BMO AIR MILES®† Mastercard®*

BMO AIR MILES®† Mastercard®*

The best no-fee AIR MILES credit card in Canada. Earn AIR MILES Reward Miles and get insurance on your purchases.

Take advantage of this limited-time welcome offer!

Welcome Bonus

1,500 miles



Best For

Annual Fee


Purchase Rates

19.99 %

Cash Advance Rates

22.99 %

Balance Transfer Rates

19.99 %


  • Limited time offer: Get 1,500 AIR MILES Bonus Miles!*
  • That’s enough for $150 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*
  • Purchase Protection and Extended Warranty*
  • Zero Liability Protection
  • No annual fee*.

Fees & Conditions

Personal Income $15,000
Household Income 0
Foreign Transaction Fee 2.5%
Purchase Rates 19.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 19.99%
Cash Advance Rate (QC) 21.99%
Balance Transfer
Balance Transfer Intro Duration 9
Balance Transfer - Promotional Rate 1.99%


Welcome Bonus 1,500 miles
Minimum Spending Required $1,000
Minimum Spending Timeframe 90 day(s)
Rewards Type Travel points
Transfer Partners AIR MILES
Loyalty Program AIR MILES
All Spending 0.04
Online transactions 0.04
AIR MILES partners 0.12
Air Canada 0.04
Streaming services 0.04



We estimate the value of the welcome offer during the first year for all the credit card offers. Are taken into consideration:

  • The value of cash back or points earned
  • The value of the benefits or credits earned with the Card
  • The annual fee value (offered or not)


Calculation of the offer value
in the first year
Value per point 10.5 ¢
Welcome bonus $158
Annual fee $0
Value ≈ $158



Purchase Protection - Amount $60,000
Purchase Protection - Duration 90 day(s)
Extended Warranty
Extended Warranty - Duration 1 year(s)
Insurance Document Learn More
4 Milesopedia Rating