BMO
BMO Blue Rewards Mastercard
No annual fee, and ten times the points at Blue Rewards Partners. Plus 20,000 bonus Blue Points when you spend $1,500 in your first 110 days.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
21.99% (purchases)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 5 Blue Points per $1 at Blue Rewards Partners (up to $500/month, marketed as 10x the base rate)
- 1 point per $1 on groceries, gas, EV charging, wholesale clubs and alcohol (up to $500/month)
- 0.5 points per $1 on everything else
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | $0 (additional cardholders free) |
| Purchase APR | 21.99% (purchases) |
| Balance transfer intro | 0.99% introductory rate on balance transfers (promotional term varies by offer) |
| Balance transfer rate | 23.99% (21.99% for Quebec residents) |
| Balance transfer fee | Up to 5.00% of amount transferred; exact fee disclosed with the promotional offer (typically 2%) |
| Cash advance | 1.00% of the advance or minimum $5.00; cash advance APR 23.99% (21.99% in Quebec) |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Mastercard |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.