Policy, BMO’s Privacy Code – Canada at  bmo.com/privacy and Mastercard’s Privacy Policy - Global Privacy Notice.   

Changes to these Terms and Conditions 

Blue Rewards reserves the right to change or modify these Terms and Conditions from time to time by posting a modified version on the Promotion Website. If you do not agree with the current or a modified version of these Terms and Conditions, you must not participate in any Card Offers. Your participation in any Card Offer following the effective date of such change constitutes your agreement to be bound by these Terms and Conditions as modified.

Effective as of September 14, 2026

Blue Rewards - Card Offers Terms and Conditions

BMO Blue Rewards, Inc. (“Blue Rewards”) may, from time to time, make certain offers available (each, a “Card Offer”) which allow members of the Blue Rewards Program (“Members”, “you”, or “your”) to earn Blue Points (“Points”) on qualifying purchases at participating brands made with an eligible debit and/or credit card that is linked to your Blue Rewards Member account (“Member Account”) and the unique Member number assigned to you (“Member Number”). Please carefully review these terms and conditions (the “Terms and Conditions”). By submitting a request to link an Eligible Card (as defined below) and/or participating in any Card Offer, you agree to be bound by these Terms and Conditions. Additionally, your participation in each Card Offer is subject to the specific terms applicable to the Card Offer (the “Card Offer Terms”), which can be viewed on the Card Offer’s details page.

For the purpose of these Terms and Conditions, “Card Offers” include only those offers that can be viewed on the Blue Rewards Card Offers details page. Offers that are not visible on the Blue Rewards Card Offers details page, including offers that allow members to earn Points on qualifying purchases at a particular brand at a consistent base earning rate, are subject to their own terms and conditions which can be viewed on the partner’s details page for the applicable brand.  

Eligible Cards 

Card Offers are available to Blue Rewards members with a Canadian-issued, Canadian dollar (i) Bank of Montreal (“BMO”) issued personal or small business Mastercard or Visa credit card (each a “BMO Credit Card”); (ii) a BMO issued personal chequing account debit card (a “BMO Debit Card”) and/or (iii) any other Mastercard credit card (a “Non-BMO Mastercard”). BMO Credit Cards and BMO Debit Cards will be collectively referred to as “BMO Payment Cards”. BMO Payment Cards and Non-BMO Mastercards will be collectively referred to as “Eligible Cards”. The following credit card products are not eligible for Card Offers, including but not limited to: prepaid credit cards, Diners Club credit cards, and Credit Line for Business Mastercard.

An Eligible Card must first be linked to a valid Member Number, in accordance with one of the linking processes set out below, before it can be used to participate in a Card Offer. A BMO Credit Card or a Non-BMO Mastercard that is linked to a Member Number is referred to as a “Linked Credit Card”. A “Linked Card” means any Linked Credit Card or any BMO Debit Card linked to a Member Number.

Linking your Member Number to an Eligible Card

BMO Payment Cards are automatically linked to your Member Number, provided BMO has your Member Number on file. No additional registration is required to be eligible for the Card Offers. If BMO does not have your Member Number on file and if you wish to provide BMO with a Member Number or update the Member Number on file visit your local BMO branch in Canada. Please allow at least two business days for your valid Member Number to be linked. You can also visit your local BMO branch in Canada to confirm if BMO has your Member Number or to unlink your Member Number if you no longer wish to participate in Card Offers.

If BMO has your Member Number, any additional BMO Payment Cards issued to you will be automatically linked to your Member Number and you may be presented with different types of Card Offers based on your active BMO Payment Cards. 

In September 2026, a new feature (the “CDB Linking Feature”), will be available through BMO online banking and the BMO mobile banking app (collectively, “BMO Digital Banking”), that will allow you to confirm whether BMO has your Member Number on file and to add, change, or remove your Member Number.

Non-BMO issued Mastercard credit card must be manually linked to your Member Number at bluerewardscardlink.ca (the “Promotion Website”). You may also visit the Promotion Website to unlink your Member Number if you no longer wish to participate in Card Offers.  

