Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Points Programs benefit details — $95/yr annual fee
Points are worth 25% more when redeemed for travel through the BMO Flex Rewards portal — effectively 1.25 cpp.
Your BMO Flex Rewards points never expire as long as your account remains open and in good standing.