Pros & cons

Your rewards

$100 GeniusCash offer

On approval, receive $100 GeniusCash on us when you apply for BMO Blue Rewards Business Mastercard using this offer page.

GeniusCash offer expires on Dec 31, 2026.

$100

How you earn rewards

Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With BMO Blue Rewards Business Mastercard, here's how you earn rewards:

• 10 points per $1 spent at Blue Rewards partners
• 2 points per $1 spent on gas and EV charging
• 1 point per $1 spent on all other purchases

For all reward details click here.

How much your rewards are worth

The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For BMO Blue Rewards Business Mastercard in particular, if you spend $3,000 per month, here's our estimated annual rewards earned depending on which reward you choose:

Rewards Points Calculator

Enter your rewards balance to calculate how much your points are worth. Review your redemption options and recommendations to get the most value.

Reward ProgramAAdvantageAeroplanAlaska Airlines Mileage PlanAvianca LifemilesAmerican Express Membership RewardsBMO RewardsAir MilesDesjardins BONUSDOLLARSMarriott BonvoyCIBC Aventura RewardsBritish Airways Executive ClubFlying BlueCathay Pacific Asia MilesDelta SkyMilesMBNA RewardsPorter VIPorterMyMcDonald's RewardsJournie RewardsRexall BeWellPC OptimumQatar Airways Privilege ClubTD RewardsUnited MileagePlusMore RewardsPlum RewardsNational Bank À la Carte RewardsAvion Rewards (Elite)Scene+Tims RewardsWestJet RewardsTriangle RewardsAvion Rewards (Premium)Blue RewardsWendy's RewardsFlex RewardsAir TransatWyndham RewardsHilton Honors

Points Balance

Our recommendations:

Use your points for Cruises to get the most value.

$70

Avoid using points for Merchandise as this gives you the lowest value.

$59

Using your points for Cruises instead of Merchandise will save you $11.

Point Values

Redemption Option	Point Value	Total Value
Cruises	0.7 cents	$70
Event tickets	0.67 cents	$67
e-Vouchers	0.67 cents	$67
Car, flights, and hotels from Expedia Blue Rewards	0.64 cents	$64
Merchandise	0.59 cents	$59

Redemption Options

Cruises

Cruises through redtag.ca with Blue Rewards travel partners

$70

Event tickets

Tickets to various sports, concerts, and events

$67

e-Vouchers

In-store gift cards and e-gift cards to many retailers

$67

Car, flights, and hotels from Expedia Blue Rewards

Redeem points for any travel from Blue Rewards

$64

Merchandise

Wide assortment of merchandise

$59

Calculating your annual rewards

$36,000 annual spending x 1.04% return on spending = $374 annual rewards

$374 annual rewards − $0.00 annual fee = $374 net annual rewards

Details and eligibility

Insurance coverage

Extended Warranty

1 year

Purchase Protection

90 days

Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Learn more about the value of credit card insurance coverage.

Genius Rating

BMO Blue Rewards Business Mastercard's 3.7 Genius Rating is based on the weighted average of the following scores:

Methodology

All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.

Learn more about our rating methodology.

Key benefits