How to Earn Points with Card Offers 

To earn Points as part of any Card Offer, you must meet all requirements set out in the applicable Card Offer Terms and comply with these Terms and Conditions. Restrictions on the type of Linked Card that must be used to participate in a Card Offer may apply. For example, certain Card Offers may only be available if you use a Linked Credit Card to make the qualifying purchase(s), while others may only be available if you use a linked BMO Payment Card to make the qualifying purchase(s). Please check each unique Card Offer Terms for specific Card Offer details. Additionally, to make purchases with a BMO Debit Card at an online merchant that uses Debit Mastercard to process online transactions, your BMO Debit Card must have the Mastercard logo on it.  

Current Card Offers are listed on the Card Offers page of the Blue Rewards website and/or in the Blue Rewards app and may be revised or removed at any time without notice. If you have a linked BMO Payment Card, you may also access current Card Offers through BMO Digital Banking. Card Offers are subject to availability; once a Card Offer is no longer available (including because its offer period has expired or because it has been removed from the Blue Rewards Card Offers details page), Points will not be awarded for any purchase made after the Card Offer stopped being available. Individual eligibility for a Card Offer may vary. Certain Card Offers may be subject to “opt-in” enrollment before you can participate in the Card Offer. Enrollment in these Card Offers may be limited, including but not limited to by time and/or on a “while quantities last” basis. Details about a Card Offer’s opt-in enrollment requirement (if any) can be viewed on the Card Offer’s details page.  

To qualify for a Card Offer, the eligible spend or purchase transaction(s) as specified in the Card Offer Terms must be made with your Linked Card and posted to your Linked Card account by the unique Card Offer’s end-date. The posting date for each transaction appears on the account statement for your Linked Card. For example, an online purchase made during the Card Offer period may not qualify if the Linked Card is charged on the shipping date and that date occurs after the Card Offer ends. The minimum qualifying purchase or spend amount includes taxes, shipping and handling, as applicable, unless stated otherwise. Transactions made using installment or deferred payment arrangements (e.g., ‘buy now, pay later’ services) are not eligible for a Card Offer.

Please allow up to sixty (60) days after the unique Card Offer’s end-date for Points to be posted to your Member Account. Your Linked Card account must be in good standing at the time the Points are awarded.  

Neither Mastercard International Incorporated, Visa Canada Corporation, nor Interac Corp. are responsible for the fulfillment of Card Offers. Purchases made by an authorized user of a supplementary card linked to the Linked Credit Card do not qualify, unless the supplementary card is also linked to the Member Number. 

BMO is not responsible for the fulfillment of the Card Offers, unless the Card Offer itself is a BMO offer or if the Card Offer is for a BMO product or service.

Additional Terms 

Blue Rewards reserves the right to change the Card Offer Terms and to modify, extend or withdraw any Card Offer, for any reason and without notice. Additionally, Blue Rewards reserves the right, at its sole discretion and at any time, to suspend, cancel or terminate your eligibility to participate in any Card Offer, your enrollment in any Card Offer, and/or the fulfillment of any Card Offer in which you have participated, with or without notice, including, without limitation, if Blue Rewards determines or otherwise suspects that you have engaged in improper, unlawful or other activity in violation of applicable law or otherwise not in conformance with the Card Offer Terms or these Terms and Conditions. 

Additional Terms specific to BMO Payment Cards

• You must provide BMO with a valid Member Number before you can qualify for Card Offers to earn Points associated with a Card Offer.
• Your linked BMO Credit Card (or BMO bank account linked to your BMO Debit Card) must be in good standing to be eligible to earn Points.
• If your BMO Credit Card or BMO bank account linked to your BMO Debit Card is not in good standing, Points earned each month through the use of your BMO Payment Card may not be transferred to your Member Account.
• If you close your BMO Credit Card or BMO bank account linked to your BMO Debit Card, Points earned in the month in which you close your BMO Credit Card or BMO bank account linked to your BMO Debit Card may not be transferred to your Member Account.
• There is a processing period between the time BMO reports the Points earned from your BMO Payment Card and when those Points become available in your Member Account.
• Only purchases qualifying for Card Offers made with your BMO Payment Card after you have provided BMO with your Member Number are eligible to earn Points.
• We may cancel or reverse any Points not issued properly. We may refuse to issue Points or may withdraw Points already issued, if we have reason to believe you caused or allowed a breach of any terms and conditions with agreements entered into with BMO, the terms and conditions of the Blue Rewards Program, these Terms and Conditions, or the Card Offer Terms applicable to the Card Offer through which the Points were earned.
• The linking of your Member Number to your BMO Payment Card, or changes to such linking, may take up to two (2) business days to complete after you provide us with your Member Number, or after making changes to your Member Number on file.
• You can opt out of receiving Points associated with Card Offers at any time. You can opt out by speaking to a representative at your local BMO branch in Canada.
• Once the CDB Linking Feature becomes available, you can also opt out of the Card Offers by removing the Member Number associated with your BMO Payment Card by signing in to BMO Digital Banking and removing your Member Number from the profile.

