Offer

Welcome offer: Get 1,600 AIR MILES Bonus Miles!* That’s enough for $160 towards purchases with AIR MILES Cash.*

Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*

Earn over 10x faster than other AIR MILES collectors:

3x the Miles for every $25 spent at participating AIR MILES Reward Partners;
2x miles per $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!
Enjoy three months of Instacart+ membership and a monthly $5 Instacart credit when you sign up with your eligible BMO credit card*
Free extended warranty and purchase insurance*
Zero liability protection*
No annual fee*

Fees & Conditions

Personal Income

Household Income

Annual Fee $0

First Additional Card $0

Foreign Transaction Fee 2.5%

Value

Calculate the rewards

Your Monthly Spending

Groceries

GAS / TRANSPORT

DINING

TRAVEL

BILLS

OTHER

Welcome Bonus

0 $

Annual Credit

Travel benefits

VIP Lounges

First year offer value

Rewards Earned

Annual fee

Net value

How we value points and benefits.

Advantages

Offer ends on Jun 1, 2026

Welcome Bonus amount Up to 1,600 miles

Minimum Spending Required $1,500

Minimum Spending Timeframe (Months) 4 month(s)

Costco

Earnings

Per dollar of purchases

All Spending 0.04 mile

Groceries 0.04 mile

Gas 0.04 mile

Dining and Food delivery 0.04 mile

Convenience Stores 0.04 mile

Drugstores 0.04 mile

Local Transport 0.04 mile

Travel 0.04 mile

Entertainment 0.04 mile

Recurring Payments 0.04 mile

Telecom/Internet 0.04 mile

Streaming services 0.04 mile

Online transactions 0.04 mile

Office Supplies 0.04 mile

Insurance

Travel Insurance

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

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

Extended Warranty

1 year

Purchase Protection

90 day(s)

Mobile Device Insurance

Price Protection

Insurance Document

Our review

With this exclusive offer for the BMO AIR MILES Mastercard, you get 1,600 AIR MILES after $1,500 in purchases within the first 110 days of account opening. This credit card has no annual fee.

Plus, get a 0.99% introductory interest rate on balance transfers for nine months.

With the BMO AIR MILES Mastercard, you earn 3X miles for every $25 spent at participating AIR MILES Partners.

Plus, you’ll earn 2X miles for every $25 spent 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.

Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.

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