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BMO rebates typically have a longer processing time compared to other financial institutions. We recommend saving your application reference number after applying for future reference.
ℹ️ Note: If your application reference number ends in "A" or "W", please file a ticket for us after your approval.
This timeline is entirely determined by BMO's internal processes. BMO independently manages their verification process and only sends approval confirmations to us once per month (around the 15th). We have no ability to expedite this process.
Once we receive confirmation from BMO, we promptly process your rebate 10 days. Without your reference number, BMO may not be able to locate your application in their system if it's missing from their report, which is outside our control.
Haven't received your rebate within 30 days of card approval?
File a Ticket** Terms and conditions apply.
Card Type | Credit |
Reward Type | Points |
Our Rating | 3.2/5 |
Institution | BMO |
Loyalty Program |
Annual Fee | $0 |
Additional Card Fee | $0 |
Interest Rates | Purchase: 21.99%* Cash Advance: 23.99%*□ Balance Transfer: 23.99%*□ □ Quebec rates: Cash advance 21.99%, Balance transfer 21.99% |
Credit Score Estimate | Good |
Annual Income | Personal: N/A Household: N/A |
Welcome Bonus | Get 1,200 AIR MILES Bonus Miles* + 0.99% rate on Balance Transfers for 9 months |
Description | 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. |
Posting Time
30-45 days from application submission
Locking Time
45 days from application approval
Application Submitted
You submit your application
Pending Verification
BMO determines your eligibility
Expected: 30 daysFinal Approval
Rebate is approved
Expected: 15 daysDon't switch devices
Making sure to complete the process in one go without switching devices will help to avoid unforeseen tracking issues.
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Read eligibility criteria
It's generally recommended to read and understand the eligibility criteria before you apply for a financial product.
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*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.