I would hold back off using any BMO credit cards for points right now. They have a new travel system and it has been a disaster. For instance, I used my points on their website for a value of almost $2000. However, the booking didn’t grab the points and after waiting over 3 hours to speak to someone, they said they had to do it manually. I thought it would take a few weeks at most but it seems that this is a very common issue for them right now and it takes about 3 months to get your money back. Basically, i’m set back $2000 for a couple of months. Their supervisor on the phone tried to make me feel better by telling me that I wasn’t the only one and alot of people are facing this issue. He proudly told me that people from April are now resolved and they’re working through cases from May now. When I signed up for this card many years ago, 100 points were worth a dollar, then it became 140 and now it is 150. The entire program has been devalued massively. The extreme difficulty in resolving an issue with your points together with how regularly it seems to be happening makes this one of the worst cards I’ve ever owned. It’s no point having perks you have to painfully jump through hoops to use. Me and my partner will be cancelling all our BMO products after this. I recommend other credit card companies where you are not tied to a bad redemption system. Also, the fact that BMO credit cards ad BMO rewards don’t work together is a huge issue since the bank can’t do much to help resolve your issue. Strongly recommend everyone stay away from BMO credit cards for this reason.

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