Terms

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.

1. Acceptance

Welcome to the Blue Rewards Program website (the "Website") operated by BMO Blue Rewards, Inc. ("Blue Rewards"). The Website products and services (collectively, the "Services") are offered by Blue Rewards through webpages at the URL  https://www.bluerewards.ca (including each of its sub-URLs) and pages linked thereto which display the Blue Rewards Program navigation bar and which include a footer link to the Blue Rewards Program Website Terms and Conditions. By accessing the Website or using any of the Services, you agree, without limitation or qualification, to be bound by these terms and conditions (the “Website Terms and Conditions”) and such other additional or alternative terms, conditions, rules and policies which are displayed or to which you may be directed in connection with any particular Service (including but not limited to the Blue Rewards General Terms and Conditions), all of which as may be modified by Blue Rewards from time to time (collectively the "Terms and Conditions"). Please note that the Website Terms and Conditions may be updated from time to time without notice to you, so please check back periodically. Please also read the most current version of the General Blue Rewards Program Terms and Conditions under the "Blue Rewards General Terms and Conditions" tab. In the case of any conflict between the Blue Rewards General Terms and Conditions and the Website Terms and Conditions, the Blue Rewards General Terms and Conditions will apply. Because the Terms and Conditions contain legal obligations, please read them carefully.

2. Privacy And Cookies

For information on how user information is collected, used and disclosed by Blue Rewards on this Website, including cookies, refer to the Blue Rewards Digital Privacy Policy. For instance, the Website will set a cookie to remember your language preference so you don't have to choose a language each time you visit the Website and, you must enable the cookies setting on your browser for certain features on the Website to function. You may have the ability to limit this collection of data either through your browser settings or by managing your preferences on our website.

3. Registration, Personal Identification Numbers And Passwords

Certain of the Services and related features, such as access to the Website, personalization, web hosting and webmail, that are made available over the Website may require registration. Should you choose to register for such Services or related features, you agree to provide accurate and current information about yourself as required by the relevant registration process, and to update such information as necessary in a timely way to ensure that it is kept accurate and complete. You agree to be responsible for: (a) maintaining the confidentiality of any personal identification numbers, passwords, and any other applicable identifiers which you choose or are assigned as a result of any registration over the Website, and (b) all activities that occur under such personal identification number or password. Further, you agree to notify Blue Rewards of any unauthorized use of your personal identification number, password or other applicable identifier. Blue Rewards shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your failure to comply with this Section 3.

4. Rules And Conduct

In consideration of the availability, and your use, of the Website and the Services, you agree, while visiting the Website, not to: (a) post, transmit, link to, or otherwise distribute any information constituting or encouraging conduct that would constitute a criminal offense or give rise to civil liability, or otherwise use the Website or any of the Services in a manner which is contrary to law or would serve to restrict or inhibit any other user from using or enjoying the Website, the Services or the Internet; (b) defame, abuse, stalk, harass or threaten any other person or violate the legal rights of any other person, including without limitation, rights relating to privacy and publicity; (c) post, transmit, link to, or otherwise distribute any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful material or information; (d) post, transmit, link to, or otherwise distribute any information or software which contains a virus, cancelbot, trojan horse, worm or other harmful or disruptive component; (e) upload, post, publish, transmit, reproduce, link to or otherwise distribute in any way, information, software, images, videos, written works, or any other material, or any derivative work thereof, which is protected by copyright or any other intellectual property right, without obtaining permission of the copyright owner or rightsholder; (f) copy, reproduce, publish, transmit, exhibit, or otherwise distribute in any way, information, software, images, videos, written works, or any other material, or any derivative work thereof, which is posted or made available by Blue Rewards on the Website or in the course of providing the Services without obtaining permission from Blue Rewards; (g) impersonate or falsely represent your association with any person; and (h) use, reproduce, sell, resell or otherwise exploit the Website or any of the Services for any commercial purposes.

5. Responsibility For Minors

In cases where you have authorized a minor to use the Website or any of the Services, you recognize that you are fully responsible for: (i) the online conduct of such minor; (ii) controlling the minor's access to and use of the Website and any such Services; and (iii) the consequences of any misuse of the Website and any such Services by the minor. You acknowledge that some of the areas of the Website may contain material that is inappropriate for minors.

6. Monitoring

You acknowledge that Blue Rewards has no obligation to monitor the Website or any content, products or services (collectively, "Content") accessible through the Website or any of the Services. However, you agree that Blue Rewards has the right to monitor the Website electronically from time to time and to disclose any information as necessary to satisfy any law, regulation or other governmental request, to operate the Website or any of the Services in the course of Blue Rewards’ business, or to protect itself or its users in accordance with the Blue Rewards Privacy Policy and Digital Privacy Policy. Blue Rewards reserves the right to refuse to post or to remove any Content, in whole or in part, that it determines in its sole discretion to be unacceptable, undesirable or in violation of the Terms and Conditions. You understand that the Website or the Services may contain Content which you may find to be offensive or objectionable. Under no circumstances shall Blue Rewards be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, any use of, or access to, any such Content.

7. Dealings With Third Parties

You acknowledge and agree that your correspondence or business dealings with any third parties, including Blue Rewards Partners, Suppliers (as each of those terms is defined in the Blue Rewards General Terms and Conditions), merchants or advertisers found on, or through, the Website or any of the Services, including payment for and delivery of related goods and services, and all other terms, conditions, representations and warranties related to such dealings, are solely as between you and such third parties. Blue Rewards assumes no responsibility whatsoever for any charges you or any user of your account incurs when making purchases from or other transactions with such third parties. Further, you are responsible for ensuring compliance with all applicable laws in connection with all such dealings and transactions. You agree that Blue Rewards shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, any such dealings or transactions.

8. Downloads And Software

The Website allows you to search for software that has been made available for downloading by various third parties. Such software is made available to you by such third parties subject to the terms and conditions made available to you during the software installation process. You agree that it is your responsibility to review and evaluate any such software and the related terms and conditions, and that all risk associated with the use of, or reliance on, such software rests with you. You further agree that Blue Rewards shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with your use of, or reliance on, any such software, including but not limited to any damage caused by the software to the electronic device on which the software is downloaded or accessed, or the failure of such software to meet your needs, standards, expectations or desired specifications.

9. Disclaimer Regarding Third Party Content

The Website offers access to numerous third-party web pages and content available over the Internet. In such instances, including but not limited to third-party content contained on or accessible through the Website and web pages or sites displayed as search results or contained within a directory of links on the Website, Blue Rewards generally exercises no control over such third-party content, web pages, or sites and makes no representations as to the accuracy or completeness of any information contained therein. You agree that it is your responsibility to review and evaluate any such content, and that any and all risk associated with the use of, or reliance on, such content rests with you. You further agree that Blue Rewards shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with your use of, or reliance on, any such content, including but not limited to as a result of any false or misleading information contained in such content, any aspect of such content that is alleged to infringe any party’s copyright or other intellectual property rights, or any aspect of such content that otherwise violates any laws or regulations.

10. Disclaimer Regarding Search Content

Any and all pictures, sounds, sound effects, sound recordings, musical works, performances, graphics, video, cinematic productions, audio-visual works and any other works (the "Multimedia Content") located through any Website search services are protected by copyright and/or other intellectual property laws. Blue Rewards does not have the right to authorize you to reproduce, distribute, publicly display, publicly perform, communicate or create derivative works from any files containing such Multimedia Content, except where any such Multimedia Content is owned by Blue Rewards. Where search results link to sites outside the Website, the Multimedia Content contained on such sites may be owned and served by entities other than Blue Rewards. If you intend to make use of any Multimedia Content accessed through the Website search services for commercial or noncommercial purposes, we strongly suggest that you contact the server and/or owner of the Multimedia Content for permission to use such Multimedia Content. The Website provides you with the URL or address of the Multimedia Content; this information may be used to determine the server of the Multimedia Content.

11. Professional Information Disclaimer

The Website makes available certain information provided by third parties related to various professional fields such as, without limitation, medicine, law, accounting and financial investments (the "Professional Information"). The Professional Information is provided for educational and entertainment purposes only and should not be interpreted as a recommendation for a specific treatment plan, product or course of action. Use of the Website does not replace consultation with a qualified medical, legal, financial or other relevant professional. In addition, while the Professional Information is frequently updated, this information changes rapidly and therefore, some of the Professional Information may be out of date. You agree that all risk associated with the use of, or reliance on, any of the Professional Information rests with you. You further agree that Blue Rewards shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with your use of, or reliance on, any such Professional Information.

12. User Generated Content

In respect of any and all content which you elect to post on the Website which is accessible by the general public, you grant Blue Rewards a worldwide, royalty-free, nonexclusive, perpetual and unrestricted license to use, copy, adapt, transmit, publicly display, perform, distribute and create compilations and derivative works from such content, and waive any moral rights which may exist in such content, for the limited purposes of publishing such content in the course of promoting the Blue Rewards Program. Such license shall apply with respect to any form, media, or technology now known or later developed. With respect to any and all content you elect to post or transmit using the Services, you agree that Blue Rewards may preserve and disclose any content associated with your Member account where required to do so by law or where such preservation or disclosure is reasonably believed by Blue Rewards to be necessary to ensure compliance with the law, enforce the Terms and Conditions or protect the rights and interests of Blue Rewards or any other person.

13. Service Modifications

You acknowledge and agree that Blue Rewards may at any time and from time to time modify or discontinue the Website or any of the Services with or without notice to you, and that Blue Rewards will not be responsible or liable, directly or indirectly, to you or any other person in any way for any loss or damage of any kind incurred as a result of, or in connection with, any such modifications or discontinuance.

14. Termination

You acknowledge and agree that if Blue Rewards believes that you have violated any of the Terms and Conditions, Blue Rewards, in its sole and absolute discretion, may, without notice to you, suspend or terminate your use of, or access to, the Website or any of the Services, and remove and discard any information or content that you posted to or transmitted using the Website or related to such Service. You further agree that Blue Rewards shall not be liable to you or to any other person as a result of any such suspension or termination. If you are dissatisfied with the Website, any of the Services or with any terms, conditions, rules, policies, guidelines, or practices of Blue Rewards in operating the Website and the Services, your sole and exclusive remedy is to discontinue using the Website and the Services.

