Blue Rewards 是什么？
Blue Rewards 是 BMO 银行主导的忠诚度计划，已经在 2026 年 6 月 2 日正式上线，完全取代了之前已经运行了二十多年的 AIR MILES 系统。新的计划核心逻辑就是 “简化“”，采用单一积分货币 —— Blue Points，把原来AIR MILES 系统里分散的 Cash 和 Dream 两类里程整合进一个统一账户，让赚取和兑换都变得更直观。这个计划对所有加拿大居民开放，加入完全免费，不需要成为 BMO 客户也能注册并开始累积积分，不过 BMO 客户能通过专属信用卡和支票账户解锁更高的加速比例。
其积分价值相对固定：在参与门店直接抵扣或兑换电子礼品卡时，1500 Blue Points 固定等于 10 加元，相当于每点约 0.67 加分。旅行、商品或其他体验类兑换的实际价值可能会略有浮动，但整体保持了与旧 AIR MILES 相近的兑换效率。兑换比例虽然不吸引人，但它胜在积分获取的渠道、赚得速率都有大幅度改善。
账户可以通过 Blue Rewards 官网、APP 或 BMO 银行 APP 管理，支持查看余额、扫描小票、领取专属优惠，并一键跳转到旅行预订平台。整体设计强调“日常消费即奖励”，既适合想用积分补贴生活开销的普通人，也适合想把积分集中砸向机票酒店的常旅客。
Blue Points 可以转给其他会员，也可以将同一家庭的账户进行合并。同一 Household 的账户合并目前可以免费完成，而向其他账户 Gift 或 Transfer Points，一般会收取 每 16 Points $0.15 加税的费用。
⚠️ 需要注意的是，Blue Rewards 与 BMO 原有的 BMO Rewards 是两个完全独立的积分体系。千万不要搞混了。
如何累积 Blue Rewards 积分
赚取Blue Points的途径相当多元，毫不夸张的说 已经渗透到日常生活的方方面面。简单总结其核心逻辑就是把日常消费、合作伙伴购物和BMO产品叠加使用，实现“一笔消费多重收益”。
2.1 信用卡消费/开卡奖励
BMO 一共有四张信用卡可以累积 Blue Rewards points，含 2 张个人信用卡和 2 张商业信用卡，分别是：
除了开卡奖励外，它们平时消费时在不同类别的积分比率是：
| 信用卡名称 | 基础消费收益 (Base Rate) | 日常多倍类别奖励 (特定消费场景) | 顶级合作伙伴及旅行加速 (Blue Rewards Partners) |
|---|---|---|---|
| BMO Blue Rewards Mastercard (无年费个人卡) |
0.5 点 / $1 | 1 点 / $1 (超市、加油、电车充电、批发俱乐部及酒类；每个类别每个账单周期最多 $500 净消费，超过后只获 0.5x) |
5 点 / $1 (参与的 Blue Rewards 合作商户及 Blue Rewards Travel；每个账单周期合计最多 $500 净消费，超过后只获 0.5x) |
| BMO Blue Rewards World Elite Mastercard (高端个人卡) |
1 点 / $1 | 2 点 / $1 (超市、加油、电车充电、批发俱乐部及酒类；每个类别每个账单周期最多 $500 净消费，超过后只获 1x) |
10 点 / $1 (参与的 Blue Rewards 合作商户及 Blue Rewards Travel；每个账单周期合计最多 $1,000 净消费，超过后只获 1x) |
| BMO Blue Rewards Business Mastercard (无年费商业卡) |
1 点 / $1 | 2 点 / $1 (加拿大加油及电车充电；每个账单周期合计最多 $1,000 净消费，超过后只获 1x) |
10 点 / $1 (参与的合作商户及 Blue Rewards Travel；每个日历年合计最多 $15,000 净消费，超过后只获 1x) |
| BMO Blue Rewards World Elite Business Mastercard (高端商业卡) |
1.25 点 / $1 | 2.5 点 / $1 (加拿大加油及电车充电；每个账单周期合计最多 $1,000 净消费，超过后只获 1.25x) |
12.5 点 / $1 (参与的合作商户及 Blue Rewards Travel；每个日历年合计最多 $25,000 净消费，超过后只获 1.25x) |
2.2 合作商户网络消费
在参加 Blue Rewards 的商户消费时出示实体或者手机里的 Blue Rewards Member Card。不同合作伙伴给出的积分比例并不完全一样，有些按照消费金额给积分，有些则通过限时 Offer 发放额外 Bonus Points
举例选择 BC 地区后 显示出来的 Partner Listing
- INSTACART: Get Blue Points by paying with any eligible linked payment card.*
- PHARMASAVE: Get 16 Blue Points for every $10 spent in a single transaction.*
- THAÏ EXPRESS: Get Blue Points by paying with any eligible linked payment card.*
- MR.SUB: Get Blue Points by paying with any eligible linked payment card.*
- FAIRMONT HOTELS & RESORTS: Get Blue Points by paying with any eligible linked payment card.*
- SEPHORA: Get Blue Points by paying with any eligible linked payment card.*
- JUGO JUICE: Get Blue Points by paying with any eligible linked payment card.*
