Get ready to make real financial progress
Find the best BMO Flex Rewards credit card for you.
Welcome offer: Get 15,000 bonus points when you spend $1,500 within 3 months of opening your account, footnote 1
- 2 points per $1 spent on eligible gas, EV charging and grocery purchases, up to $1,500 in combined spend each calendar quarter, footnote 1
- 1 point per $1 spent on all other eligible purchases, footnote 1
15% anniversary bonus points when you spend a minimum of $15,000 annually.4footnote 4
Welcome offer: Get 35,000 bonus points when you spend $5,000 within 2 months of opening your account, footnote 2
- 4 points per $1 spent on eligible gas, EV charging, grocery purchases and dining, up to $2,000 in combined spend each calendar quarter, footnote 1
- 2 points per $1 spent on eligible hotels and airfare, up to $2,000 in combined spend each calendar quarter, footnote 1
- 1 point per $1 spent on all other eligible purchases, footnote 1
- 10% Anniversary bonus points every year4footnote 4
Maximize your point potential
Earn BMO Flex Rewards points every time you spend and rack up the rewards.
Points earned in year 1: 48,150
That's like getting $482 towards a shopping spreeIncludes 15,000 welcome bonus,footnote 3, and first year Anniversary bonus.footnote 4
Estimate your monthly spending
Gas, EV charging and grocery purchases (earn 2 points for every $1 spent, footnote dagger):
All other eligible purchases (earn 1 point for every $1 spent):Select option on slider, ranges from $0 to $10,000.
Points earned in year 1: 99,968
Estimate your monthly spending
Gas, EV, groceries and dining (earn 4 points for every $1 spent††): Select option on slider, ranges from $0 to $5,000.
Hotel and airfare (earn 2 points for every $1 spent††): Select option on slider, ranges from $0 to $5,000.
All other eligible purchases (earn 1 point for every $1 spent): Select option on slider, ranges from $0 to $10,000.
Up to $1,500 in gas, EV charging, and grocery purchases each calendar quarter and 1x on all purchases after that.
Up to 2,000 in combined spend each calendar quarter.
Your points, your way
You’ve got the power and flexibility to redeem your points for what you want the most.
Looking for a Cash Back Card?
Want to earn cash back on your purchases? Find out why a BMO Cash Back Credit Card could be the perfect fit.
Rewards Credit Card FAQs
- Activate your cardTo activate your credit card sign in to BMO Digital Banking. From the Account summary screen, select your credit card, click on “Manage card” and “Activate your card”.You can also call to activate. To activate your Platinum, Platinum Rewards, Cash Back, and Boost Secured Card, call 1-855-825-9237. To activate your Premium Rewards or Premier Services Premium Rewards card, call 1-855-825-9238.
Manage your payments and rewards
- Participation in BMO Flex Rewards is subject to terms and conditions found in BMO Flex Rewards Program Rules, available at: bmo.com/bmoflexrewardsconsumer. The Account must be current and in good standing to accrue and redeem points or cash back, as applicable. While points and cash back don’t expire, if the Account is closed for any reason, the Account will no longer be able to accrue points or cash back. All accrued points or cash back not redeemed will be available for redemption for 90 days as long as the Account is closed in good standing. All cash back is redeemable in the form of a statement credit.
- The introductory rewards bonus is based on total net qualified purchases made in the first two months of account opening and rewards will be awarded to qualifying Accounts 3 - 4 weeks after the conclusion of the two-month period. The Account must be open and in good standing for the bonus to be awarded.
- The introductory rewards bonus is based on total net qualified purchases made in the first three months of account opening and rewards will be awarded to qualifying Accounts 3 - 4 weeks after the conclusion of the three-month period. The Account must be open and in good standing for the bonus to be awarded.
- Anniversary Bonus is based on net purchases made in the year prior to Anniversary Date. Please see the Program Rules for more information about the Anniversary Bonus.
- You can request to transfer balances from credit card accounts that you have with other credit card issuers. By submitting your Balance Transfer request you agree that the terms and conditions of your Cardholder Agreement apply to all balances transferred. Please refer to the Summary of Credit Terms for each card for important information about rates and fees: BMO Platinum Rewards Credit Card, BMO Cash Back Credit Card, BMO Premium Rewards Credit Card and BMO Platinum Credit Card.
- footnote * details Access Summary of Credit Terms for rate and fee information: BMO Platinum Rewards Credit Card.
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