15. Disclaimer Of Warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (A) THE WEBSITE AND THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS AND THAT BLUE REWARDS MAKES NO WARRANTIES, REPRESENTATIONS OR CONDITIONS (as used in this section, "WARRANTIES") OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT AND THAT ANY SUCH WARRANTIES ARE HEREBY EXPRESSLY DISCLAIMED, AND (B) BLUE REWARDS SPECIFICALLY MAKES NO WARRANTIES THAT THE WEBSITE OR ANY OF THE SERVICES, INCLUDING ANY CONTENT, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM OR THROUGH THE USE OF THE WEBSITE OR THE SERVICES, WILL BE PROVIDED ON AN UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE BASIS OR THAT SUCH SERVICES OR THE RESULTS DERIVED THEREFROM WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS.

16. Limitation Of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT IN NO EVENT SHALL BLUE REWARDS, INCLUDING ITS AFFILIATES (INCLUDING BANK OF MONTREAL), BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES, AND ANY DAMAGES FOR LOSS OF PROFITS, SAVINGS, GOODWILL OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER BLUE REWARDS HAD BEEN ADVISED OF OR COULD HAVE FORESEEN THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR IN CONNECTION WITH: (A) THE USE, INABILITY TO USE OR PERFORMANCE OF ANY OF THE SERVICES OR THE WEBSITE, OR (B) ANY UNAUTHORIZED ACCESS TO OR MODIFICATION TO ANY OF YOUR CONTENT OR TRANSMISSIONS, OR (C) ANY OTHER MATTER RELATING TO THE WEBSITE OR ANY OF THE SERVICES, REGARDLESS OR WHETHER ANY OF THE FOREGOING IS DETERMINED TO CONSTITUTE A FUNDAMENTAL BREACH OR FAILURE OF ESSENTIAL PURPOSE.

17. Indemnity

You agree to defend, indemnify and hold Blue Rewards, its affiliates (including Bank of Montreal), Partners, Suppliers and other partners, directors, officers, employees and agents harmless from any and all liabilities, claims, costs and expenses, including reasonable attorneys' fees, related to or in connection with your, or any user of your account's: (a) violation of the Terms and Conditions, or (b) use of the Website or any of the Services, or (c) placement, posting or transmission of any message, information, software or other content on the Website or through any of the Services.

18. No License; Intellectual Property Of Blue Rewards And Others

Except as expressly provided, nothing herein or within the Website or any of the Services shall be construed as conferring any license under any of the intellectual property rights of Blue Rewards or any third party, whether by implication, waiver, estoppel, or otherwise. Without limiting the generality of the foregoing, you acknowledge and agree that certain content available through and used to operate the Website and Services is protected by copyright, trademark, patent, or other proprietary rights of Blue Rewards, its affiliates, licensors, and/or service providers. You agree not to adapt, translate, modify, decompile, disassemble, or reverse engineer any software, applications or programs used in connection with the Website or the Services. Further, you agree not to modify, alter, or deface any of the trademarks or other intellectual property made available through the Website nor use any of the forgoing for any purpose other than the purpose for which such intellectual property is made available to users through the Website.

19. Trademarks

Blue Rewards the Blue Rewards logo and related trademarks are trademarks of Bank of Montreal, used under license by BMO Blue Rewards, Inc. All other product, brand and company names and logos used on the Website are the trademarks or registered trademarks of their respective owners and are used under license. Any use of any of the trademarks appearing on the Website without the express written consent of Blue Rewards or the owner of the mark, as appropriate, is strictly prohibited.

20. Copyright Notices

All information and content contained on, or made available over, the Website are: Copyright © 2026 Blue Rewards, 100 King Street West, 9th Floor, Toronto ON M5X 1A1, Canada. All rights reserved. Any copying, republication or redistribution of such content, including by caching, framing or similar means, is expressly prohibited without the prior written consent of the copyright owner.

21. General

The Website originates in Canada. The Terms and Conditions constitute the entire agreement between Blue Rewards and you pertaining to your use of the Website and the Services and supersede any prior agreements between you and Blue Rewards. Failure of Blue Rewards to insist upon or enforce strict performance of any right or provision of the Terms and Conditions shall not constitute or be construed as a waiver of any right or provision. If any of the provisions (or parts thereof) contained in the Terms and Conditions are determined to be void, invalid or otherwise unenforceable by a court of competent jurisdiction, such determination shall not affect the remaining provisions (or parts thereof) contained herein. The Terms and Conditions shall be governed by and construed in accordance with the laws of the province of Ontario and the federal laws of Canada applicable therein. The parties have required that the Terms and Conditions and all documents relating thereto be drawn up in English.

22. Mobile App

Refer to the "Blue Rewards App" tab for full App Terms & Conditions.

IMPORTANT: This is a legal agreement (“Agreement”) between the user of the wireless device to which the Blue Rewards mobile application (the "Application") is downloaded ("you" or "your") and BMO Blue Rewards, Inc. (the "Licensor"). By downloading, installing or otherwise using the Application on your wireless device, you agree to be bound by (1) the terms and conditions of this Agreement; and (2) the Blue Rewards General Terms and Conditions (together, the "Terms"). If you do not agree to be bound by the Terms, then do not download, install, copy and/or use the Application.

License

Subject to the terms and conditions herein, Licensor grants you a personal, revocable, non-exclusive, non-transferable license to install and use one copy of the Application on a single registered portable wireless device.

Unless expressly permitted by this Agreement, the following restrictions shall apply to your use of the Application:

You may not copy or reproduce any portion of the Application or any content that is accessible through the Application.

You may only use the Application for your own non-commercial use.

You may not change, alter, modify or create derivative works, adaptations, translations, enhancements, extensions or add-ons to the Application, any part of it, or any content that is accessible through the Application.

You may not distribute or make the Application available over a network where it could be used by multiple devices at the same time.

You may not rent, lease, sell, redistribute, or sublicense the Application or any part of it to any person.

You may not copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Application or any part thereof, unless permitted to do so by applicable law.

Upgrades and Revisions

Licensor may refuse, restrict, limit, suspend and/or interrupt the availability of, or access to, the Application or any part thereof, without any notice to you, for any reason, including for the purpose of installing a patch, revising, updating, replacing, repairing, improving, and/or upgrading the Application. Where used in this Agreement, the term "Application" includes any patches, revisions, updates, upgrades or replacements of the Application (“Revisions”) that may be delivered to you or that you may receive. If other terms and conditions are provided with the Revisions, they shall govern your use of the Application as modified by the Revisions. You also agree that, upon the installation of any Revisions, you may only use the Application as modified by the Revisions. Your failure to install any Revisions that are released by Licensor in accordance with the update procedure set by the application store from which you downloaded the Application may result in your access to the Application being restricted or suspended.

Data Charges

You acknowledge that data or other charges may be incurred by you through your use of the Application, as determined by your agreement with the mobile carrier of the wireless device from which you access the Application. You agree that you are responsible for any and all such charges that may be charged to you and that Licensor shall have no liability to you whatsoever in respect of such charges.

Liability For Use Of Services

The Application may enable access to Licensor's and third party services and web sites (collectively and individually, "Services"). Use of the Services may require Internet access and that you accept additional terms of service. You agree to use the Services at your sole risk and that the Licensor shall not have any liability to you for content accessed through or from the Services.

To the extent you choose to access such Services, you do so at your own initiative and are responsible for compliance with any applicable laws.

Licensor reserves the right to change, suspend, remove, or disable access to any Services at any time without notice. In no event will Licensor be liable for the removal of or disabling of access to any such Services. Licensor may also impose limits on the use of or access to certain Services, without notice or liability.

Intellectual Property Rights

All title to, and all copyright and other intellectual property rights in, the Application, any content that is accessible through the Application (unless stated otherwise) and/or any related documents are and shall remain owned and/or controlled solely and exclusively by the Licensor. Such rights shall include all rights in any patents, inventions, improvements, designs, logos, service marks and trademarks (including any applications for same), copyrights, and rights in any confidential information or trade secrets in or relating in any way to the Application, the content that is accessible through the Application, and/or any related documents.

The Licensor reserves all rights in the Application, the content that is accessible through the Application, any Revisions and/or any related documents not specifically granted to you under this Agreement.

The Application and/or related documentation and all content contained in the Application or related documentation are protected by Canadian, U.S. and international copyright, trademark and patent laws and international treaty provisions.

You hereby acknowledge that Licensor owns the trademarks, copyrights and other proprietary rights to the BMO Blue Rewards, Inc. and Blue Rewards brands and logos.

Privacy

You acknowledge that, as a result of your installation and use of the Application on your wireless device, the Licensor may collect or retain personal information such as, but not limited to, the serial number and IMEI number of your wireless device.

The Licensor may use and/or disclose all personal information collected as a result of your installation and use of the Application in accordance with its Privacy Policy and Digital Privacy Policy.

Licensor may collect and use technical data and related information, including but not limited to technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of Revisions, product support and other services to you (if any) related to the Application, and may use the technical and personal information collected to improve its products or to provide services or technologies to you, as long as it is in a form that does not personally identify you.

Licensor may provide certain services through the Application that rely upon location information. To provide these services, where available, Licensor may transmit, collect, maintain, process and use your location data, including the real-time geographic location of your mobile phone (the "Location Data"). By using any location-based services through the Application, you agree and consent to Licensor's transmission, collection, maintenance, processing and use of your Location Data to provide location-based products and services. You may withdraw this consent at any time by not using the location-based features or by turning off the Location Services settings on your mobile wireless device. Disabling such features will not impact the non location-based functionality of the Application.

Confidentiality

The design of the Application (including any Revisions) is confidential and proprietary to and contains trade secrets of Licensor. You agree to maintain the Application and all associated documentation in strict confidence and not to disclose or provide access thereto to any third party without Licensor's prior written consent.

Disclaimer Of Warranties

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOU ARE INSTALLING AND USING THE APPLICATION AT YOUR OWN RISK. THE APPLICATION AND ALL DATA AND CONTENT PROVIDED THROUGH THE APPLICATION IS PROVIDED "AS IS", "WITH ALL FAULTS" AND WITHOUT WARRANTY, ASSURANCE OR REPRESENTATION OF ANY KIND. THE LICENSOR AND EACH OF ITS LICENSEES, AFFILIATES AND AUTHORIZED REPRESENTATIVES, INCLUDING BUT NOT LIMITED TO THE BANK OF MONTREAL (THE "PARTIES" OR "PARTY") EXPRESSLY DISCLAIM ALL WARRANTIES, ASSURANCES OR REPRESENTATIONS, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, NON-INFRINGEMENT AND FITNESS FOR A GENERAL OR PARTICULAR PURPOSE. THE LICENSOR CANNOT AND DOES NOT WARRANT THAT THE APPLICATION WILL OPERATE WITHOUT INTERRUPTION, THAT IT WILL BE FREE FROM VIRUSES AND/OR ERRORS, OR THAT THE DATA AND CONTENT OBTAINED THROUGH IT WILL BE ACCURATE, RELIABLE OR CURRENT. NO ORAL, WRITTEN OR ELECTRONIC INFORMATION OR ADVICE GIVEN BY THE LICENSOR OR ANY PARTY SHALL CREATE ANY WARRANTY, TERM OR CONDITION WITH RESPECT TO THE APPLICATION OR OTHERWISE.

