Points Program a Joke - Attempted to use Points for Travel -- Way too many restrictions. Want to charge me $100 per ticket to make a change one day earlier same flight when the actual cost of the flight was reduced by $200 dollars from the time I purchased until now. No cancelations allowed? Also, booked a direct flight and now they changed it to connecting without notification or anything. In general, I have been a member for over 30 years -- used to be the best travel card out there...now is a complete joke with crappy web pages and apps that send you in circles. Will exhaust my points and cancel card which might hurt my credit, but, not worth the frustration. BMO is terrible -- forgot to mention that it never fails when I try and use the card at a restaurant the card gets declined -- fraud detection apparently. Declined more than accepted so I just stopped using it.
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