A simple, no-cost entry into BMO's new Blue Rewards program; fine as a partner-store companion card, but the base earn is too thin to be a primary card.
At a glance
Annual fee
No annual fee
Welcome bonus
~$135
Foreign tx fee
2.5%
Network
MASTERCARD
Rewards
points
Purchase APR
21.99%
Rewards & earn rates
Blue Rewards partners (incl. Blue Rewards Travel)At 400+ participating partners; capped at $500 in spend per billing cycle
5x
Groceries, wholesale clubs & alcohol
1x
Gas & EV charging
1x
Everything else
0.5x
Welcome offer: 20,000 bonus Blue Points (worth about $133) (Spend $1,500 in the first 110 days; apply by October 31, 2026).
Pros & cons
Pros
No-fee way to earn in the new Blue Rewards ecosystem
Easy welcome bonus with a low spend requirement
Cons
Weak 0.5x base earn outside bonus categories
No travel insurance or lounge benefits
Points are not transferable to airline programs
Perks & insurance
Key perks
5x Blue Points at 400+ Blue Rewards partners
No annual fee with free supplementary cards
0.99% introductory balance transfer rate for 9 months
Three months of Instacart+ plus $5 monthly Instacart credit (enrollment required)
Simple redemptions: 1,500 points = $10 in-store or on e-gift cards
Insurance
Extended warranty insurance
Purchase protection
Rates & fees
Annual fee
None
Purchase interest
21.99%
Cash advance
23.99%
Foreign transactions
2.5%
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