Should the Application prove to be defective due to any technical limitations, restrictions, issues or deficiencies with your wireless device or your Internet access, you agree to assume the entire cost of all necessary servicing, repairs or corrections.

Limitation Of Liability

NO PARTY SHALL BE LIABLE FOR ANY LOSS OR DAMAGE, EITHER DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR OTHERWISE, ARISING OUT OF THE BREACH OF ANY EXPRESS OR IMPLIED WARRANTY, TERM OR CONDITION, BREACH OF CONTRACT, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATION, FAILURE OF ANY REMEDY TO ACHIEVE ITS ESSENTIAL PURPOSE OR ANY OTHER LEGAL THEORY ARISING OUT OF, OR RELATED TO, THIS AGREEMENT OR YOUR INSTALLATION OR USE OF THE APPLICATION, EVEN IF ANY PARTY CONCERNED HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SUCH DAMAGES INCLUDE, BUT ARE NOT LIMITED TO: LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, LOSS OF USE OF THE APPLICATION OR ANY ASSOCIATED EQUIPMENT OR DOCUMENTS, DOWN TIME AND USER'S TIME.

The entire liability of the Parties shall be limited to the lesser of (i) the amount paid by you to download, copy or use the Application, or (ii) one Canadian dollar ($1.00 CDN).

Damages Arising Out Of Your Actions

You shall defend and hold the Parties harmless from and against any and all liabilities, damages, costs, expenses or losses arising out of your installation and use of the Application, your negligent or wrongful acts, your violation of any applicable laws or regulations with respect to your use of the Application, and/or your breach of any of the Terms.

Term And Termination

This Agreement shall be effective upon your agreement to be bound by the Terms and shall end upon termination of this Agreement by you or Licensor, in accordance with the provisions set out herein.

You may terminate the Agreement at any time by ceasing to use and deleting the Application from your mobile wireless device.

Licensor may terminate this Agreement at any time, for any or no reason, upon delivery of notice to you on your mobile device or by any other reasonable means.

Neither Licensor nor any other Party shall have any liability to you on the basis of or in relation to a termination of this Agreement.

Upon termination of this Agreement, you will cease all use of the Application and destroy and/or permanently delete all copies of the Application and any related documentation in your possession.

Entire Agreement

This Agreement constitutes the entire agreement between you and the Licensor relating to the Application and supersedes all prior or contemporaneous oral or written communications, proposals and representations with respect to the Application or any other subject matter covered by this Agreement. The headings in this Agreement are for convenience and reference only and do not effect the interpretation of this Agreement.

Severability, Waiver And Survival

To the extent the terms of any of the Licensor's policies or programs conflict with the terms of this Agreement, the terms of this Agreement shall prevail, except to the extent that this Agreement conflicts with the Blue Rewards General Terms and Conditions, which shall prevail over the terms of this Agreement in the event of any such conflict.

If a provision of this Agreement is held to be invalid or unenforceable, such invalidity or unenforceability shall not invalidate or render unenforceable the entire Agreement, but rather the entire Agreement shall be construed as if not containing the particular invalid or unenforceable provision or provisions and the rights and obligations of each Party shall be construed and enforced accordingly.

Waiver by either Party of any default by the other Party shall not be deemed a waiver of any other default.

The terms, conditions and warranties contained in this Agreement that, by their sense and context, are intended to survive the performance hereof by either or both Parties, shall so survive the completion of performance, cancellation or termination of this Agreement. For the avoidance of doubt, provisions of this Agreement that will survive the completion of performance, cancellation or termination of this Agreement include, but are not limited to, the provisions titled “Intellectual Property Rights”, “Confidentiality”, “Disclaimer of Warranties”, “Limitation of Liability”, and “Damages Arising Out of Your Actions.”

Governing Law

This Agreement is governed by and shall be construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein. You and the Licensor irrevocably submit to the jurisdiction of the courts of the Province of Ontario and further agree to commence any litigation which may arise hereunder in the courts of Ontario. You hereby waive any right to a trial by jury.

Changes

Licensor reserves the right, at any time and from time to time, to supplement and/or otherwise modify this Agreement by posting such supplements and/or modifications (collectively "Additional Terms") online at https://www.bluerewards.ca/en/terms.html. Such Additional Terms will be effective immediately and will be deemed to be incorporated by reference into this Agreement. Your continued use of the Application and any Services will be deemed to constitute your acceptance of any and all such Additional Terms.

Assignment

Licensor may assign this Agreement to a third party without notice.

You may not assign this Agreement without the prior written consent of the Licensor, which consent may be withheld for any or no reason at the Licensor's discretion.

Notices

All notices or other communications under this Agreement shall be deemed to have been duly given:

To you, when sent as a notification through the Application

To you, when sent by email or address if provided by identification of your Blue Rewards member number in the Application on your mobile wireless device

To the Licensor when delivered to the Licensor at 100 King Street West, 21st Floor, Toronto ON M5X 1A1, Canada.

Licensor may, at its option, deliver to you any notice under this Agreement by posting the notice concerning this Agreement on the bluerewards.ca website.

Language

It is the express will of the parties that this Agreement and all related documents be drawn up in English. 

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:  

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;   
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:   
- link your Eligible Card or BMO Payment Card to your Member Account;  
- identify qualifying transactions that you have made as part of any Card Offer;  
- determine whether the conditions for the applicable Card Offer have been met and to administer a Card Offer;   
- 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  
- 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.   
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.  
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.

These terms and conditions for travel bookings made prior to March 16, 2026 through www.airmiles.ca (the "Website") constitute a legal agreement entered into by and between you and BMO Blue Rewards, Inc. (formerly known as AIR MILES Loyalty Inc.) ("Company," "we," "us," or "our"). All bookings for travel products (the "Travel Products") made through the Website are subject to: (1) these terms and conditions, and (2) the terms and conditions of the supplier of the Travel Product (a "Travel Provider"), including the terms and conditions of an airline for flight products, a hotel or other property for hotel stays or a car rental company for car rentals.

It was a condition of booking any Travel Product through the Website that you accept these terms and conditions and the Travel Provider terms and conditions (the "Travel Provider Terms"), which would have been made available to you before booking. Continued agreement with these terms and conditions and the Travel Provider Terms remains a condition of retaining your booking through to when the booked Travel Product is completed.

If you violate these terms and conditions or the applicable Travel Provider Terms, your booking may be cancelled and you may be denied access to the relevant Travel Product, which may be done without a refund. You may also be responsible to reimburse us or the Travel Provider for any costs we or they incur as a result of such violation.

All travel services booked prior to March 16th, 2026 are arranged by AIR MILES Travel Services Inc., a licensed travel agent in Ontario, British Columbia and Quebec, which may have imposed its own service fees for arranging travel services. Trip cancellation and interruption insurance was highly recommended at the time of booking, and remains recommended as part of your completion of the booked Travel Product, to ensure the return of redeemed Points (formerly known as Miles) to your Member Account (formerly known as a Collector Account). Availability of travel-related Rewards may be affected by Travel Provider blackout days, seating or space availability or other factors, meaning that seats or space for Members may not be available even though the flight might not be full or the Rewards or Travel Provider’s services may not be fully booked.

We (and AIR MILES Travel Services Inc.) may without notice alter or substitute airlines or scheduled travel times, omit or alter stopping places and routes, and are not responsible for making connections. We (and AIR MILES Travel Services Inc.) do not guarantee start or finish of travel. All reservations are subject to conditions of carriage, supply, and business of Travel Providers which may include exclusions and limitations of liability. Times shown in timetables or elsewhere are approximate and not guaranteed. Schedules are subject to change without notice. We suggest you contact the participating airline in advance to confirm your departure times. We (and AIR MILES Travel Services Inc.) assume no responsibility if you are denied boarding, or your flight is cancelled or delayed. It is your responsibility to ensure you have all necessary travel documents required to enter the countries of your stop-overs and destination and that you are aware of and meet all health requirements of your destination.

The number of Miles that were required for travel Rewards would have varied due to routing and carrier availability, time and date of travel and use of multiple carriers. Travel Providers may limit length of stay and impose requirements to complete travel within a specified time after booking. Changes to travel arrangements made after booking are subject to applicable fees imposed by Travel Providers and us and can include any applicable increase in the number of Points required for the changed travel arrangements. Following the transition of AIR MILES to Blue Rewards, any applicable increase will be payable either by credit card or in Points. If the increase is paid in Points, it will be in an amount proportionate to the number of additional Miles that would have been required prior to the transition (in accordance with the standard Miles to Points transition formula applied by Blue Rewards at the time of the initial transition).

Tickets must be used within one year of original booking and no Miles (or the equivalent number of Points in accordance with the Miles to Points transition formula applied at the time of the initial transition) will be refunded in consequence of a change to travel arrangements once made. You are responsible for and must pay all administration charges, taxes, fees and charges (such as sales, departure and transportation taxes and fees, airport improvement fees and other fees), airline fuel and other surcharges and excess baggage charges, immigration fees, governmental fees and levies, customs charges and passenger facilities charges (including port charges), health or other inspection fees, and other non-ticket costs or charges which may be imposed or collected with respect to Rewards requested by you or through your Member Account (collectively, the “Additional Amounts”).

As of March 16, 2026, payment for Travel on www.airmiles.ca could have been made in one of three ways: (i) 100% with Miles (with a credit card required for cruise bookings or any applicable Additional Amounts payable at the time of booking); (ii) 100% with a credit card (not applicable to cruises); or (iii) through a combination of credit card and Miles (which may have been subject to a minimum redemption threshold depending on the time of booking).

The lead passenger must have been logged into their AIR MILES account at the time of booking to use Miles. Only one Member Number (formerly Collector Number) could have been used per booking. Miles redeemed would have been deducted from your Account within three business days after booking.

