BMO Blue Rewards Mastercard

Relevant if: you use the BMO Blue Rewards program and its documented categories.

Less suitable if: terms that remain unconfirmed are essential to your decision.

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$149.38

Confirmed offer · not valued in the estimate

Fee: no annual fee

Offer verified on November 6, 2026

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For a spending profile of $36,000 a year

Rewards net of annual fees (balanced scenario): $149.38
+ Offer (first 12 months): Offer confirmed, but not yet valued by Futello — not included
= Estimate for this profile, without the offer: $149.38

Basket breakdown · Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Groceries$11,250
Restaurants$4,500
Gas / charging$4,500
Pre-authorized payments$4,500

A welcome offer is confirmed for this card, but Futello does not yet have a certified value to include it. The estimate is therefore limited to the card’s recurring value minus the first-year fee; the real first-year value will be higher if you meet the offer’s conditions.

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: 20,000 points BMO Blue Rewards
Conditions: 20,000 bonus points
End date: End date not published
Offer quality: Fair Futello rating grid
Last verified: Verified today

Offer changed — August 24, 2026 · required spend

Email me if this offer changes

Offer history: too short to compare

Earlier offer · observed in 2026 1 points
October 14, 2026 20,000 points current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

Category	Reward	Conditions
Groceries, Gas, Alcohol, and Warehouse clubs	1 point per dollar	$500 cap / statement period · 0.5 points per dollar after the cap
Other purchases	0.5 points per dollar	No published cap

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Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

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