®™ Trademarks of AM Royalties Limited Partnership used under license by BMO Blue Rewards, Inc. 

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

*When redeemed in-store at participating partners or on eGift cards standard daily Points usage limits and terms and conditions apply. Other forms of redemptions are subject to separate terms, conditions, and redemption rates. See bluerewards.ca/value  for full details.

1. BMO Blue Rewards Mastercard®: 

‡ BMO Blue Rewards Mastercard applications must be received between June 2, 2026 and October 31, 2026 (the “Offer Period”) to be eligible for this offer. This offer is not available to current or former BMO Blue Rewards cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. This offer may be withdrawn or changed without notice. Earn 20,000 Bonus Points 110 days after the credit card account open date when you spend a minimum of $1,500 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 days of account opening. The Bonus Points will be credited to your Blue Rewards primary Credit Cardholder’s Member Account up to 8 weeks after the conditions for each element of offer are met. If the Credit Card is cancelled within 365 days from the account opening date opened, all Bonus Points earned within that period may be cancelled. To receive Bonus Points, your credit card account must be open and in good standing at time of award. When redeemed in-store at participating partners or on e-Vouchers; standard daily Points usage limits and terms and conditions apply. Other forms of redemptions are subject to separate terms, conditions, and redemption rates. See bluerewards.ca/value for full details.

2. BMO Blue Rewards World Elite®* Mastercard®* :

BMO Blue Rewards World Elite Mastercard applications must be received between June 2, 2026 and October 31, 2026 (the “Offer Period”) to be eligible for this offer. This offer is not available to current or former BMO Blue Rewards cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. This offer may be withdrawn or changed without notice.

$1,600 in value is made up of:

Up to $665: Up to 100,000 Welcome Bonus Points (Worth up to $665 in value when redeemed at participating in-store partners or towards eGift Cards) 

• Earn 45,000 Bonus Points 110 days after the credit card account open date when you spend a minimum of $5,000 on net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 days of account opening.

• Earn an additional 20,000 Bonus Points 180 days after the credit card account open date when you spend a minimum of $10,000 on net card purchases within the first 180 days of account opening.

• Earn a further 35,000 Bonus Points 365 days after the credit card account open date when you spend a minimum of $20,000 on net card purchases within the first 365 days of account opening.

• The Bonus Points will be credited to your Blue Rewards primary Credit Cardholder’s Member Account up to 8 weeks after the conditions for each element of offer are met. If the Credit Card is cancelled within 365 days from the account opening date, all Bonus Points earned within that period may be cancelled. To receive Bonus Points, your credit card account must be open and in good standing at time of award.

• When redeemed in-store at participating partners or on eGift card; standard daily Points usage limits and terms and conditions apply. Other forms of redemptions are subject to separate terms, conditions, and redemption rates. See bluerewards.ca/value for full details.

Up to $200: NEXUS Statement Credit

• Receive one statement credit up to a maximum of $200 CAD when NEXUS Application Fee is charged and posted in the first year on your Primary card regardless of NEXUS Application status. To be eligible for the NEXUS Statement Credit, the Primary Account must be in good standing at the time of the NEXUS program membership application fee is charged and posted. BMO has no control over the NEXUS program and terms and conditions are defined by NEXUS Program. The amount will be credited to your account up to 12 weeks after the conditions of the offer are met.

Up to $200: Annual Fee Rebate

• The Primary Cardholder annual fee of $150 will be rebated in the first year and will appear as a fee and a credit on the first statement.

• Each Additional Card annual fee of $50 will also be rebated in the first year if added at the time of primary cardholder’s application and will appear as a fee and a credit on the first statement.

• After the first year, the annual fee plus any additional cardholder fees will appear on your credit card statement twelve (12) months after the account open date.

Up to $268: Mastercard Travel Pass provided by DragonPass

• Includes a complimentary membership to participating lounges within the Mastercard Travel Pass provided by DragonPass program (approximate membership value of US$68 = $93 CAD based on exchange rate of 1.37 February 23, 2026).

• Receive four complimentary lounge passes each calendar year. Passes can be used by you as the primary cardholder or for a travelling companion (approximate lounge passes value of US$128 = $175 CAD based on exchange rate of 1.37 February 23, 2026). After the four passes are used, lounge access is available for a fee of US$32 per person, per visit.

• Cardholders must enroll for this benefit through the Mastercard Travel Pass App or program website using a valid Canadian-issued BMO World or World Elite Mastercard. Conditions of Use apply and are subject to change without notice.

Up to $200: Instacart+ Membership & Monthly Credit

• Complimentary and Discounted Instacart+ Membership: You, as the Primary cardmember, can activate this offer using your eligible Canadian BMO Credit Card by October 31, 2027 at 11:59PM PT, to receive (i) six (6) months of complimentary Instacart+ membership beginning on the date you activate this offer and (ii) this offer’s promotional Instacart+ annual rate ($20 CAD off annual rate of $99 CAD/year) if you opt-in to auto-enroll during initial offer enrollment. This offer is valid for only one eligible premium Canadian BMO Credit Card per Instacart account. Activate the offer via https://www.instacart.ca/p/bmo-premium or the special offer invitation in your email or account settings. 