Flight Bookings

If you purchased a flight through the Website, AIR MILES Travel Services Inc. is acting as an agent for the Travel Provider and your contract for the flight is between you and the relevant Travel Provider. The price and availability of your flight is only guaranteed once your purchase of the Travel Product is completed, and your tickets are issued. Air travel may be subject to 72-hour advance booking, minimum and maximum stay, and the availability from participating airlines.

Travel Providers control their schedules, and they may change or cancel your flight for a variety of reasons. AIR MILES Travel Services Inc. will provide you with any information about a change or cancellation to your flight itinerary that the Travel Provider provides to us.

Travel Providers also control seating, and AIR MILES Travel Services Inc. does not guarantee the availability of specific seats, even when pre-booked.

If you booked a return flight and do not use the outbound flight, the Travel Provider may cancel the return flight without refund.

You are responsible for confirming your flight departure time before departure. Some Travel Providers will have schedule changes, and your flight times may differ from what is stated on your Itinerary. We recommend that you reconfirm your outbound and return flights at least 24 hours prior to each journey directly with the Travel Provider. AIR MILES Travel Services Inc. is not responsible for schedule changes.

Not all Travel Providers have the same baggage allowance policy. You are responsible for checking the Travel Provider’s baggage policy in advance of your departure to verify the terms, including weight and item limits.

Check-In times and procedures vary by Travel Provider and by airport. Please check with your Travel Provider for details on check-in times and policies by visiting their website or mobile app.

Accommodation Bookings

If you purchased accommodation through the Website, AIR MILES Travel Services Inc. is acting as agent for the Travel Provider and your contract for the hotel room is between you and the relevant Travel Provider.

Hotel bookings may be subject to advance booking restrictions, as well as availability (where availability may be withdrawn without notice).

You agree that your payment method would have been charged by AIR MILES Travel Services Inc. for the total booking amount at the time of booking, which includes the room rate displayed through the Website, plus taxes and service fees or, where applicable, taxes on the room rate and/or services provided by AIR MILES Travel Services Inc. When making your booking request, you authorized AIR MILES Travel Services Inc. to facilitate the booking on your behalf, including making payment arrangements with Travel Providers.

Resort or amenity fees may not be included with your purchase at the time of booking (unless otherwise specified) and will need to be paid directly to the Travel Provider upon check-in. Please see the Travel Provider’s description for any additional fees and inclusions.

Car Rentals

If you purchased a car rental through the Website, AIR MILES Travel Services Inc. is acting as agent for the Travel Provider and your contract for your car rental is between you and the relevant Travel Provider.

When renting a car through the Website, minimum age requirements may vary by Travel Provider. Additional fees or restrictions may apply for drivers under 25.

Extra charges may be payable by you locally to the Travel Provider. These charges may include fuel, snow tires, additional driver charges, young driver surcharges, child seats and delivery and collection fees, etc. AIR MILES Travel Services Inc. is not responsible for paying such extra charges. It is your responsibility to determine in advance what additional charges may apply to your booking.

When you collect your rental car, the driver must present their valid credit card. You must check with the Travel Provider which credit cards they accept. Debit cards are not accepted. The Travel Provider may submit an authorization request to your credit card issuer during the rental period by way of a deposit. Additional drivers must meet the same requirements as the primary driver. Additional Driver fees may apply for all additional drivers.

When you collect your rental car, the driver must present their valid driver's license for the category of vehicle rented. International rentals may have different driving license requirements. Please check what exact documentation is required by the Travel Provider. For example, if the driver's license is not in the Roman alphabet, an international driving license is required. Extra documentation, such as a passport or up to two forms of proof of name and address, may also be required.

Typically, you will not be permitted to take your rental car outside of the rental country, or on ferries, and additional restrictions may apply.

If you do not comply with the above rules or fail to comply with any applicable Travel Provider Terms, the Travel Provider may not make the vehicle available to you and you may, subject to the applicable Travel Provider Terms, be required to pay an amount up to the full price of your car rental.

An insurance excess amount may be applicable in the event of theft of, or damage to, the rental car and payable by you directly to the Travel Provider. This will vary depending on the Travel Provider and rental country. Purchase of optional extra insurance coverage by you locally can remove or reduce the applicable excess. AIR MILES Travel Services Inc. is not responsible for any excess payable or the provision of extra insurance coverage. You are strongly encouraged to purchase sufficient insurance coverage to limit your liability in the event of an accident or other claim.

Fuel is not usually included in the rental price. In some countries, some Travel Providers may charge you for refueling when the vehicle is returned. Unless agreed otherwise, you must return the rental car to the same branch of the Travel Provider from which it was collected. In addition, in Quebec and other jurisdictions, it may be mandatory that rented vehicles be equipped with winter tires during certain months. Additional fees may be payable in connection with winter tires (whether or not mandated by law).

Extras (features, activities, experiences and transfers)

Some Travel Providers offering features, activities, experiences and transfers may require you to sign their liability waiver prior to participating in the Travel Product they offer.

Features, activities, experiences and transfers are not usually transferable nor eligible for refunds or changes unless the Travel Provider cancels such Travel Product.

Each Travel Product may be offered separately or as part of a bundle and is subject to the applicable Travel Provider Terms.

These details are not exhaustive and do not replace the relevant Travel Provider Terms, which will be provided to you before you make a booking.

Cruise Bookings

If you purchased a cruise through our Website, AIR MILES Travel Services Inc. is acting as agent for the Travel Provider and your contract for your cruise is between you and the relevant Travel Provider.

Travel Providers may from time-to-time change itineraries, skip ports of call or even substitute vessels for safety, weather, or other reasons. These events are beyond our (and AIR MILES Travel Services Inc.’s) control and are not eligible for compensation or refunds.

Several cruise line companies have age restrictions on the main traveller listed on a cabin booking (in most cases ranging from 18 years of age to 21 years of age). Please review the specific Travel Provider Terms for your selected cruise line on details regarding this matter.

Prices are based on double occupancy. Prices may vary if a customer is booking a single, triple, quadruple or quintuple occupancy per cabin/stateroom, altering the pricing format set out by the tour operator or cruise line. When a cruise price is confirmed at the time of your booking, the actual price reflecting occupancy changes will then appear.

Cruise packages include the prices of the cabin reservation and other included cruise vacation related activities, meals, etc. as identified by the Travel Provider. Extra payments such as drink purchases, onboard gratuities, excursion costs, and/or other are unrelated to the booking price of a Cruise Vacation Package and are not the responsibility of AIR MILES Travel Services Inc. or the Travel Provider.

All products are subject to availability. All informational content, such as cruise ship information (both in written and image form) and destination information on this Website is provided only as a guideline and may not be an exact representation. We are aware that you need accurate information and as a result, we have made every effort possible to ensure that the content within the Website was up to date at the time of booking. However, due to constant changes and occasional circumstances beyond our control, some of the cruise ship and destination information within the Website may not be entirely accurate at the time of booking. We make every effort to ensure that images on the Website are as close a representation as possible, but cannot be held responsible for changes or inaccuracies.

Cruise lines must adhere to their departure times from each port; please allow sufficient time to get to the port for check-in both on the day the cruise is set to sail along with every port of call. It is recommended to travel the day before your cruise with an overnight in the port of embarkation to ensure adequate time to check-in. When booking your return flight, ensure to select a flight late enough in the day to allow you to disembark and check-in at the airport with adequate time. Any missed flights are not the responsibility of the Company.

Package Bookings

AIR MILES Travel Services Inc. has provided the opportunity for you to book more than one Travel Product together at the same time through the Website (for example, a hotel booking and a flight booking) but each Travel Product is subject to its own Travel Provider Terms and these terms. Such a combined booking is referred to as a “Travel Package”.

If you purchased a Travel Package through our Website, AIR MILES Travel Services Inc. is acting as agent for the applicable Travel Provider(s) and your contract is between you and the relevant Travel Provider(s).

Group Bookings

The maximum number of passengers allowed on one booking is 8.

Booking and Service Fees

Booking Changes & Cancellations (via Customer Care Ambassador)

Flights, Extras, Hotel & Cars

$25 per person

Onyx tier status holders*: No change fees (Travel Provider fees may apply)

Packages

21+ days before departure: $50 per person; 8–20 days: $100 per person; and 0–7 days: $250 per person (Travel Provider fees may also apply)

Onyx tier status holders*: No change/cancel fees (Travel Provider change fees may apply)

Cruises

$50 per booking

* Onyx is a tier status available to AIR MILES collectors that were enrolled in the AIR MILES program before May 31, 2026. This tier status is not available to Blue Rewards Members who only enrolled after the transition from AIR MILES to Blue Rewards. As set out in more detail in the tier status terms and conditions, Onyx tier-related benefits earned in the 2026 calendar year will end by December 31, 2027.

Cancellation

Cancellations, changes and refunds will be subject to the Travel Provider Terms for the applicable Travel Product. If you have booked a non-refundable product, changes are not permitted, and no refund will be given, regardless of the circumstances. Please review cancellation policies for each Travel Product as it will vary by product.

Booking fees where applicable are non-refundable. An additional change or cancellation fee will apply should a Booking change be required (where permitted by the applicable Travel Provider).

Refunds, where permitted, will be refunded to the original form of payment by way of a credit card refund and/or returned Miles (in the equivalent value of Points based on the Miles to Points formula applied by Blue Rewards at the time of the initial transition) depending on original form of payment.

Where permitted, changes to reservations may require full cancellation and rebooking at the then-current rate at the time of such rebooking, which rebooking may require further payment and/or the redemption of Points in the event of a change in fees, Provider, location, date(s) or any other aspect of the Travel Product. You will also be responsible for any Additional Amounts in connection with such rebooking that may be applicable. Any changes to your booking are subject to availability. If you are required to rebook through travel.bluerewards.ca, your new reservation will be subject to different terms and conditions – see https://www.bluerewards.ca/en/terms.html#travelbookings for more details.

Changes or cancellation of Travel Packages may be limited by the most restrictive change or cancellation policy (up to and including no option to change/cancel or refund a booking) and/or may incur multiple Travel Provider change fees.

For support with booking changes or cancellations for bookings made prior to March 16th, 2026, please call us at 1-888-247-6453 or in Toronto: 416-226-5171.

