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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%
Promotional Rates
Balance Transfer: 0.99%*
Promotional Period: 9 months*
* 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.
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
- Get 1,200 AIR MILES Bonus Miles when you spend $1,500 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit, or debit adjustments) in the first 110 days from the Credit Card open date. Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred*.
- This offer ends on June 1, 2026.
Our Rating
3.2/5
Institution
BMO
How You Earn 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
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
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
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.
Legal
*Terms and conditions apply.
BMO AIR MILES Mastercard applications must be received between March 24, 2025 and June 1, 2026 (the “Offer Period”). 1,200 AIR MILES Bonus Miles offer is limited to new accounts. Existing BMO AIR MILES Mastercard customers who cancel their card during the Offer Period, and existing BMO Mastercard customers who transfer into this product during the Offer Period are not eligible.
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.
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.