Best AIR MILES Credit Cards – February 2025

Discover the top AIR MILES credit cards that maximize your rewards potential. Compare features, benefits, and earning rates to find the perfect card for your lifestyle. Unlock travel opportunities and exclusive offers with our comprehensive guide.

Best AIR MILES Credit Cards

Here is the list of the best AIR MILES credit cards in Canada.

In the table below, you will find a summary of the best AIR MILES credit card offers. For more details, read on or click on the name of a card.

BMO AIR MILES World Elite Mastercard

With this exclusive offer for the BMO AIR MILES World Elite Mastercard, you earn 3,000 miles after $3,000 in purchases in the first three months.

What’s more, there are no annual fees for the first year!

With this card, you earn 3 miles for every $12 spent at participating AIR MILES Partners. Then, earn 2 miles for every $12 in purchases at any eligible grocery store and wholesale club (warehouse like Costco) or alcohol retailer (SAQ, LCBO, etc.). Everywhere else, you’ll earn 1 AIR MILES mile for every $12 in purchases, including Walmart.

What’s more, it’s the only AIR MILES credit card in Canada to offer a 25% discount on AIR MILES flights to any destination during the calendar year.

The BMO® AIR MILES® World Elite®* Mastercard®* card also offers:

  • 7 ¢/L discount on Shell V-Power gasoline and 2 ¢/L discount on all other Shell fuels
  • Excellent insurance for your travels and purchases
  • 2X miles for car rentals with National or Alamo
  • 3X miles at participating AIR MILES partners
  • Premium Insurance
  • Accepted at Costco
Learn More
Best AIR MILES Credit Card in 2024

Welcome Offer: Get 3,000 bonus AIR MILES! That’s enough to get $310 off your purchases using AIR MILES Cash Miles.

  • Collect miles more than 10x faster than other AIR MILES* Collectors:
    • 3x the Miles for every $12 spent at participating AIR MILES Reward Partners
    • 2x the Miles for every $12 spent at any eligible grocery store*.
    • 2x the Miles for every $12 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers*
    • Plus, 1 Mile for every $12 that you spend with your credit card everywhere else*
  • Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
  • Get 7¢/L off Shell V-Power premium fuel and 2¢/L off all other Shell fuels every time you fill up.
  • Use fewer miles with our exclusive 25% discount on an AIR MILES flight to any destination during the calendar year*.
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Store, eat and relax with our partners to receive offers when you travel and make purchases with your BMO World Elite Mastercard outside Canada.
Legal

*Conditions apply.

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

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • AIR MILES partners0.25mile
  • All Spending0.08mile
  • Groceries0.08mile
Value
  • Year 1 $686
  • Year 2+ $101
Best For
Transfer Partners
  • AIR MILES

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000

BMO AIR MILES®† Mastercard®*

With this exclusive offer for the BMO AIR MILES Mastercard, you earn 1,500 AIR MILES miles after $1,000 in purchases in the first three months. That’s a cash value of $150.

This credit card has no annual fee.

With the BMO® AIR MILES® Mastercard®*, you get 3x the Miles for every $25 spent at participating AIR MILES Partners.

Plus, you earn 2X miles for every $25 you spend at any eligible grocery store, wholesale club (warehouse like Costco) and liquor retailer*.

For everything else, you earn 1 AIR MILES for every $25 in purchases.

  • No annual fee
  • Purchase Insurance
  • Accepted at Costco
Learn More

Welcome offer: Get 1,500 bonus AIR MILES! That’s enough to get $150 off your purchases using AIR MILES Cash Miles.

  • Collect miles more than 10x faster than other AIR MILES* Collectors:
    • 3x the Miles for every $25 spent at participating AIR MILES Reward Partners.
    • 2x the Miles for every $25 spent at any eligible grocery store.
    • 2x the Miles for every $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers.
    • Plus, 1 Mile for every $25 that you spend with your credit card everywhere else.
  • Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
  • Get 7¢/L off Shell V-Power premium fuel and 2¢/L off all other Shell fuels every time you fill up.
  • Purchase Protection and Extended Warranty*
  • Zero Liability Protection
  • No annual fee*.
Legal

*Terms and Conditions apply.

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

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $15,000
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • AIR MILES partners0.12mile
  • All Spending0.04mile
  • Groceries0.04mile
Value
  • Year 1 $283
  • Year 2+ $110
Best For
Transfer Partners
  • AIR MILES

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

BMO AIR MILES World Elite Business Mastercard

The BMO AIR MILES® World Elite Business Mastercard particularly rewards AIR MILES collectors who wish to separate their personal and business spending.