Issue Resolution

If you have a complaint while on a trip booked prior to March 16th, 2026, you must contact the Travel Provider or Blue Rewards immediately to provide a reasonable opportunity to rectify the issue promptly during your trip. If the matter cannot be resolved on the spot, you must notify us in writing to collectorrelationsgroup@bluerewards.ca within 14 days of the completion of your trip. We cannot consider post vacation submissions if you did not provide your Travel Provider and/or us with a reasonable opportunity to assist you during your trip. We reserve the right to give any compensation due in the form of Blue Points or future travel discounts.

Traveling Minors

Flight

An unaccompanied minor is a child (8 to 11 years) travelling alone. Reservations for unaccompanied minors have not been available through the Website.

Infants can be added during the booking and there are applicable Additional Amounts for transborder and international flights. An infant must be accompanied by a parent or by a person at least 16 years or older.

An infant is a child who has not reached their second birthday as of the date of commencement of travel. Age requirements do vary, so please confirm with your Travel Provider before booking.

The following can only be added directly by the airline and applicable fees may apply: adding an infant to an existing booking, an infant turning 2 while at destination, and an infant requiring a seat.

Accommodation

Some hotels may have a minimum age requirement to be able to occupy a room which may be higher than 18 years. Please check with your hotel Travel Provider Terms for minimum age requirements.

Car Rentals

When renting a car through the Website, minimum age requirements may vary by Travel Provider. Additional fees or restrictions may apply for drivers under 25.

Accessibility Services

To ensure that airlines make the best possible preparations for you, we have encouraged you to have selected the type of assistance you’ll require at the time you book your flight.

The following special needs requests may be added during the booking process:

Wheelchair needed to get to the departure gate (but can walk to seat)

Wheelchair needed to get to departure gate and to airline seat

Passenger is visually impaired

Passenger is hearing impaired

If the special request was not provided or wasn't added during the booking, please contact the airline directly.

Pets and other special assistance requests

Before having made your reservation, you must have first contacted the airline to check if your request can be accommodated on the desired flight. Once your flight is booked, contact the airline to provide the details of your special request if the accommodation was approved by the airline.

Travel Documents

Flight

Canadian Passengers can review travel documents, passport, health, vaccination, and visa requirements by checking the following sites: www.travel.gc.ca.

Non-Canadian Passengers can review travel documents, passport, vaccination, and visa requirements with their local authorities.

Travelers are responsible for researching any advisories, travel restrictions, and documentation requirements that may affect their trip.

Accommodation

When you check into your hotel, your reservation or confirmation number and a valid credit card will be required to be provided directly to the Travel Provider. The Travel Provider may also require government issued photo ID for one or all the registered guests in your room.

Car Rentals

Travel Entry/Re-Entry Requirements

We recommend that you inquire with the Consular Affairs Bureau for Canadians Abroad or review online the Essential Information for Canadian Travellers Guide at travel.gc.ca to satisfy personal requirements.

For some countries, international health certificates and vaccinations are required. In some cases, failure to present required vaccination documentation (e.g., Yellow Fever vaccination) may result in you being denied entry into a country.

We recommend you consult with your local doctor, travel medical service or specialist vaccination clinic before commencing your travel.

Under applicable law, entry to another country may be refused even if the required information and travel documents are complete. It is your responsibility to ensure you have obtained a valid visa and have satisfied all other requirements for entry prior to departure for your trip.

Living standards and practices at the destination and the standards and conditions there with respect to the provision of utilities, services and accommodation may differ from those found in Canada.

Travel Protection Plans & Insurance

Unless otherwise stated, prices displayed on the Website do not include travel insurance. You are strongly encouraged to take out insurance that covers the consequences of certain cases of cancellation and certain risks (including illness or accident). While some credit cards offer travel insurance to cardholders, such coverage may be limited or inadequate. You are responsible for ensuring that any insurance policy taken out adequately covers your requirements.

For an additional charge, AIR MILES Travel Services Inc. offered travel insurance for purchase through the Website and continues to offer travel insurance for purchase through the Travel Insurance page. The travel insurance plans are provided by Manulife, and accordingly when you purchase travel insurance through the Website, your contract for insurance is between you and Manulife.

You can add insurance coverage after booking by visiting our Travel Insurance page. If you reside in the following provinces, you can add Travel Insurance by calling 1-844-807-0759.

Nova Scotia

New Brunswick

Prince Edward Island

Quebec

Saskatchewan

Yukon

Nunavut

Northwest Territories

Policy Number and coverage details will be sent in a separate email after completing your booking.

If you need information on coverage or products, visit our Travel Insurance page.

For information on:

a possible new claim

checking the status on outstanding claim(s)

help with completing a claim form

Please contact Manulife as follows:

Phone : 1-866-298-6581

Fax : 1-866-434-2041

Email : bluerewardstravelinsurance@manulife.com

Hours of Operation:

Monday to Friday

8:00a.m to 8:00 p.m (ET)

Saturday

9:00a.m –6:00 p.m. (ET)

Worldwide assistance provider:

In the event of an emergency while on your trip call:

Toll-free from Canada & USA: 1-888-491-2285

Elsewhere (call collect): 1-519-251-7427

Additional Terms & Conditions

Registered by TICO:

The prices advertised on the Website were valid if you bought services during the same session. If you disconnected from the site or the session expired, prices may have been different at your next session.

Prices do not include customer contributions to the Quebec Agent’s Client Compensation Fund of $1 for every $1,000 of tourism services purchased.

B.C. Reg. # 86840. Ont. Reg. # 50027421. Que. Reg. # 703660. – 100 King Street West, 21st Floor, Toronto ON M5X 1A1.

Force Majeure

We (and AIR MILES Travel Services Inc.) shall have no liability for delays or failure in performance caused by (a) acts of God; (b) flood, fire, earthquake, tsunami, epidemics, pandemics or explosion; (c) war, invasion, hostilities (whether war is declared or not), terrorist threats or acts, riot, or other civil unrest; (d) government order or law; (e) actions, embargoes, or blockades; (f) action by any governmental authority; (g) national or regional emergency; (h) strikes, labour stoppages or slowdowns, or other industrial disturbances; (i) telecommunication breakdowns, power outages or shortages, lack of warehouse or storage space, inadequate transportation services, or inability or delay in obtaining supplies of adequate or suitable materials; or (j) other events beyond our (and AIR MILES Travel Services Inc.’s) control.

These loyalty program terms and conditions (“Loyalty Terms”) apply to travel bookings made on or after March 16^th, 2026 through travel.bluerewards.ca (the "Website") and vacations.bluerewards.ca for cruise bookings (“Cruise Website”). These Loyalty Terms constitute a legal agreement and are entered into by and between you and BMO Blue Rewards, Inc. ("Company," "we," "us," or "our").

All bookings for travel products made through the Website (“Expedia Travel Products”) are subject to: (1) these Loyalty Terms ; (2) Expedia’s Terms of Service (“Expedia Terms”); and (3) the terms and conditions of the supplier of the Expedia Travel Product (an "Expedia Travel Provider"), including the terms and conditions of an airline for flight products, a hotel or other property for hotel stays or a car rental company for car rentals (“Expedia Travel Provider Terms”). It’s a condition of booking any Expedia Travel Product through the Website that you accept these Loyalty Terms, Expedia Terms, and the Expedia Travel Provider Terms which will be made available to you before you make a booking. Continued agreement with these terms and conditions and the Travel Provider Terms remains a condition of retaining your booking through to when the booked Travel Product is completed.

All bookings for cruise products (the “Cruise Products”) made through the Cruise Website are subject to: 1) these Loyalty Terms; (2) Redtag.ca’s Terms and Conditions (“Redtag Terms”); and (3) the terms and conditions of the supplier of the cruise product (a "Cruise Provider"). It is a condition of booking any Cruise Product through the Cruise Website, that you accept these Loyalty Terms, Redtag Terms and the Cruise Provider terms and conditions (the "Cruise Provider Terms") which will be made available to you before you make a booking.

These Loyalty Terms, Expedia Terms or Redtag Terms (as applicable), and the Expedia Travel Provider Terms or Cruise Provider Terms (as applicable), are collectively referred to as, the “Travel Terms”.

Expedia Travel Products and Cruise Products (as applicable), are collectively referred to as “Travel Products”.

The Expedia Travel Provider and Cruise Provider (as applicable) are collectively referred to as “Travel Provider”.

If you violate any of the Travel Terms, your booking may be cancelled and you may be denied access to the relevant Travel Product, which may be done without a refund. You may also be responsible to reimburse us or the Travel Provider for any costs we or they incur as a result of such violation.

Availability of travel-related Rewards may be affected by Travel Provider blackout days, seating or space availability or other factors, meaning that seats or space for Members may not be available even though the flight might not be full or the Travel Provider services may not be fully booked.

We, our suppliers or Travel Providers, may without notice alter or substitute airlines or scheduled travel times, omit or alter stopping places and routes, and are not responsible for making connections. We do not guarantee start or finish of travel. All reservations are subject to conditions of carriage, supply, and business of Travel Providers which may include exclusions and limitations of liability. Times shown in timetables or elsewhere are approximate and not guaranteed. Schedules are subject to change without notice. We suggest you contact the participating airline in advance to confirm your departure times. We assume no responsibility if you are denied boarding, or your flight is cancelled or delayed. It is your responsibility to ensure you have all necessary travel documents required to enter the countries of your stop-overs and destination and that you are aware of and meet all health requirements of your destination.

No Blue Points will be refunded in consequence of a change to travel arrangements once made. The number of Points required for travel Rewards may vary due to routing and carrier availability, time and date of travel and use of multiple carriers. Travel Providers may limit length of stay and impose requirements to complete travel within a specified time after booking. Changes to travel arrangements made after booking are subject to applicable fees imposed by Travel Suppliers and us and any applicable increase in the number of Points required for the changed travel arrangements.

You may be responsible to pay administration charges, taxes, fees and charges (such as sales, departure and transportation taxes and fees, airport improvement fees and other fees), airline fuel and other surcharges and excess baggage charges, immigration fees, governmental fees and levies, customs charges and passenger facilities charges (including port charges), health or other inspection fees, and other non-ticket costs or charges which may be imposed or collected with respect to Rewards requested by you or through your Member Account (collectively, the “Additional Amounts”).

Payment for Blue Rewards Travel on the Website or Cruise Website can be made one of three ways: (i) 100% with Blue Points (with a credit card required for cruise bookings or any applicable Additional Amounts payable at the time of booking); (ii) 100% with a credit card (not applicable to cruises); or (iii) through a combination of credit card and Blue Points (subject to minimum redemption thresholds for cruise bookings).

