®™ 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. 

®Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.

*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.

**Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions and Mastercard cheques. For current rates and fees, visit your branch; or, for Mastercard products call the Customer Contact Centre at 1-800-263-2263, for the BMO eclipse Visa Infinite Privilege* Card call 1-833-256-7137 and for other eclipse Visa cards call 1-833-256-7136. To review current rates and fees for the BMO Prepaid Mastercard, visit bmo.com/rates-fees-prepaid, for all other credit cards visit bmo.com/rates-fees.

BMO Blue Rewards Mastercard®:  

1. 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 credit 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 This offer may be withdrawn or changed without notice.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.

2. BMO Blue Rewards Mastercard cardholders will get 5 Blue Points for every $1 in purchases at participating Blue Rewards Partners. Participating Blue Rewards Partners may be added or removed at any time without notice; visit www.bmo.com/bluerewards10x for partner details. This “10x times the Points” multiplier is based on the base earn rate of 0.5 Points per $1 spent on card purchases (“Base Points”) and the bonus of 4.5 Points per $1 spent on eligible Blue Rewards Partner purchases (“Bonus Points). Points will be calculated on the total eligible cumulative purchases made at all participating Blue Rewards Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). Bonus Points will be earned on eligible purchases at eligible Blue Rewards Partner locations up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will only be eligible to earn Base Points. The “10x times the Points” benefit is available on eligible purchases and may be withdrawn or changed at any time without notice.

3. BMO Blue Rewards Mastercard cardholders will earn 1 Blue Point for every $1 in purchases in Canada at eligible: (1) Alcohol and Liquor merchants classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, and Liquor” (MCC 5921), (2) Automobile and vehicle fuel merchants classified by Mastercard’s “Merchant Category Code” as “Service Stations (with or without Ancillary Services)” (MCC 5541), “Fuel Dispenser, Automated” (MCC 5542), or “Electric Vehicle Charging” (MCC 5552), (3) Grocery merchants classified by Mastercard’s “Merchant Category Code” as “Grocery Stores and Supermarkets” (MCC 5411), and (4) Wholesale Clubs classified by Mastercard’s “Merchant Category Code” as “Wholesale Clubs” (MCC 5300) (each an “Accelerator Spend Category”). Accelerator Spend Category purchases at participating Blue Rewards Partners will not be eligible for this offer; however, they will continue to earn the “10x the Points” benefit applicable to purchases at participating Partners. For a list of current participating Partners, please visit www.bmo.com/bluerewards10x. The 1 Point includes the base earn rate of 0.5 Points for every $1 spent in card purchases (“Base Points”) and the bonus of 0.5 Points per $1 spent on eligible purchases in each Accelerator Spend Category (“Bonus Points”). Bonus Points will be earned on eligible Accelerator Spend Category purchases at merchant locations in Canada up to a combined maximum of $500 in net purchases in each Accelerator Spend Category posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible to earn Bonus Points. In no event will BMO (“Bank of Montreal”) be liable or responsible for any claims with respect to an alcohol and liquor purchase made at a merchant that is not classified by MCC 5921, an automobile and vehicle fuel purchase made at a merchant that is not classified by MCC 5541, MCC 5542 or MCC 5552, a grocery purchase made at a merchant that is not classified by 5411 and wholesale clubs purchases made at a merchant that is not classified by MCC 5300. Points will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the Blue Rewards Terms and Conditions and the BMO Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice.

4. Offer is cumulative over the statement period. Award of Blue Points is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the Terms and Conditions of the Blue Rewards Program and the BMO Credit Card Cardholder Agreement. The number of Points will be rounded down to the nearest whole number. Fractions of Points will not be awarded.

