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Card Details
Interest Rates
Purchase: 21.99%
Cash Advance: 23.99%□
Balance Transfer: 23.99%□
□ Quebec rates: Cash advance 21.99, Balance transfer 21.99%
Annual Fees
Main Card: $120
$0
First Year Rebated
Additional Cards: $50
Welcome Bonus
Get up to $1,000 in value including up to 7,000 AIR MILES Bonus Miles and no annual fee in your first year.* Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Card Type
Credit
Our Rating
3.7/5
Voted Best Air Miles Credit Card in 2025
Institution
BMO
How You Earn Rewards
- 3x Miles points per $12 spent at participating AIR MILES Partners
- 2x Miles points per $12 spent on eligible grocery, liquor and wholesale store purchases
- 1x Mile point per $12 spent on all other eligible purchases
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
double up to 1 year
Trip Cancellation
$1.5K/person, $5K/trip
Trip Interruption
$1.5K/person, $10K/trip
Travel Medical Insurance
$5M up 15 days/person
Common Carrier Travel Accident Insurance
$500,000/person
Flight Delay
$500Baggage Delay
$500/person, $1K/trip
Lost or Stolen Baggage
$500/person, $1K/trip
Hotel Burglary Insurance
$1,000.svg)
Car Rental Damage & Theft
$65,000 up to 48 days
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - complimentary visits not included
Car Rental Discount
20% off base rate of participating National Car Rental and Alamo Rent a Car and up to 5% on Enterprise Rent-A-Car
Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookingsDiscount
Annual 25% discount on one worldwide AIR MILES flight redemption.svg)
Status lift
Automatic Air Miles Onyx statusDiscount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Pros & Cons
Pros
- Increased rewards: Earn 1 mile per $12 spent, tripled when shopping at participating Air Miles partners and doubled at eligible grocery, liquor, and wholesale stores.
- Travel perks: Includes a 25% discount on one Air Miles reward flight booking per year.
- Air Miles Onyx status: Automatic Air Miles Onyx status with exclusive benefits.
- Comprehensive insurance: 14 types of insurance coverage, including travel, trip cancellation, and rental car insurance.
- First-year fee waived: Try the card for free in the first year.
Cons
- High income requirements: Requires $80,000 personal or $150,000 household income, making it inaccessible for many.
- Lower rewards compared to other premium cards: While it offers good Air Miles rewards, other cards may provide more flexible or higher rewards.
Legal
*Terms and conditions apply.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.