When booking with a combination of credit card and Points, 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 Member Number can be used per booking. Blue Points redeemed will be deducted from your account within three business days after booking.

Cancellation

Cancellations, changes and refunds will be subject to the Travel Terms for the applicable Travel Product. Please review cancellations policies for each Travel Product prior to booking as it will vary by product.

Refunds, where permitted, will be refunded to the original form of payment by way of a credit card refund and/or returned Blue Points depending on original form of payment.

Points Issue Resolution

If you have any issues regarding the use of your Points or refunds of Points, you must notify us in writing to collectorrelationsgroup@bluerewards.ca within 14 days of the completion or cancellation of your trip. We cannot consider post vacation submissions if you did not provide your Travel Supplier and/or us with a reasonable opportunity to assist you during your trip. We reserve the right to give any compensation due in the form of Blue Points or future travel discounts.

Travel Entry/Re-Entry Requirements

We recommend you consult with your local doctor, travel medical service or specialist vaccination clinic before commencing your travel.

Living standards and practices at the destination and the standards and conditions there with respect to the provision of utilities, services and accommodation may differ from those found in Canada

Travel Protection Plans & Insurance

Unless otherwise stated, prices displayed on the Website and Cruise Website do not include travel insurance. You are strongly encouraged to take out insurance that covers the consequences of certain cases of cancellation and certain risks (including illness or accident). While some credit cards offer travel insurance to cardholders, such coverage may be limited or inadequate. Some credit card travel insurance may also require a minimum spend as a condition of coverage. You are responsible for ensuring that any insurance policy taken out adequately covers your requirements.

Travel insurance plans are available from Manulife. If you book travel insurance through Manulife, your contract for insurance is between you and Manulife.

You can add insurance coverage after booking by visiting our Travel Insurance page. If you reside in the following provinces, you can add Manulife Travel Insurance by calling 1-844-807-0759.

Nova Scotia
New Brunswick
Prince Edward Island
Quebec
Saskatchewan
Yukon
Nunavut
Northwest Territories

Policy Number and coverage details will be sent from Manulife.

If you need information on coverage or products, visit our Travel Insurance page.

For information on:

a possible new claim
checking the status on outstanding claim(s)
help with completing a claim form

Please contact Manulife as follows:

Phone: 1-866-298-6581

Fax: 1-866-434-2041

Email: bluerewardstravelinsurance@manulife.com

Hours of Operation:

Monday to Friday

8:00a.m to 8:00 p.m (ET)

Saturday

9:00a.m –6:00 p.m. (ET)

Worldwide assistance provider:

In the event of an emergency while on your trip call:

Toll-free from Canada & USA: 1-888-491-2285

Elsewhere (call collect): 1-519-251-7427

Force Majeure

We shall have no liability for delays or failure in performance caused by (a) acts of God; (b) flood, fire, earthquake, tsunami, epidemics, pandemics or explosion; (c) war, invasion, hostilities (whether war is declared or not), terrorist threats or acts, riot, or other civil unrest; (d) government order or law; (e) actions, embargoes, or blockades; (f) action by any governmental authority; (g) national or regional emergency; (h) strikes, labour stoppages or slowdowns, or other industrial disturbances; (i) telecommunication breakdowns, power outages or shortages, lack of warehouse or storage space, inadequate transportation services, or inability or delay in obtaining supplies of adequate or suitable materials; or (j) other events beyond our control.

Terms & Conditions

To learn more about our privacy practices, please see the "Privacy Policy" and "Privacy Cookies" sections below.

*Earnmore.bluerewards.ca Base Offer: Get 16 Blue Points for every $20 CDN that you spend per transaction per online store, excluding shipping, handling, duties and taxes. Base offer may vary, click “Store Info” on the online store logo on earnmore.bluerewards.ca for offer details. All online stores are subject to change and may be withdrawn without notice at any time. Member must sign in at Earnmore.bluerewards.ca before purchasing in order to get Points. Points will be posted to your Member Account within 60 days.

** Earnmore.bluerewards.ca Multiplier Offers: LIMITED TIME OFFERS. Blue Points multiplier offers apply to the total base Points earned on qualifying purchase amount excluding shipping, handling, duties and taxes. Online store limited offers are subject to change without notice. See specific online store on earnmore.bluerewards.ca for offer details and any restrictions. Bonus Points (i.e., the Points earned on an eligible purchase in addition to the total base Points as a result of the multiplier) will be posted to your Member Account within 75 days. Prices are not always in Canadian Dollars. Please refer to each individual online store’s page on earnmore.bluerewards.ca to determine what currency is being displayed. Product information including price, availability, sales tax, and estimated shipping costs are provided by the affiliated online stores. While BMO Blue Rewards, Inc. (“Blue Rewards”) makes every effort to assure the accuracy of product information, it assumes no responsibility for the accuracy or timeliness of information provided by the affiliated online stores. Please check the individual online store websites to confirm the accuracy of the information provided.

Blue Rewards and the Blue Rewards logo are trademarks of Bank of Montreal, used under license by BMO Blue Rewards, Inc.

Earnmore.bluerewards.ca Generic Terms and Conditions

Acceptance. Welcome to earnmore.bluerewards.ca (the "Website") operated by Blue Rewards. The services provided on the Website (collectively, the "Services") are offered by Blue Rewards. By accessing the Website or using any of the Services, you agree to be bound by these terms and conditions, as they may be amended from time to time (the “Terms and Conditions”), and any additional or alternative terms, conditions, rules and policies in connection with any particular Service. Please note that these terms and conditions may be updated from time to time. Such updates will be communicated by Blue Rewards posting the updated Terms and Conditions online at bluerewards.ca and will be effective immediately. These Terms and Conditions contain legal obligations; please read them carefully. The terms and conditions of any merchant site that you may visit will govern your use of that merchant's site, and Blue Rewards assumes no responsibility with respect to your use of any merchant's site. To collect Blue Rewards points (“Blue Points”) you must be a Canadian resident.

The earnmore.bluerewards.ca Website Privacy Policy. Earnmore.bluerewards.ca collects information on your activity through user navigation and the use of tools and functions available on earnmore.bluerewards.ca. This information is used to understand and analyze your responses, needs and preferences, and to develop, enhance, market and/or provide products and services to better meet your needs. If you install and use the Shop Blue Assistant browser extension, additional information about your visits to eligible third‑party merchant websites will be collected to identify earning opportunities and to administer the Blue Rewards Program. In addition, information collected may also be used for the purposes outlined in Blue Rewards Privacy Policy and in the Digital Privacy Policy.

The Earnmore.bluerewards.ca Privacy and Cookies. The Website uses cookies as further described in the Digital Privacy Policy. You must enable cookies to fully access earnmore.bluerewards.ca features and enable proper crediting of Miles on your qualifying online purchases. Refer to your browser settings to ensure cookies are enabled. You may have the ability to limit this collection of data either through your browser settings or by managing your preferences on our website. Please note that some merchant websites, and websites operated by third party affiliate program managers, may place cookies on your browser. Blue Rewards has no control over these merchant and third party affiliate program websites, or the cookies that may be placed by them on your browser. You are encouraged to review the privacy policies of these websites to learn about their use of cookies.

The Blue Rewards Program. The Blue Rewards general terms and conditions govern all Blue Points that you may get by shopping at merchants linked to this Website. In the case of any conflict between the Blue Rewards general terms and conditions and the Website Terms and Conditions, the Blue Rewards general terms and conditions will apply. Complete information concerning the Blue Rewards Program is available at www.bluerewards.ca.

Verification of Blue Points-Earning Transactions. Blue Rewards reserves the right to verify any transaction that take place between you and a merchant linked to this Website before or after awarding any Blue Points to you in connection with such transaction. Blue Points may not be recorded in your Member Account or, if already recorded, may be cancelled if the merchant from whom you have ordered goods or services tells us that the transaction between you and the merchant was cancelled (for example, because you returned or did not pay for products or services for which the Blue Points were issued).

Registration, Personal Identification Numbers and Passwords. Certain Services and related features, such as access to the Website, personalization, web hosting, and webmail available over the Website may require registration. You agree to provide accurate and current information as required by the relevant registration process, and to update the information as necessary in a timely way to ensure that it is kept accurate and complete. You agree to be responsible for: maintaining the confidentiality of any personal identification numbers, passwords and any other applicable identifiers which you choose or are assigned as a result of any registration over the Website; all activities that occur under such personal identification number, password or other applicable identifier; and, notifying Blue Rewards of any unauthorized use of your personal identification number, password or other applicable identifier.

Blue Rewards shall not be responsible or liable in any way for any loss or damage arising from your failure to comply with the above paragraph titled, “Registration, Personal Identification Number and Passwords”.

Rules and Conduct. You agree not to use the Website or Services to: post, transmit, link to, or otherwise distribute any information constituting or encouraging conduct that would constitute a criminal offense or give rise to civil liability, or otherwise use the Website or any of the Services in a manner which is contrary to law or would serve to restrict or inhibit any other user from using or enjoying the Website, the Services or the Internet; defame, abuse, stalk, harass or threaten any other person or violate the legal rights of any other person, including rights relating to privacy and publicity; post, transmit, link to, or otherwise distribute any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful material or information; post, transmit, link to, or otherwise distribute any information or software which contains a virus, cancelbot, trojan horse, worm or other harmful or disruptive component; upload, post, publish, transmit, reproduce, link to or otherwise distribute in any way, information, software, images, videos, written works, or any other material obtained through the Website or the Services, or any derivative work thereof, which is protected by copyright, or any other intellectual property right, without obtaining permission of the copyright owner or rightholder; copy, reproduce, publish, transmit, exhibit, or otherwise distribute in any way, information, software, images, videos, written works, or any other material, or any derivative work thereof, which is posted or made available by Blue Rewards on the Website or in the course of providing the Services without obtaining permission from Blue Rewards; impersonate or falsely represent your association with any person; and use, reproduce, sell, resell or otherwise exploit the Website or any of the Services for any commercial purposes.

Responsibility for Minors. In cases where you have authorized a minor to use the Website or any of the Services (an “Authorized Minor”), you are fully responsible for: the online conduct of the Authorized Minor; controlling the Authorized Minor's access to and use of the Website and any such Services; the consequences of any misuse of the Website and any such Services by the Authorized Minor; and any purchases made by the Authorized Minor. You accept responsibility to determine whether any of the Services and/or Content (as defined below) are appropriate for an Authorized Minor and what access the Authorized Minor will be allowed.