You can earn 3,000 AIR MILES Bonus Miles in your first year! In addition, there is no annual fee for the first year.

You earn 4x the Miles when you use your card at participating AIR MILES Partners. And 1 Mile for every $12 you spend everywhere else, including Costco.

With the BMO AIR MILES®† World Elite®* Business Mastercard, you benefit from various travel protections:

  • Collision Damage Waiver
  • Car Rental Personal Effects & Business Property
  • Car Rental Accidental Death & Dismemberment
  • Baggage & Personal Effects
  • Baggage insurance in case of delay
  • Flight Cancellation
  • Trip Interruption/Trip Delay
  • Flight delay
  • Common Carrier Insurance

And for your purchases:

  • Extended Warranty
  • Purchase Protection
BMO AM World Elite Business Mastercard RGB Fre-for online
Business Card
  • 4X miles at participating AIR MILES partners
  • Virtual health care offered by Maple
  • Accepted at Costco
Learn More
  • Welcome Offer: Get 3,000 AIR MILES Bonus Miles when you spend a minimum of $5,000 in the first three months.
  • Plus, we’ll waive the $149 annual fee for a year.*
  • Get 4x the Miles when you use your card at participating AIR MILES partners
  • Get 1 Mile for every $12 you spend*
  • Get up to 7 cents off per litre on all Shell®± fuel*
  • You can now use your BMO Mastercard at Costco stores across Canada
  • Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*
  • 25 payment grace days*
  • Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
Legal

*Terms and conditions apply

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

Annual Fee
  • Primary card $149
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 23.99 %
  • Balance Transfer Rates 23.99 %
Earning Rate
  • AIR MILES partners0.33mile
  • All Spending0.08mile
  • Groceries0.08mile
Value
  • Year 1 $715
  • Year 2+ $72
Best For
Transfer Partners
  • AIR MILES

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000

BMO® AIR MILES® No-Fee Business® Mastercard®*

The BMO® AIR MILES® No-Fee Business Mastercard®* is the only AIR MILES Mastercard for Business credit card with no annual fee.

For a limited time, you can earn 1,000 AIR MILES Bonus Miles!

You earn 1 AIR MILES Reward Mile on every $20 you spend, including at Costco. And 1.25X the Miles at Shell.

BMO AM Business Mastercard RGB Fre – for online
Business Card
  • No annual fee
  • Free Supplementary Cards
  • Accepted at Costco
Learn More
  • Welcome Offer: Get 1,000 AIR MILES Bonus Miles – That’s enough for over $100 towards your purchases with AIR MILES Cash!*
  • Use any BMO AIR MILES credit card with your AIR MILES Collector Card when you pay for gas or shop in store.*
  • Earn 1 AIR MILES Reward Mile on every $20 you spend*
  • Plus – earn 1.25X the Miles for every $20 you spend at participating Shell stations*
  • Get up to 7 cents off per litre on all Shell®± fuel*
  • You can now use your BMO Mastercard at Costco stores across Canada

 

Legal

*Terms and conditions apply

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

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 23.99 %
  • Balance Transfer Rates 23.99 %
Earning Rate
  • All Spending0.05mile
  • Groceries0.05mile
  • Gas0.05mile
Value
  • Year 1 $253
  • Year 2+ $138
Best For
Transfer Partners
  • AIR MILES

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

BMO® AIR MILES® Mastercard®* For Students

With this offer for the BMO® AIR MILES® Mastercard® for Students, you earn 800 AIR MILES miles after $1,000 in purchases. Besides, it’s a no-annual-fee credit card.

With this Card, you earn 3X miles for every $25 in purchases at participating AIR MILES Partners. And 1 mile for every $25 you spend, Costco included.

  • The best AIR MILES credit card for students
  • Get 800 AIR MILES Bonus Miles!*
  • That’s enough for $80 towards purchases with AIR MILES Cash*
  • Get AIR MILES bonus miles back every time you spend, plus start building a healthy credit history
  • Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store*.
  • Get 1 Mile for every $25 spent everywhere else*
  • No annual fee*.

 

Legal

*Terms and conditions apply

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

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 23.99 %
  • Balance Transfer Rates 23.99 %
Earning Rate
  • AIR MILES partners0.12mile
  • All Spending0.04mile
  • Groceries0.04mile
Value
  • Year 1 $202
  • Year 2+ $110
Best For
Transfer Partners
  • AIR MILES

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Frequently Asked Questions about AIR MILES Credit Cards

Here are some frequently asked questions in the milesopedia community about AIR MILES credit cards in Canada.

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