• $10 Instacart Credit per Month BMO Offer: As a Canadian BMO Credit Card Primary cardmember, you can receive one $10 CAD credit in your Instacart account each month you have an active Instacart+ membership after you activate your complimentary BMO Instacart+ membership on https://www.instacart.ca/p/bmo-premium through October 31, 2027 at 11:59PM PT. The monthly credit will be made available to you in your Instacart+ account at the beginning of each month and will only be available on that platform for the remainder of that calendar month; the monthly credit will not roll over into a subsequent month. 

$75: Roadside Assistance

• With the BMO Blue Rewards World Elite Mastercard, you will receive a complimentary membership in the Dominion Automobile Association (DAA) and the benefits of their BMO Roadside Assistance Program (Basic Coverage). Membership terms and plan features are described in the Certificate you will receive.

3. BMO Blue Rewards World Elite®* Mastercard®* : 
Transactions include everyday banking transactions at a BMO branch, BMO ATM, BMO Telephone Banking, BMO Online Banking, BMO Mobile Banking app, debit card purchases, cheques drawn on your account, Pre-Authorized Debits, and Interac e-Transfer transactions at no additional charge. Transaction limits may apply. You are responsible for all transaction, service and product fees not included in your Bank Plan. A list of fees is available in the Agreements, Bank Plans and Fees for Everyday Banking booklet, available in branches in Canada and online at bmo.com/agreements.

Get: (i) one (1) Blue Point (“Point”) for every $2.00 in purchases, up to a maximum of 2,500 Points ($5,000 net eligible purchases) per calendar month; and (ii) one (1) Bonus Point (“Bonus Point”) for every $2.00 in purchases at merchants classified by Mastercard’s “Merchant Category Code” (MCC) as “grocery stores and supermarkets” (MCC 5411) and “Wholesale Clubs” (MCC 5300), “Gas” (MCC 5541 and 5542), and “EV Charging Stations” (MCC 5552) for a total of two (2) Points (including the base earn rate). Bonus Points will be earned on eligible grocery store, wholesale club, gas, and EV charging purchases up to a maximum combined spend of all five (5) MCC categories of $1,000 in net purchases per calendar month. Points are calculated on the total eligible cumulative purchases (less refunds) made with your BMO Debit Card that occur on your Lead Account over a calendar month. The “Lead Account” is defined as a Canadian dollar Primary Chequing Account or Interest Chequing Account (for existing customers) and is the one you designate to pay any fees required by the Blue Rewards Bank Plan, for example, your monthly Plan fees and transaction fees. Any debit card purchases on any additional accounts under the Blue Rewards Bank Plan, are not eligible for Points. BMO cannot guarantee that any merchant operating in whole or in part as a grocery store, wholesale club, gas station or EV charging station is classified by MCC 5411, MCC 5300, MCC 5541, MCC 5542, or MCC 5552 and in no event will BMO be liable or responsible for any claims with respect to a purchase made at a merchant that is not classified by MCC 5411, MCC 5300, MCC 5541, MCC 5542, or MCC 5552. Points will be credited to your Blue Rewards Member Number within 90 days after the end of the applicable statement period. The number of Points awarded will be rounded down to the nearest whole number. Fractions of Points will not be awarded.

Bonus Points are awarded when you maintain the minimum daily balance at all times throughout the calendar month in a Primary Chequing Account or Interest Chequing Account (for existing customers) that has been designated as the Lead Account (defined) for the Blue Rewards Bank Plan. The “Lead Account” is defined as a Canadian dollar Primary Chequing Account or Interest Chequing Account (for existing customers) and is the one you designate to pay any fees required by the Blue Rewards Bank Plan, for example, your monthly Plan fees and transaction fees.

Your eligible BMO Credit Card must be in good standing. Limit one (1) Bonus Points offer per bank account with the Blue Rewards Bank Plan.

You’re eligible for OnGuard if you are a Canadian resident who has reached age of majority in the province or territory where you reside and are a Lead Account holder with the Blue Rewards Bank Plan. Access to BMO Online Banking or BMO Mobile Banking is required to enrol. Terms and conditions can be found at bmo.com/onguard/SLGconditions.

If you are the Lead Account holder with the Blue Rewards Bank Plan, your family members that reside at the same household as you can open accounts under your Bank Plan (a “Member Account”) with no additional monthly Plan fee. Member Accounts are any additional accounts that are opened under the Bank Plan, held either by you, or held by your family members or jointly with your family members. Member Accounts do not qualify to earn Blue Points or Bonus Points. For full terms and conditions please visit bmo.com/familybundle.