This is a great card by itself. The reward is decent, the included insurance is great, membership with Priority Pass plus free passes are awesome. The annual fee is a bit pricey, but as a BMO bank customer, I receive rebate towards this annual fee.
The biggest problem I have with this card is with BMO Rewards website, especially with their price match policy. They only do price match with some specific travel providers, such as Air Canada Vacations, Sunwing, etc... They do NOT price match with Expedia or some other travel agencies. Even when they do price match, they will then charge $30 plus taxes booking fee.
Another problem is how you redeem the points. Unlike some other travel credit cards, such as Scotia AMEX gold, the points cannot be redeemed as statement credits against your previous travel expenses. Instead, they can only be used when making a new booking.