BMO Blue Rewards World Elite®* Mastercard®*:

5. 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 credit 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. *Standard daily Points usage limits and terms and conditions apply for in-store partner redemptions and eGfit Cards. 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 CashBack World Mastercard, BMO CashBack World Elite Mastercard and the BMO Blue Rewards World Elite Mastercard, you will receive a free membership of the Dominion Automobile Association and the benefits of their BMO Roadside Assistance Program (Basic Coverage). Membership terms and the features of the plan are described in the Certificate that you will receive or access the Certificate using the following link bmo.com/roadsideassistancebasic. DAA requires BMO to provide any information reasonably required for the sole purpose of confirming that you are covered by the Program. 
• Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance that is sent to new cardholders. Insurance coverages are provided by CUMIS General Insurance Company and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and/or its subsidiaries doing business as Allianz Global Assistance. For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca.CUMIS General Insurance CompanyP.O. Box 5065,151 North Service RoadBurlington, Ontario L7R 4C2Canada1-800-263-9120 www.cumis.com

6. BMO Blue Rewards World Elite Mastercard cardholders will get 10 Blue Points for every $1 in purchases at participating Blue Rewards Partners. Participating Blue Rewards Partners may be added or removed at any time without notice; visit www.bmo.com/bluerewards10x for partner details. This “10x the Points” multiplier is based on the base earn rate of 1 Point per $1 spent on card purchases (“Base Points”) and the bonus of 9 Points per $1 spent on eligible Blue Rewards Partner purchases (“Bonus Points"). Points will be calculated on the total eligible cumulative purchases made at all participating Blue Rewards Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). Bonus Points will be earned on eligible purchases at eligible Blue Rewards Partner locations up to a combined maximum of $1000 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will only be eligible to earn Base Points. The “10x the Points” benefit is available on eligible purchases and may be withdrawn or changed at any time without notice.

7. BMO Blue Rewards World Elite Mastercard cardholders will earn 2 Blue Points for every $1 in purchases in Canada at eligible: (1) Alcohol and Liquor merchants classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, and Liquor” (MCC 5921), (2) Automobile and vehicle fuel merchants classified by Mastercard’s “Merchant Category Code” as “Service Stations (with or without Ancillary Services)” (MCC 5541), “Fuel Dispenser, Automated” (MCC 5542), or “Electric Vehicle Charging” (MCC 5552), (3) Grocery merchants classified by Mastercard’s “Merchant Category Code” as “Grocery Stores and Supermarkets” (MCC 5411), and (4) Wholesale Clubs classified by Mastercard’s “Merchant Category Code” as “Wholesale Clubs” (MCC 5300) (each an “Accelerator Spend Category”). Accelerator Spend Category purchases at participating Blue Rewards Partners will not be eligible for this offer; however, they will continue to earn the “10x the Points” benefit applicable to purchases at participating Partners. For a list of current participating Partners, please visit www.bmo.com/bluerewards10x. The 2 Points include the base earn rate of 1 Point for every $1 spent in card purchases (“Base Points”) and the bonus of 1 Point per $1 spent on eligible purchases in each Accelerator Spend Category (“Bonus Points”). Bonus Points will be earned on eligible Accelerator Spend Category purchases at merchant locations in Canada up to a combined maximum of $500 in net purchases in each Accelerator Spend Category posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible to earn Bonus Points. In no event will BMO (“Bank of Montreal”) be liable or responsible for any claims with respect to an alcohol and liquor purchase made at a merchant that is not classified by MCC 5921, an automobile and vehicle fuel purchase made at a merchant that is not classified by MCC 5541, MCC 5542 or MCC 5552, a grocery purchase made at a merchant that is not classified by 5411 and wholesale clubs purchases made at a merchant that is not classified by MCC 5300. Points will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your account within 90 days after the end of the applicable statement period. The number of Points earned will be rounded down to the nearest whole number. Fractions of Points will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and are subject to the Blue Rewards Terms and Conditions and the BMO Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice.

8. Offer is cumulative over the statement period. Award of Blue Points is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the Terms and Conditions of the Blue Rewards Program and the BMO Credit Card Cardholder Agreement. The number of Points will be rounded down to the nearest whole number. Fractions of Points will not be awarded.

Blue Rewards Chequing Account:

9. 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.

10. 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.

11. 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.

12. 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.

13. 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

14. 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.