- AVIS & BUDGET: 16 Blue Points for every $15 spent in a single transaction.*
- ADIDAS: (No earn rule listed)
- DOLLARAMA: (No earn rule listed)
- BLUE REWARDS SHOPS: For the majority of the online stores you’ll get 16 Blue Points for every $20 you spend excluding shipping, handling, duties and taxes.
- BLUE REWARDS TRAVEL: Get Blue Points on travel bookings through Blue Rewards.
- ALAMO RENT A CAR: Get 16 Blue Points for every $10 spent.*
- REDTAG.CA: Get 16 Points for every $15 you spend towards travel.*
- UNITED VAN LINES: Get 3,200 Blue Points for a Local move.*
- MAYFLOWER: Get 3,200 Blue Points for a Local move.*
- ACTION CAR AND TRUCK ACCESSORIES: Get 16 Blue Points for every $30 spent.*
- DYNATA: Get 400 Bonus Points when you sign up and complete your first survey.*
- AIRALO: Get 16 Blue Points for every $1 spent.*
- AMAZON: Get 16 points for every $20 spent in select categories in a single transaction.
- APPLE: Get 16 Blue Points for every $20 spent in a single transaction.
- ASHLEY: Get Blue Points by paying with any eligible linked payment card.*
- ATTITUDE: Get Blue Points by paying with any eligible linked payment card.*
- BASKITS: Get Blue Points by paying with any eligible linked payment card.*
- BEST BUY: Get 16 Blue Points for every $20 spent in a single transaction.
- BIKINI VILLAGE: Get Blue Points by paying with any eligible linked payment card.*
- BKIND: Get Blue Points by paying with any eligible linked payment card.*
- BLUE REWARDS: Get Blue Points with Bonus Offers from the Blue Rewards Program.
- BLUE REWARDS RECEIPTS: Get Blue Points by scanning your eligible grocery & other essentials receipts using the Blue Rewards app.
- BLUSH: Get Blue Points by paying with any eligible linked payment card.*
- BMO BLUE REWARDS CHEQUING ACCOUNT: (No earn rule listed)
- BMO BLUE REWARDS CREDIT CARDS: (No earn rule listed)
- BMO INSURANCE SOLUTIONS INC.: (No earn rule listed)
- BUFFALO DAVID BITTON: Get Blue Points by paying with any eligible linked payment card.*
- DECATHLON: Get Blue Points by paying with any eligible linked payment card.*
- DELL: (No earn rule listed)
- EVER NEW: (No earn rule listed)
- FLASH OFFERS: Check the Blue Rewards app often for exciting limited-time offers to boost your Blue Points balance.
- FRESH: Get Blue Points by paying with any eligible linked payment card.*
- GLOBAL PET FOODS: Get 16 Blue Points for every $20 spent in a single transaction.*
- H&M: Get 16 Blue Points for every $20 spent in a single transaction.
- HELLOFRESH: Get 8,000 Bonus Points by using the Blue Rewards link or promo code when ordering their first HelloFresh Meal Kit.
