Loyalty Program: AIR MILES

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*.
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*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 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    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
  • 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 20.99 %
  • 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

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