BMO Blue Rewards Mastercard®
BMO · MASTERCARD
The BMO Blue Rewards Mastercard® is a credit card from BMO on the MASTERCARD network. It has an annual fee of C$0. It earns 1x on groceries. The welcome offer is Get 20,000 Bonus Points and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee. Plus, earn or redeem rewards from over 400 brands.
Key facts
- Annual fee
- C$0
- Purchase APR
- 21.99%
- Network
- MASTERCARD
- Welcome offer
- Get 20,000 Bonus Points and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee. Plus, earn or redeem rewards from over 400 brands.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Groceries | 1x | 1x on groceries |
Benefits and perks
- Earn Blue Points on every dollar spent: Enjoy Canada’s only retail credit card with built-in accelerators on groceries, gas, electric vehicle charging and wholesale purchases.
- 2x two times the Points: Earn 1 Point for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchases. That’s 2x two times your base earn rate.
- Exclusive Offers: Unlock exclusive offers at top brands through Blue Rewards offers.
- BMO Blue Rewards Mastercard FAQs Frequently Asked Questions
- BMO PaySmart™ Installment Plans: Live now, pay smarter with a BMO PaySmart plan by turning your credit card purchases into smaller, interest-free monthly payments with a low fee.
Rates and fees
Annual membership fee: C$0. Purchase APR: 21.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 23.99%.
Rates and fees as published by the issuer and recorded on 8 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the BMO Blue Rewards Mastercard®
What is the annual fee on the BMO Blue Rewards Mastercard®?
The BMO Blue Rewards Mastercard® has an annual fee of C$0.
What rewards does the BMO Blue Rewards Mastercard® earn?
The BMO Blue Rewards Mastercard® earns 1x on groceries.
Is the BMO Blue Rewards Mastercard® worth it?
The BMO Blue Rewards Mastercard® is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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