- HILTON: Hilton is a leading global hospitality company… (No specific earn rate listed)
- HP: Get Blue Points by paying with any eligible linked payment card.*
- IHG® HOTELS & RESORTS: Get 16 Blue Points for every $5 spent.*
- KANUK: Get Blue Points by paying with any eligible linked payment card.*
- KERNELS POPCORN: Get Blue Points by paying with any eligible linked payment card.*
- KILNE: Get Blue Points by paying with any eligible linked payment card.*
- KNIX: Get Blue Points by paying with any eligible linked payment card.*
- LANDMARK CINEMAS: Get Blue Points by paying with any eligible linked payment card.*
- LIDS: Get Blue Points by paying with any eligible linked payment card.*
- LIVE EVENTS POWERED BY TFL: Get 16 Blue Points for every $20 you spend (excluding taxes).
- LULULEMON: Get 16 Blue Points for every $20 spent in a single transaction.
- LYFT: Get Blue Points by paying with any eligible linked payment card.*
- MANCHU WOK: Get Blue Points by paying with any eligible linked payment card.*
- MARBLE SLAB CREAMERY: Get Blue Points by paying with any eligible linked payment card.*
- MERIT: Get Blue Points by paying with any eligible linked payment card.*
- MINISO: Get Blue Points by paying with any eligible linked payment card.*
- MOOSE KNUCKLES: Get Blue Points by paying with any eligible linked payment card.*
- MOROCCANOIL: Get Blue Points by paying with any eligible linked payment card.*
- MUCHO BURRITO: Get Blue Points by paying with any eligible linked payment card.*
- NARDINI SPECIALTIES: Get Blue Points by paying with any eligible linked payment card.*
- NARS: Get Blue Points by paying with any eligible linked payment card.*
- NATIONAL CAR: Get 16 Blue Points for every $10 spent.*
- NESTLÉ-PURINA: (No earn rule listed)
- NEWEGG: Get Blue Points by paying with any eligible linked payment card.*
- NOVOTEL: Get Blue Points by paying with any eligible linked payment card.*
- PORTER: (No earn rule listed)
- PRINCESS AUTO: Get Blue Points by paying with any eligible linked payment card.*
- RAFFLES: Get Blue Points by paying with any eligible linked payment card.*
- RIMROCK: Get Blue Points by paying with any eligible linked payment card.*
- SAIL: Get Blue Points by paying with any eligible linked payment card.*
- SHISEIDO: Get Blue Points by paying with any eligible linked payment card.*
- SIMONS: Get Blue Points by paying with any eligible linked payment card.*
- SOFITEL: Get Blue Points by paying with any eligible linked payment card.*
- SUSHI SHOP: Get Blue Points by paying with any eligible linked payment card.*
- TACOTIME: Get Blue Points by paying with any eligible linked payment card.*
