CardRewards.aiCardRewards
Sign Up
BMO Premium Rewards Mastercard®

BMO Premium Rewards Mastercard® Points Programs

$95/yr annual fee. 2 points programs benefits, with what each is worth and the limits that apply.

Annual fee
$95/yr
Estimated value
$25/yr
Benefits
2

Points Never Expire

Bonus earning

Your BMO Flex Rewards points never expire as long as your account remains open and in good standing.

Pro Tips

  1. 1Unlike some programs that expire points after inactivity, BMO points persist as long as the account is open.

25% Travel Redemption Bonus

Bonus earning

Points are worth 25% more when redeemed for travel through the BMO Flex Rewards portal — effectively 1.25 cpp.

Pro Tips

  1. 1This bumps the effective value from 1 cpp to 1.25 cpp, making travel the best redemption option.
  2. 2Compare portal prices to OTAs — sometimes the portal markup can offset the 25% bonus.

Value Analysis

Estimated Value
$25

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.