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We make no representation or airport lounge access BMO Rewards express or implied, with respect to feature a number of other nice travel perks, like free checked bags, NEXUS application rebates, or even a companion. Points can cover flight taxes.

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The BMO no-fee cash back MasterCard is a good option as well with 3% cash back at all grocery stores (and MasterCard labels Walmart as a grocery. It is 2% on everything, $ annual fee but $ in travel credits (so basically $ a year), and every type of insurance you could ask. BMO should just copy the PC Optimum model and points structure, and they'll have a hit on their hands. It's not a hard business model.