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BMO AIR MILES®† Mastercard®*

BMO AIR MILES®† Mastercard®*

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Network Provider
BMO Bank of Montreal
Balance Transfer
No Fee
Annual fee
Purchase interest rate
Cash advance rate
22.99% 21.99% for Quebec residents
Balance transfer rate
1.99% 22.99% after 9 months
Credit Needed
Good (650-749)

Card description

Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash*

  • Get a 1.99% introductory interest rate on balance transfers for 9 months*
    • 1% fee applies to balance amounts transferred*
  • Get 3x the Miles for every $25 spent at participating AIR MILES Partners*
  • Get 1 Mile for every $25 spent everywhere else*
  • Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both*
  • No annual fee*
  • Receive a discount on car rentals*
  • Extended Warranty*
  • Purchase Protection*

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.

*Terms and conditions apply

Card Features

  • Air Miles Rewards
  • Extended Warranty
  • Purchase Protection
  • Rental Car Discounts
  • Travel Benefits

About This Card

The BMO AIR MILES®† Mastercard®* is a travel rewards card that lets cardholders take advantage of valuable offers and quickly collect Air Miles. It is typically available to individuals with a good credit score (650 or greater).

Choosing the BMO AIR MILES®† Mastercard®* makes sense for anyone who plans to use the card right after signing up. That's because new cardholders can earn Air Miles points pretty quickly.

The ordinary earning rate for Air Miles rewards is one mile for every $25 spent on the card. With the BMO AIR MILES®† Mastercard®*, however, cardholders can also earn 3 times the points when they use it at Air Miles participating sponsor locations along with their regular Air Miles card. Points can eventually be redeemed for free flights or merchandise.

Use any BMO AIR MILES credit card with your AIR MILES Card when you shop at Sobeys, Safeway, Foodland & Participating Co-op’s, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry.

The BMO AIR MILES®† Mastercard®* also lets you transfer a preexisting balance onto the card and pay just 1.99% in interest for the first 9 months of card ownership. If you think you might want to take advantage of this offer, keep in mind that there's a fee to transfer a balance: 1% of the total.

The interest rates on the BMO AIR MILES®† Mastercard®* are average in the credit card marketplace. It has a 19.99% purchase interest rate and a 22.99% cash advance rate.

Why get the BMO AIR MILES®† Mastercard®*?

Rental car discounts Anytime you use the card to rent at one of the participating National Car Rental or Alamo Rent A Car locations, you'll get a discount on your transaction.

Consumer protectionThe credit card comes with both an extended warranty (doubles it up to a maximum of one year) and purchase protection (automatically insures items bought with the card against theft or damage for 90 days from date of purchase).

Strong securityThis card takes a number of measures to ensure that you, as a cardholder, are protected from fraudulent activity. It is embedded with a PIN-protected microchip, a Mastercard SecureCode, and a zero liability policy for unauthorized use.

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January 8
fast and easy
fast and easy
moira fortin
November 4
It was a good experience
It was a good experience
October 26
Easy to use
Easy to use, easy to find the result that you're looking for! 5 star coverage!
October 15
Great service and very helpful :) would…
Great service and very helpful :) would definitely recommend
Emily Peacock
October 14
It's great
It's great, found the best rates.
Chirath Ranaweera
October 14
Fast and pleasant experience
Fast and pleasant experience. Saved a lot of money too!
October 14
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Fast response
October 13
From the online process to the first…
From the online process to the first contact speaking to a rep it’s was a good...
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October 13
A very pleasant contact
A very pleasant contact, without rep talking over my head., It was very infor...
Margaret Markson
September 30 is the best out there is the best out there. They are fast efficient and gets job done...
Maria M. T.
August 31
very quick and reliable rates
very quick and reliable rates
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August 12
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I can’t believe how quickly I am getting email responses. Very happy with this...
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Awesome 👍😎
Awesome 👍😎
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July 1
excellent service
excellent service
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June 22
Highly recommended
Excellent customer service. Was very patient and answer my customers toughly. Fo...
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