Monitoring. You agree that Blue Rewards has the right to monitor the Website or any content, products or Services (collectively, "Content"), from time to time and to disclose any information as necessary to satisfy any law, regulation or other governmental request, to operate the Website or any of the Services in the course of Blue Rewards’ business, or to protect itself or its users in accordance with the Blue Rewards Privacy Policy. Blue Rewards reserves the right to refuse to post or to remove any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, or in violation of the Terms and Conditions. By using the Website or the Services, you may have access to Content that you find to be offensive or objectionable. Under no circumstances shall Blue Rewards be responsible or liable, directly or indirectly, for loss or damage of any kind as a result of any use of, or access to, any such Content.

Dealings with Merchants and Other Third Parties. Your correspondence or business dealings with any third parties, including any merchants or advertisers found on, or through, the Website or any of the Services, are solely between you and such third parties. Further, all transactions between you and any merchant that you access through the Website take place on the merchant's website and are subject to the merchant's terms and conditions applicable to online purchases and its privacy and security policies. Please note that prices on many merchants' websites are in U.S. dollars and many merchants require payment in U.S. dollars. Carefully review each merchant's terms and conditions related to transactions, including any information provided on a merchant’s store page on the Website, before completing any transaction. Blue Rewards is not responsible for any charges you or any user of your account incurs as a result of dealings with any merchants or other third parties found on, or through, the Website or any of the Services. Further, you accept responsibility for ensuring compliance with all applicable laws in connection with any such transactions. You agree that Blue Rewards shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, any of such dealings, or transactions, including, without limitation, any returns, refunds, or any product liability claims. Although reasonable efforts are used to ensure that the Website is current, no assurance is given that the information about items of merchandise displayed on the Website is completely accurate or up to date in terms of price, availability or description.

Downloads and Software. The Website allows you to search for software that may be available for downloading by various third parties. Such software is available to you by such third parties subject to the terms and conditions made available to you during the software installation process. You agree that it is your responsibility to review and evaluate any such software and the related terms and conditions, and that all risk associated with the use of, or reliance on, such software rests with you. You further agree that Blue Rewards shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with your use of, or reliance on, any such software, including but not limited to any damage caused by the software to the electronic device on which the software is downloaded or accessed, or the failure of such software to meet your needs, standards, expectations or desired specifications.

Third Party Content. The Website search option offers access to numerous third-party web pages and content available over the Internet. Blue Rewards generally exercises no control over such third-party content, web pages, or sites and makes no representations as to the accuracy or completeness of any information contained therein. It is your responsibility to review and evaluate any such content, and any and all risk associated with the use of, or reliance on, such content rests with you. You agree that Blue Rewards shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your use of, or reliance on, any such content, including but not limited to as a result of any false or misleading information contained in such content, any aspect of such content that is alleged to infringe any party’s copyright or other intellectual property rights, or any aspect of such content that otherwise violates any laws or regulations.

Search Content. Any and all pictures, sounds, sound effects, sound recordings, musical works, performances, graphics, video, cinematic productions, audio-visual works and any other works (the "Multimedia Content") located through any Website search services are protected by copyright and/or other intellectual property laws. Where such Multimedia Content is owned by Blue Rewards, Blue Rewards does not authorize you to reproduce, distribute, publicly display, publicly perform, communicate or create derivative works from any files containing such Multimedia Content. Where search results link to sites outside the Website, the Multimedia Content contained on such sites may be owned and served by entities other than Blue Rewards.

Service Modifications. You acknowledge and agree that Blue Rewards may at any time modify or discontinue the Website or any of the Services with or without notice to you, and that Blue Rewards will not be held responsible or liable, directly or indirectly, to you or any other person in any way for any loss or damage of any kind incurred as a result of, or in connection with, any such modifications or discontinuance.

Termination. You acknowledge and agree that Blue Rewards, in its sole and absolute discretion, may, without notice to you, suspend or terminate your use of, or access to, the Website or any of the Services, and remove and discard any information or content that you posted to or transmitted using the Website or related to such Service. You further agree that Blue Rewards shall not be liable to you or to any other person as a result of any such suspension or termination. If you are dissatisfied with the Website, any of the Services or with any terms, conditions, rules, policies, guidelines, or practices of Blue Rewards in operating the Website and the Services, your sole and exclusive remedy is to discontinue using the Website and the Services.

Disclaimer of Warranties. YOU EXPRESSLY UNDERSTAND AND AGREE THAT: THE WEBSITE AND THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS AND THAT BLUE REWARDS MAKES NO WARRANTIES, REPRESENTATIONS OR CONDITIONS (AS USED IN THIS SECTION "WARRANTIES") OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT AND THAT ANY SUCH WARRANTIES ARE HEREBY EXPRESSLY DISCLAIMED; AND BLUE REWARDS SPECIFICALLY MAKES NO WARRANTIES THAT THE WEBSITE OR ANY OF THE SERVICES, INCLUDING ANY CONTENT, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM OR THROUGH THE USE OF THE WEBSITE OR THE SERVICES, WILL BE PROVIDED ON AN UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE BASIS OR THAT SUCH SERVICES OR THE RESULTS DERIVED THEREFROM WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS.

Limitation of Liability. YOU EXPRESSLY UNDERSTAND AND AGREE THAT IN NO EVENT SHALL BLUE REWARDS, INCLUDING ITS AFFILIATES (INCLUDING BANK OF MONTREAL), BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES, AND ANY DAMAGES FOR LOSS OF PROFITS, SAVINGS, GOODWILL OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER BLUE REWARDS HAD BEEN ADVISED OF OR COULD HAVE FORESEEN THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR IN CONNECTION WITH: (A) THE USE, INABILITY TO USE OR PERFORMANCE OF ANY OF THE SERVICES, THE WEBSITE, OR ANY PRODUCTS PURCHASED FROM A MERCHANT LINKED TO THE WEBSITE, OR (B) ANY UNAUTHORIZED ACCESS TO OR MODIFICATION TO ANY OF YOUR CONTENT OR TRANSMISSIONS, OR (C) ANY OTHER MATTER RELATING TO THE WEBSITE OR ANY OF THE SERVICES, REGARDLESS OR WHETHER ANY OF THE FOREGOING IS DETERMINED TO CONSTITUTE A FUNDAMENTAL BREACH OR FAILURE OF ESSENTIAL PURPOSE.

Indemnity. You agree to defend, indemnify and hold Blue Rewards, its affiliates (including Bank of Montreal), sponsors, suppliers and other partners, directors, officers, employees and agents harmless from any and all liabilities, claims, costs and expenses, including reasonable attorneys' fees, related to or in connection with your, or any user of your account's: violation of the Terms and Conditions; use of the Website or any of the Services; placement, posting or transmission of any message, information, software or other content on the Website or through any of the Services.

No License; Intellectual Property of Blue Rewards and Others. Except as expressly provided, nothing herein or within the Website or any of the Services shall be construed as conferring any license under any of the intellectual property rights of Blue Rewards or any third party, whether by implication, waiver, estoppel, or otherwise. Without limiting the generality of the foregoing, you acknowledge and agree that certain content available through and used to operate the Website and Services is protected by copyright, trademark, patent, or other proprietary rights of Blue Rewards, its affiliates, licensors, and/or service providers. You agree not to adapt, translate, modify, decompile, disassemble, or reverse engineer any software, applications or programs used in connection with the Website or the Services.

Trademarks. The Blue Rewards word mark, the Blue Rewards logo, and related Blue Rewards Program trademarks and logos are trademarks of Bank of Montreal, used under license by BMO Blue Rewards, Inc. All other product, brand, company names, trademarks, logos or other intellectual property used or displayed on the Website are the intellectual property of their respective owners and are used under license. Your use of any of the intellectual property appearing on the Website is expressly prohibited without the prior written consent of Blue Rewards or the owner of the intellectual property, as appropriate.

Ownership of Content. The Website and all of its contents including, but not limited to, all text and images are owned and copyrighted by Blue Rewards or others with all rights reserved unless otherwise noted. Your use, copying, republication or redistribution of such content, including by caching, framing or similar means is expressly prohibited without the prior written consent of the content owner. Further, you agree not to modify, alter, or deface any of the content available through the Website nor use any of the forgoing for any purpose other than the purpose for which such content is made available to users through the Website.

General. The Website originates in Canada. The Terms and Conditions of the earnmore.bluerewards.ca website constitute the entire agreement between Blue Rewards and you pertaining to your use of the Website and the Services (the "Agreement") and supersede any prior agreements between you and Blue Rewards. Failure of Blue Rewards to insist upon or enforce strict performance of any right or provision of the Agreement shall not constitute or be construed as a waiver of any right or provision. If any of the provisions (or parts thereof) contained in the Agreement are determined to be void, invalid or otherwise unenforceable by a court of competent jurisdiction, such determination shall not affect the remaining provisions (or parts thereof) contained herein. The Agreement shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. The parties have required that the Agreement and all documents relating thereto be drawn up in English. Les parties ont demandé que cette convention ainsi que tous les documents que s'y rattachent soient rédigés en anglais.

Blue Rewards and the Blue Rewards logo are trademarks of Bank of Montreal, used under license by BMO Blue Rewards, Inc. Partner and Supplier trademarks are owned by the respective Partners and Suppliers or authorized for their use in Canada.

What is Blue Receipts?

The Blue Rewards Receipts Program (“Blue Receipts”) is a new and easy way to get Bonus Points by scanning your receipts with your mobile device.

Available only through the Blue Rewards iOS and Android mobile apps.

The use of Blue Receipts is subject to the Terms and Conditions set out in the License Agreement accompanying the Blue Rewards Program iOS and Android mobile apps as a Service (as defined in the License Agreement).

Overview of How it Works

Blue Receipts gives our Members Bonus Points based on verified receipt scans of eligible qualifying product purchases from participating brands in connection with featured time-limited Blue Receipts Offers or bonus offers. Access the offers you like that are featured on the Blue Receipts Offer page in the Blue Rewards app by purchasing qualifying eligible products from participating brands during the specified offer periods and hold on to your receipts. Then, simply use Blue Receipts to take a scan of your receipt after you shop within 14 days of making the eligible purchase. An image of your scanned receipt will be stored in the Blue Rewards app and available for you to view. Receipts for your purchases must be processed and verified by Blue Rewards to receive Bonus Points. Once your receipt is verified by Blue Rewards and determined to be qualifying, you’ll receive the Bonus Points available in connection with the Blue Receipts Offers or bonus offers.