Collection and use of personal information 

You agree to the following collection, use, disclosure, sharing and retention of your information, including information related to your Member Account, your Linked Card and transactions processed on your Linked Card: 

1. For the purpose of administering the Card Offers, you authorize BMO and Blue Rewards, and their respective service providers, to link your Eligible Card and/or BMO Payment Card with your Member Account;   
2. You consent to the collection, use and sharing of your personal information (which includes your Linked Card number, Member Number and transaction data) by each participating merchant, BMO, Blue Rewards and/or their service providers, to:   
   1. link your Eligible Card or BMO Payment Card to your Member Account;  
   2. identify qualifying transactions that you have made as part of any Card Offer;  
   3. determine whether the conditions for the applicable Card Offer have been met and to administer a Card Offer;   
   4. enable the issuance of Points you earn to your Member Account. The transaction data monitored will be used for the purpose of enabling your participation in the Card Offer and Blue Rewards Program, enabling the processing of the Card Offers by Blue Rewards, and to assess the results of the Card Offers; and  
   5. communicate with you about your participation in, and to promote and provide information about products and services that may be of interest to you, including Offers, BMO products and services and the Blue Rewards Program.  
3. In order to enable and fulfill Card Offers, you understand and agree that certain credit card transaction data related to a Linked Card will be shared with Blue Rewards by the applicable credit card company, including Mastercard in the case of Non-BMO Mastercards and Mastercard or Visa in the case of BMO Credit Cards.  
4. To learn more about your choices, including how to opt out of marketing, please see our privacy policy at Blue Rewards Privacy Policy, BMO’s Privacy Code – Canada at  bmo.com/privacy and Mastercard’s Privacy Policy - Global Privacy Notice.  

Changes to these Terms and Conditions 

Blue Rewards reserves the right to change or modify these Terms and Conditions from time to time by posting a modified version on the Promotion Website. If you do not agree with the current or a modified version of these Terms and Conditions, you must not participate in any Card Offers. Your participation in any Card Offer following the effective date of such change constitutes your agreement to be bound by these Terms and Conditions as modified.

Prior to September 14, 2026

1.     Payment for Blue Rewards Travel can be made one of three ways: (i) 100% with Blue Points (with a credit card required for cruise bookings or any applicable surcharges, taxes, and fees); (ii) 100% with a credit card (excluding cruises); or (iii) through a combination of credit card and Points (subject to minimum redemption thresholds for cruise bookings). 

When booking with a combination of credit card and Points, there is a minimum threshold of 14,350 Points that must be redeemed for cruise bookings. 

The lead passenger must be logged into their Blue Rewards account (Member Number and PIN or email address and password) at the time of booking. Only one Blue Rewards Number can be used per booking. Points redeemed will be deducted from your Account within three business days after booking. 

All rewards offered are subject to the terms and conditions of the Blue Rewards Program, are subject to change and may be withdrawn without notice. To use Blue Points for travel rewards, you must have accumulated sufficient Points in your Member Account. Some restrictions may apply. Members may have to pay applicable surcharges, fees, and taxes on certain travel such as cruises, including hotel, and car rental rewards. Travel rewards may be subject to a minimum advance booking and availability from participating suppliers. Changes, cancellations and refunds to travel bookings are subject to the rules of the booking provider and/or supplier and may be subject to additional fees. For complete details, see current Program terms and conditions available at https://www.bluerewards.ca/en/terms.html

2.     You will get 16 Blue Points for every $15 CAD per travel booking. Offer is valid when you make a booking on Blue Rewards Travel. The Points earned will be calculated based on your status at the time of booking and the base cost of the booking made in a single transaction. Points are not earned on any taxes and fees. Offer applies to the amount of the booking paid for by credit card. Points will be posted into the booking Member’s account within 5 to 10 days after travel is completed. Blue Rewards reserves the right to change or retract an offer at any time without prior notice, or to retract an offer for deceptive booking behaviour, including but not limited to creating multiple Member numbers. By participating in this offer you agree to the Blue Rewards Travel Bookings Terms and Conditions. If you are a Gold or Onyx status holder, click here for further details, including earn rates.

