Now the BMO offer is publicly advertised everywhere - RFD, SmartCanucks, BoardingArea, etc.... when it's a very YMMV/targeted (?) offer

It'll be fun to see how this unfolds... $400 credit + 3 years free is probably the biggest offer we have seen in recent years (if one excludes AMEX's 25K value calculation as it could value from $250 to $500+)