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BMO AIR MILES® Mastercard®* Review
The Bottom Line
The BMO Air Miles Mastercard is an excellent option for those looking to collect Air Miles without paying an annual fee. With bonus earning opportunities at Air Miles partners and grocery stores, this card is ideal for regular Air Miles collectors. It also offers perks like fuel savings at Shell and a competitive balance transfer rate, making it a versatile card for everyday purchases. However, its limited rewards outside of partner stores may not make it the best fit for those who don't frequently shop at Air Miles-affiliated retailers.
Our choice for: No fee AIR MILES card
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on BMO's website
Welcome Bonus
Get 1,200 AIR MILES Bonus Miles* + 0.99% rate on Balance Transfers for 9 months
Rewards Rate
1x - 3x Miles
Points
Annual Fee
$0
Interest Rates
21.99%* / 23.99%*□
Rewards
- 3x Miles points per $25 spent at participating AIR MILES Partners
- 2x Miles points per $25 spent on eligible grocery purchases
- 1x Mile point per $25 spent on all other eligible purchases
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookingsDiscount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collector
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-CarDiscount
Get 20% off admission to Cirque du Soleil shows touring Canada, and 15% off resident shows in Las Vegas
Eligibility
Credit Score
GoodAnnual Income
N/A
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Card Details
Interest Rates
Purchase APR
21.99%*
Cash Advance APR
23.99%*□
Balance Transfer APR
23.99%*□
Promotional Balance Transfer Rate
Promotional Rate
0.99%*
Promotional Period
9 months*
□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%
* Terms and conditions apply. Each balance transfer is subject to a fee of 2% which will be charged to your account on the date the balance transfer is posted to your Account.
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Type
Pros & Cons
Pros
- No annual fee: The card is free to hold, making it a cost-effective way to collect Air Miles.
- Bonus miles at partners: Earn 3x the miles at Air Miles partners and 2x the miles at grocery, liquor, and wholesale stores.
- Fuel savings: Save up to 7 cents per litre at Shell stations, with the potential to save up to $100 annually.
- Balance transfer offer: 0.99% promotional interest rate on balance transfers for the first 9 months.
Cons
- Low base earn rate: Earn only 1 Air Mile per $25 spent on all non-bonus purchases.
- Limited insurance: The card only offers basic insurance, such as extended warranty and purchase protection.
- Limited value outside Air Miles partners: Rewards earning potential is higher at participating partners, but significantly lower for general spending.
Get personalized rewards estimates — see exactly how much you could earn.
BMO AIR MILES® Mastercard®* Points Calculator
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on BMO's website