Best for no-fee grocery cash back
Earn: 3% on groceries; 1% recurring bills (each up to $500/statement); 0.5% on everything else
Offer details: Up to 5% cash back in first 3 months (up to $125 on $2,500); apply by Oct 31, 2027
Best for no-fee points on essentials
Earn: 5 points per $2 on recurring bills, groceries, dining and takeout; 1 point per $2 on everything else
Best for no-fee partner points
Earn: 5 points per $1 at Blue Rewards partners; 1 per $1 on groceries, gas, EV, wholesale and alcohol; 0.5 per $1 on everything else
Offer details: 20,000 points after $1,500 in 110 days; apply by Oct 31, 2027
Offers checked weekly. Last checked Oct 4, 2026. Always confirm the current offer on BMO's site before applying.