Blue Rewards retains discretion to verify scanned receipts and cannot verify purchases on all receipts. Blue Rewards makes no guarantee that your receipt will be accepted. Receipts must be legible and contain at a minimum: (a) date and location of purchase; (b) details of products purchased; and (c) receipt total.

Blue Receipt Offers are made available through partnerships with Product brands (Blue Receipts Partners) or the Blue Rewards Program directly and is no way connected to any grocers or retailers. Grocers and retailers are not participating in, are not affiliated with, and do not endorse Blue Receipts or its offers in any way.

When you scan your receipt and submit it to the Program it goes through the following steps of processing:

Optical Character Recognition (OCR) software reads the receipt.
We then verify the data from the receipt. To be accepted, a receipt must be printed in-store and have:
1. Valid date of purchase
2. Retailer name
3. Valid address
4. Total for dollars spent
5. Has not been submitted to Blue Receipts previously
6. Has been submitted within 14 days of date of purchase
Once a receipt is accepted, its product purchases will be matched up against applicable Blue Receipt Offers to determine how many Points, if any, it will earn.

Please note that after your Receipt has been accepted, verified, and number of Bonus Points earned determined that it can take up to 120 days before the Points flow into your Member account.

Blue Receipts relies heavily on OCR software to read submitted receipts. For best possible results ensure scans of receipts are well lit, legible, and do not contain crumpled or damaged receipts. If an accepted receipt cannot be fully processed automatically it may be reviewed by Blue Receipts personnel to determine if it qualifies for Points. In these cases, our team will do its utmost to process the receipt quickly, but it can take up to 20 business days to verify if the receipt will earn Points.

Blue Rewards reserves the right in its sole discretion to disqualify any receipt and/or any individual it finds to be tampering with the scanning process or the operation of the Blue Receipts feature or to be acting in violation of these Terms of Use or in a disruptive or fraudulent manner.

Getting Started on Blue Receipts

Download and log into the Blue Rewards App (available for iOS and Android) and navigate to the Blue Receipts experience via a banner on the app home screen. Step through our onboarding flow which outlines how to participate in Blue Receipts.

Next you'll land on the Blue Receipts Offer page where you will be able to view all the current Blue Receipts Offers or bonus offers featured. Want more details about a particular offer from participating product brands? Click on the unique offer tile to see the full offer terms and conditions. Within Offer Details you will find:

The number of Bonus Points available
What to do to qualify for the offer - e.g. Buy a specific product, Buy a defined number of a specific product, minimum spend, scan a certain number of receipts
Participating Product(s) (if applicable) e.g. product code, size,
Offer start and end dates
Offer limits e.g. Limit of one offer per transaction, limit of one offer per Member number
List of retailer receipts we accept**
Full Offer Terms & Conditions

**Receipts for your purchases from retailers must be processed and verified to receive Bonus Points. There is no guarantee that your receipt will be accepted. Receipts must be legible and contain: date and location of purchase, details of products purchased, and receipt total. Offer is made available in Blue Receipts, and is independent from retailers and grocers. No retailers or grocers are affiliated with any partners, sponsors nor do they endorse this offer or Blue Receipts.

Blue Receipts Offers

See if your everyday purchases may qualify by reviewing all the current Blue Receipts Offers or bonus offers available before you head out, and pay special attention to offer details, like:

List of the types of receipts we accept
Product(s) included
Quantity limitation
Dates the offer is valid
Any other stipulations the offer might have (i.e. buying more than one item)
Retailers that we accept receipts from

Each Blue Receipts Offer or bonus offer is only available through participating product brands at select major retailers. Make sure you see if your everyday purchases may be rewarded and hold on to your receipts.

After shopping, scanning your receipt is easy. Here's how:

Tap Scan a Receipt to launch the Blue Receipts feature
If it’s your first time, you’ll need to consent to Blue Rewards use of your device’s camera and the collection and use of your receipt information by Blue Rewards (see How Blue Receipts Uses Receipt Data below)
For shorter receipts, ensure the entire receipt is in view on your device, then click the button on the bottom of your screen to take a picture
For longer receipts, select Long Receipt. Start at the top of the receipt and tap the button. Then slowly move your device’s camera down to the bottom of the receipt.

Remember: you have 14 days from the date of purchase to submit in your receipt!

It can take up to 20 business days to verify your receipt. After it is verified, it can take up to 120 days for Points to appear in your Member account.

Once we verify the products purchased on your receipt matches one or more Blue Receipts Offers, the Bonus Points associated with those offers typically appear in your account within a couple of days, if not sooner, but can take up to 120 days.

Limitations & Exemptions

Blue Receipts will only accept receipts that our systems can successfully verify, as outlined in the Overview above. This means that we will occasionally limit the types of receipts that can be submitted. Currently Blue Receipts is only able to accept and process receipts from large national or regional retailers. This can change from offer to offer, for more details please see the specific offer Terms and Conditions.

Your Personal Information

We will collect and use your personal information to administer Blue Receipts and the Blue Rewards Program, for the purposes set out in these Terms and Conditions and for the purposes set out in the Blue Rewards Privacy Policy and Digital Privacy.

How Blue Receipts Uses Receipt Data

By scanning, submitting, and storing your receipt via Blue Receipts you agree to share all the information on your receipt to issue your Points for the offers you shopped, to better understand your shopping preferences, and to improve the Blue Rewards Program, in accordance with our Privacy Policy. This includes but is not limited to:

Date / time of transaction
Items purchased
Where these items were purchased
Payment method
The dollar value of the transaction
Loyalty program participation

In addition to the above, Blue Rewards may use receipt data directly or indirectly to infer certain things about your shopping habits, such as:

The frequency of shopping
The type of products you purchase
Your shopping preferences

This information is used in the following ways:

To determine if your receipt qualified for any applicable Blue Receipts Offers or bonus offers at the time of submission
To source offers for Members via Blue Receipts Partners
To verify the legitimacy of purchases
To prevent fraudulent activity in Blue Rewards Program

For complete details on how we collect, use, disclose and safeguard your Personal Information, your choices, and the rights you have, please see the complete Privacy Policy.

Blue Receipts Images, Activity & Transaction Details

You can review all your past receipt scans and Bonus Points awarded through Blue Receipts from the Blue Receipts Activity Screen. You can navigate to this screen from the menu in the top right-hand corner of the Blue Receipts experience. Once there, you can see your pending and historic receipts.

Pending receipts are being reviewed by our team and will take a little extra time to process. Once we verify the information on your receipt matches one or more Blue Receipts Offers, the Bonus Points associated with those offers will appear in your account within a couple of days, if not sooner.

You can click through any of your past receipts tiles to view more detailed information about that scan, including:

Place of purchase
Receipt date
Receipt total
Offers matched
Quantity claimed count
Bonus Points awarded
Receipt image

Submitting an Inquiry

If you think that you are missing Bonus Points from a Blue Receipt transaction where a receipt has been submitted, you can submit an inquiry for missing Bonus Points via the Blue Receipt Inquiry process. Start by visiting the Blue Receipts Activity page and selecting the receipt in question. Once you do, tap Submit an Inquiry to provide a few basic details - these include:

Eligible Product(s) purchased
Specific Offers you think you qualified for
Date of purchase
Total bonus Points missing

Example: Missing 10 Bonus Points from 2 bags of brand X chips purchased on X date for 5 Points each.

We will review your inquiry and get back to you as soon as possible, please note it can take up to 10 business days to process an inquiry. Check back on the Blue Receipts Activity > Receipt Details to check in on the status.

If a receipt requires review from Blue Receipts personnel it will be moved to pending and can take up to 20 business days to verify.

The following terms and conditions are applicable to the purchase of Blue Points (the “Offer”):

Offer is available to Blue Rewards Members only. Blue Points may be purchased at the prices currently listed on the “Buy Points” webpage at buypoints.bluerewards.ca (“Website”) which are subject to change without notice (including, but not limited to, as a result of time-limited promotional offers which Blue Rewards may offer and withdraw). Prices are listed in Canadian dollars and do not include applicable taxes. Applicable taxes will apply. Points can be purchased in increments of Points as listed on the Website, on a per transaction basis (each a “Package”). The number of Points that can be purchased as a Package is subject to change at any time; please consult the Website for the most current information regarding the specific Packages that are available to purchase at any given time.

Limit of one Package per transaction. All sales are final. There are no refunds on purchased Points.

Please allow up to 2 business days for Points to be deposited into your Member account.

To be eligible to purchase Points:

a valid Member number must be entered at the time of the transaction; and
at least 1 Point must have been posted to the Member account prior to the time of purchase.

The purchase price of a Point under this Offer is not intended to be, and should not be understood as, a statement of the dollar value of a Point. Notwithstanding the purchase price, the value of Points can fluctuate based on your redemption choices or changes to the Blue Rewards Program. For example, the value of Points may vary based on the category of reward being redeemed (travel, merchandise, certificate, or event), the specific individual reward being redeemed, and any promotional offers available at the time of redemption. The amount of Points needed to redeem a specific reward is subject to change without notice and such changes may affect the value of the Points being redeemed. To view the current list of available rewards and the number of Points needed to redeem a specific reward, please visit rewards.bluerewards.ca.

Blue Rewards reserves the right in its sole discretion to:

make changes to this Offer (including, but not limited to, the price per Point) and to withdraw the Offer at any time, for any reason and without notice.
reverse any transaction it finds in its sole discretion to be in violation of these terms and conditions, disruptive, suspicious or fraudulent.

This Offer is subject to the Blue Rewards General Terms and Conditions.

Use your Blue Points in increments of 1,500 Points for every $10 towards your in-store purchase at participating Blue Rewards partner locations (exclusions apply) or towards eGift Cards that can be used at participating reward partners' locations in Canada. There is a daily redemption limit of $750 (112,500 Points) across all participating in-store redemption partners and eGift Cards. See specific eGift Card terms for details, including additional restrictions that may apply. Please allow up to 48 hours after order is placed for eGift Card to be delivered. Visit rewards.bluerewards.ca to learn more. Unless stated otherwise, these terms and conditions apply only to in-store partner redemptions and eGift Card redemptions; other forms of Points redemptions, including through Blue Rewards Travel and on merchandise rewards, are subject to separate terms and redemption rates. To use your Points, you must have accumulated sufficient Points in your Member account. All rewards are subject to the Blue Rewards Program Terms and Conditions, are subject to change and may be withdrawn without notice. For complete details, visit bluerewards.ca

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