"How do I earn BMO Rewards points?"

"BMO Rewards points are earned exclusively through eligible BMO credit cards. The BMO eclipse Visa Infinite earns 5x BMO Rewards on food and dining, groceries, gas, and transit; 1x on all other purchases. The BMO Rewards World Elite Mastercard earns 3x on travel and 2x on everything else. Points accumulate automatically on every eligible purchase."

"How do I redeem BMO Rewards points?"

"BMO Rewards points are redeemed through the BMO Rewards portal at bmo.com. You can book flights, hotels, car rentals, and vacation packages using points. The redemption rate is approximately 150 points = $1 in travel value. Statement credits and merchandise are also available but at lower value."

"Can BMO Rewards points be transferred to airline programmes?"

"No. BMO Rewards points cannot be transferred to any airline loyalty programme, including Aeroplan. All BMO Rewards redemptions happen through the BMO Rewards portal. If you want transferable points, Amex Membership Rewards or Avion Rewards are better choices."

"What is the BMO Rewards travel portal?"

"The BMO Rewards portal is an online booking tool integrated with BMO's website where cardholders can book flights, hotels, and car rentals and pay using BMO Rewards points. Any airline and most major hotel brands are available. There are no blackout dates — any available flight inventory can be booked with points."

How BMO Rewards Works in Canada 2026: Complete Guide

BMO Rewards is Bank of Montreal’s proprietary loyalty programme. Points are earned on BMO credit card purchases and redeemed through BMO’s travel portal or for statement credits. Unlike Aeroplan or Avion, BMO Rewards is a closed programme — there are no transfers to airline partners.

What Is BMO Rewards?

BMO Rewards is earned exclusively through eligible BMO credit cards. It is a travel portal programme: points have a fixed value in the BMO Rewards travel portal, and that value is what determines their worth.

Key facts:

Earned exclusively on BMO credit card purchases
150 points = $1 in travel (approximately 0.67¢ per point)
No airline transfer partners
Redeemable for flights, hotels, car rentals, and vacation packages
No blackout dates in the travel portal
Points do not expire while account is active

How to Earn BMO Rewards Points

Card	Food/Dining/Grocery	Gas/Transit	Travel	Everything Else
BMO eclipse Visa Infinite	5x	5x	1x	1x
BMO eclipse Visa Infinite Privilege	5x	1x	1x	3x everywhere
BMO Rewards World Elite Mastercard	2x	2x	3x	2x
BMO Rewards Mastercard	1x	1x	1x	1x

Earn rates are subject to change. Verify at bmo.com.

Best everyday card: The BMO eclipse Visa Infinite earns 5x on food, groceries, gas, and transit — categories that cover most household spending. At $120/year, it is well-positioned for urban Canadians who spend significantly in these categories.

How to Redeem BMO Rewards Points

1. BMO Rewards Travel Portal (Best Value)

Log in to bmo.com and navigate to BMO Rewards
Search for flights, hotels, or car rentals
At checkout, select “Pay with Points”
Rate: 150 points = $1 (0.67¢/pt)

2. Statement Credits (Lower Value)

Redeem against your credit card balance
Rate: typically 200 points = $1 (0.5¢/pt)
Use only if no travel redemptions planned

3. Merchandise and Gift Cards (Lowest Value)

Generally 0.4–0.6¢/pt
Not recommended

BMO Rewards vs. Other Portal Programmes

Programme	Portal Rate	Transfer Partners
BMO Rewards	~0.67¢/pt	None
Scene+	1.0¢/pt	None
TD Rewards	~0.5¢/pt (Expedia for TD)	None
Avion Rewards	~1.0¢/pt	BA Avios, Asia Miles
Amex MR	~1.0¢/pt	Aeroplan, Avios, Flying Blue

BMO Rewards’ travel portal rate (0.67¢/pt) is below the competition. The BMO eclipse’s 5x earn rate partially compensates — but programmes like Scene+ (1¢/pt, simple) or Amex MR (1¢/pt portal + transfers) deliver more value from similar earn rates.

BMO Rewards terms are subject to change. Verify at bmo.com. See our Advertiser Disclosure.