Just finally straightened out my BMO points . Great deal with the $300 signup BUT try and redeem. OMG. To book a cruise ,you must call in ( and be told there is a 20 minute wait....maybe call back? nice.) .And for this I was told a $30 fee per person . And that was even though BMO could NOT do the booking. Just for trying ,I guess. So they dropped the ball on transferring the cruise from Royal Caribbean and left me a message saying "....another time you'll be able to use your points.....on a future booking". Excuse me? So after much talk on social media someone with POWER called and fixed the problem and informed me there was NOT ever supposed to be a $30 booking fee for cruises.ESPECIALLY if the booking was not completed. I had 3 employees tell me that I must pay the fee prior to this. Good luck.