BMO AIR MILES® Mastercard®* vs BMO AIR MILES® World Elite®* Mastercard®*: Which one is better?

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.

3,000 bonus Air Miles after spending at least $4,500 in net eligible purchases within the first 110 days after account open. 2,000 bonus Air Miles after spending at least $10,000 in net eligible purchases within the first 180 days after account open. 2,000 bonus Air Miles after spending at least $20,000 in net eligible purchases within the first 360 days after account open

¹ 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.

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.

The BMO Air Miles World Elite Mastercard is ideal for frequent Air Miles collectors looking for premium travel benefits and a strong rewards rate. With up to 2,000 bonus miles, a 25% annual flight discount, and automatic Onyx status, this card offers substantial value for those who frequently shop at Air Miles partners and travel often. Its comprehensive insurance coverage and first-year fee waiver also add to its appeal, though the high income requirement may limit its accessibility.