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BMO AIR MILES®† World Elite®* Mastercard®*

BMO AIR MILES®† World Elite®* Mastercard®*

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Network Provider
BMO Bank of Montreal
Annual fee
$120 Annual fee waived in the first year
Purchase interest rate
Cash advance rate
23.99% 21.99% for Quebec residents
Balance transfer rate
Credit Needed
Excellent (750-900)

Card description

Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year*.

  • Get 3x the Miles for every $12 spent at participating AIR MILES Reward Partners.*
  • Earn 1  reward mile for every $12 in credit card purchases, everywhere you spend*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services 
  • Use your card at Costco*
  • Extended Warranty
  • Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
  • Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
  • BMO AIR MILES World Elite Travel and Medical Protection*
  • BMO Concierge Service*
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada 
  • Minimum 80K individual or 150K household income*

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

  • 24/7 Customer Service
  • Airport Lounge Access
  • Extended Warranty
  • Flight Discounts
  • Purchase Protection
  • Rental Car Discounts
  • Roadside Assistance Program
  • Travel Benefits

About This Card

The BMO AIR MILES World Elite Mastercard is a travel rewards card offered to people with an excellent credit rating (scores of 750 and up). Cardholders earn one Air Mile for every $12 that is charged to the card. The points earned from the card can be used in conjunction with standard Air Mile rewards cards at participating partners.

Right now, BMO has an offer that lets cardholders three times the miles for every $12 spent at participating AIR MILES merchants.

On top of earning Air Miles rewards on all purchases made with the BMO AIR MILES World Elite Mastercard, cardholders can access a variety of complementary services, such as VIP lounges access, flight deals, as well as travel protection and roadside assistance benefits.

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.

To qualify for a BMO AIR MILES World Elite Mastercard, you need to earn an income of at least $80,000 as an individual. Alternatively, you can apply using your household income, which must be at least $150,000. The card has an annual fee of $120 and an interest rate of 20.99% on purchases and 22.99% on cash advances and balance transfers.

Additional cards are available for $50 a year. Enroll a spouse, family member or friend to help you accumulate Air Miles at an even faster rate.


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

Receive 15% off flights - BMO Air Miles World Elite Mastercard cardholders are eligible to save up to 15% on all Air Miles flights within North America, with no blackout periods, meaning you’ll always be able to redeem your travel points, even during peak travel seasons.  

VIP airport lounge access - Cardholders gain exclusive access to VIP airport lounges worldwide with a Priority Pass membership (a value of $150).  

Travel protection and roadside assistance - Cardholders can travel without worry because the BMO Air Miles World Elite Mastercard offers world-class travel and medical protection, as well as roadside assistance.

Shop at Costco - Cardholders can use the BMO AIR MILES World Elite Mastercard at any Costco location. 

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*Terms and conditions apply

Mastercard, once per calendar year when you redeem Reward Miles for any flight booking, you will receive a 25% discount on the number of AIR MILES Reward Miles that are usually required (to a maximum of 750 Reward Miles) when you book through or by calling 1-888-247-6453. The flight booking discount applies to the full flight booking and will be distributed equally on each ticket included in the booking, to a maximum of 750 Miles total. For example, if your booking included three 1,500 Miles flights totalling 4,500 Miles, then each flight would receive a 250 Miles discount, and you’d be required to redeem 3,750 Miles for the booking. Any portion of the maximum 750 allocated discounted Miles unused in the one eligible flight booking transaction will be forfeited. You can choose when to apply the discount – for example, on your first flight booking in the calendar year; or save it to apply on another flight booking later in the year – but it can only be used once per calendar year with no carry-overs allowed to the following year. For greater clarification, the 25% flight booking discount resets every calendar year and cannot be accumulated over the years. This benefit can only be reset for the collector to use in the same calendar year if the original booking where the benefit was used is cancelled under all of the following conditions: (i) the booking was cancelled in full (not for partial cancellations; i.e., one ticket), (ii) the cancellation happens within the same year of booking, and (iii) the airline issues a full refund for the booking. This benefit does not apply to Cash + Miles rewards. There are no blackout periods for flight redemptions. This benefit does not apply to the cash portion of the flight redemption (such as airport improvement fees and booking fees) or to the flight component of package vacations and cruises. This benefit cannot be combined with any other offer. Flight rewards offered are subject to the terms and conditions of the AIR MILES Reward Program, are subject to change, and may be withdrawn without notice. To use your Miles for flight rewards, you must have accumulated sufficient Dream Miles in your collector account. Some restrictions apply. Collectors must pay applicable surcharges, fees and taxes on flight rewards. Flight rewards may be subject to a minimum advance booking and availability from participating airlines. Changes, cancellations and refunds to flight tickets will follow the fare rules of the booking airline and may be subject to additional fees. For complete details, see current Program Terms and Conditions available at

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