3.     You can bundle two (2) travel products and earn 3x the Points. This includes; Flights, Stays, and Car Rentals. You will get 48 Blue Points for every $15 CAD spent, per bundled travel booking transaction. Offer is valid if you make a booking on Blue Rewards Travel. The Points earned will be calculated on the booking Member’s status at the time of booking and the base cost of the booking made in a single transaction. Points are not earned on any taxes and fees. Offer applies to the amount of the booking paid for by credit card. Offer applies only to transactions where both travel components are booked together in a single transaction, and the bundle type is selected prior to booking/purchase completion. Adding a second travel component to a previously completed booking will not qualify as a bundled package. Points will be posted into the booking Member’s account within 5 to 10 days after travel is completed. Blue Rewards reserves the right to change or retract an offer at any time without prior notice, or to retract an offer for deceptive booking behaviour, including but not limited to creating multiple Member numbers. By participating in this offer you agree to the Blue Rewards Travel Bookings Terms and Conditions. If you are a Gold or Onyx status holder, click here for further details, including earn rates.

Effective as of September 14, 2026

1.     Payment for Blue Rewards Travel can be made one of three ways: (i) 100% with Blue Points (with a credit card required for cruise bookings or any applicable surcharges, taxes, and fees); (ii) 100% with a credit card (excluding cruises); or (iii) through a combination of credit card and Points (subject to minimum redemption thresholds for cruise bookings). 

When booking with a combination of credit card and Points, there is a minimum threshold of 14,352 Points that must be redeemed for cruise bookings. 

The lead passenger must be logged into their Blue Rewards account (Member Number and PIN or email address and password) at the time of booking. Only one Blue Rewards Number can be used per booking. Points redeemed will be deducted from your Account within three business days after booking. 

All rewards offered are subject to the terms and conditions of the Blue Rewards Program, are subject to change and may be withdrawn without notice. To use Blue Points for travel rewards, you must have accumulated sufficient Points in your Member Account. Some restrictions may apply. Members may have to pay applicable surcharges, fees, and taxes on certain travel such as cruises, including hotel, and car rental rewards. Travel rewards may be subject to a minimum advance booking and availability from participating suppliers. Changes, cancellations and refunds to travel bookings are subject to the rules of the booking provider and/or supplier and may be subject to additional fees. For complete details, see current Program terms and conditions available at https://www.bluerewards.ca/en/terms.html

2.     You will get 16 Blue Points for every $15 CAD per travel booking. Offer is valid when you make a booking on Blue Rewards Travel. The Points earned will be calculated based on your status at the time of booking and the base cost of the booking made in a single transaction. Points are not earned on any taxes and fees. Offer applies to the amount of the booking paid for by credit card. Points will be posted into the booking Member’s account within 5 to 10 days after travel is completed. Blue Rewards reserves the right to change or retract an offer at any time without prior notice, or to retract an offer for deceptive booking behaviour, including but not limited to creating multiple Member numbers. By participating in this offer you agree to the Blue Rewards Travel Bookings Terms and Conditions. If you are a Gold or Onyx status holder, click here for further details, including earn rates.

3.     You can bundle two (2) travel products and earn 3x the Points. This includes; Flights, Stays, and Car Rentals. You will get 48 Blue Points for every $15 CAD spent, per bundled travel booking transaction. Offer is valid if you make a booking on Blue Rewards Travel. The Points earned will be calculated on the booking Member’s status at the time of booking and the base cost of the booking made in a single transaction. Points are not earned on any taxes and fees. Offer applies to the amount of the booking paid for by credit card. Offer applies only to transactions where both travel components are booked together in a single transaction, and the bundle type is selected prior to booking/purchase completion. Adding a second travel component to a previously completed booking will not qualify as a bundled package. Points will be posted into the booking Member’s account within 5 to 10 days after travel is completed. Blue Rewards reserves the right to change or retract an offer at any time without prior notice, or to retract an offer for deceptive booking behaviour, including but not limited to creating multiple Member numbers. By participating in this offer you agree to the Blue Rewards Travel Bookings Terms and Conditions. If you are a Gold or Onyx status holder, click here for further details, including earn rates.