I don't have that credit card but I have been researching then recently. A Toronto Star led me to Rewards Canada's 2012 credit card review. http://www.rewardscanada.ca/topcc2012/index.html The BMO card is #4 of the travel cards with fees. After reviewing the cards we decided to go with the Scotia Momentum Visa Infinite cash back credit card because we didn't think working around the conditions on any of the travel cards would be practical for us
We have the BMO cash back Mastercard..suites us best as you get cash back (Credit on your Mastercard) each year and don't have to mess with Points. And there is no annual fee.
The amount we get back pays for our Annual Travel Policy we have added to to our account.