- TENTREE: Get Blue Points by paying with any eligible linked payment card.*
- TIMBER MART: Get 16 Blue Points for every $15 spent in a single transaction.*
- VIA RAIL: Get Blue Points by paying with any eligible linked payment card.*
- WINGSUP!: Get Blue Points by paying with any eligible linked payment card.*
2.3 网上购物 Blue Rewards Shops
Blue Rewards 还有自己的网上购物入口 Blue Rewards Shops，玩法与 Aeroplan eStore、Rakuten 这类 Shopping Portal 有些类似。先登录 Blue Rewards Shops，再从网站跳转到 Apple、Amazon、Best Buy、Walmart、Sephora、lululemon、Samsung、eBay、Dyson 等合作网站完成购买，就可以在商户原本的信用卡奖励之外，再获得一层 Blue Points。
每家商户的积分比例不同，而且经常会出现 2x、5x、7x 等限时活动，因此网上购买电子产品、服装或者其他大额商品之前，值得先检查 Blue Rewards Shops。
2.4 Card Offers（店内消费返现）
在 Blue Rewards 账户里添加 BMO Blue Rewards 信用卡（2 个人 + 2 商业）或者 Blue Rewards 支票账号借记卡， 甚至是非 BMO 的 Mastercard 信用卡， 都可以在参与活动的店家 in-store 消费获得 Blue Rewards 积分。
⚠️ 注意： 有的店家需要先注册获得，有的直接使用链接的信用卡结账即可。
2.5 Blue Rewards Travel 平台预定出行
通过 Blue Rewards Travel powered by Expedia 预订机票、酒店和租车，也可以获得积分。
普通 Blue Rewards Member 使用信用卡付款，目前基础规则是每消费 $15 获得 16 Points；如果在同一次预订中组合 Flight、Hotel 或 Car Rental 中的两个项目，则可以获得 48 Points / $15。
2.6 持有 BMO 支票账户
Blue Rewards Chequing Account 的基础赚取比例为 每消费 $2 获得 1 Point，在 Grocery、Gas、EV Charging 和 Wholesale Club 等符合条件类别可以获得 2x Points。
此外，如果账户维持至少 $4,000 的规定余额，每个月可以获得 500 Bonus Points；如果同时持有 BMO Blue Rewards World Elite Mastercard，还可以每个月再获得 500 Bonus Points。
2.7 扫描收据
Blue Rewards App 里面还有一个 Blue Receipts 功能。某些品牌会推出指定商品 Offer，只要在加拿大符合条件的 Grocery Store 购买相应商品，并在购买后规定时间内通过 App 扫描清晰的购物小票，就可能获得额外 Bonus Points。
这种模式并不要求超市本身一定是 Blue Rewards Partner，因此进一步扩大了日常 Grocery 消费赚积分的机会。
如何使用 Blue Rewards 积分
兑换端的设计同样灵活，核心原则是“积分可以覆盖部分或全部费用，无需死磕整笔兑换”。最直接且价值最稳定的方式是在参与门店直接抵扣或兑换电子礼品卡：每1500分抵10加元，电子礼品卡覆盖亚马逊、Apple、Dyson等数百个品牌，门店抵扣则覆盖Pharmasave等合作零售点，每日合计有750加元（约11.25万积分）的上限。这种方式特别适合想快速兑现价值、补贴日常开销的用户。
对常旅客而言，Blue Reward s Travel平台是重点关注对象。这个由Expedia技术支持的预订入口，提供航班、酒店、租车等丰富库存，用户可以用任意数量的积分支付部分或全部行程费用，包括税费，唯一常见排除项是邮轮和部分到店支付费用。兑换没有最低门槛，可以从1分开始抵扣，积分不足时也能轻松混合现金支付。实际价值大约在每点0.63–0.67加分之间，虽然略低于门店/礼品卡的固定比例，但换来的是真正的旅行灵活性——不必为了凑整而额外消费，也不必担心积分被锁定在单一航司或酒店体系里。
| 兑换途径 | 每1,500积分对应价值 | 积分使用灵活性 | 是否支持抵扣旅行税费 |
|---|---|---|---|
| 线下合作商户直接抵扣 | $10 (0.67 cpp) | 极高（日常消费扫码无缝抵扣） | 不适用 |
| 电子礼品卡 (eGift Cards) | $10 (0.67 cpp) | 高（涵盖超400家主流生活品牌） | 不适用 |
| Blue Rewards Travel 旅行门户 | 约 $10 (视Expedia动态定价) | 极高（无最低门槛，支持混合支付） | 是（全面覆盖机票与酒店税费） |
总结
Blue Rewards 最大的亮点在于它把“日常刚需消费”和“旅行兑换”真正打通了。与那些高度依赖高端消费或特定航司酒店的积分计划不同，它在杂货、加油、批发、电动车充电这些几乎人人都有的开支上提供明确加速，同时通过合作伙伴网络把积分获取场景延伸到药房、宠物店、建材、餐厅甚至外卖平台。信用卡与会员卡叠加的“双赚”机制，让同一笔消费能同时获得卡本身的积分和合作伙伴额外积分，这对精打细算的用户非常友好。
积分游戏的核心从来都是“让已有消费产生额外价值”，而不是为了积分而额外消费——把这一点记牢，Blue Rewards就能真正成为你旅行路上的助力。