Best AIR MILES Credit Cards – April 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, earn up to 7,000 bonus AIR MILES:

  • 3,000 miles after $4,500 in purchases in the first 110 days
  • 2,000 additional miles after $10,000 in total purchases (including the $4,500 from the previous condition) within 180 days
  • 2,000 additional miles after $20,000 in total purchases (including all expenses under the previous conditions) in the first year

What’s more, you pay no annual fee for the first year. This is the highest offer ever seen for this card! Plus, save up to 32¢/L at Shell for a limited time only!

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 fuel 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

BMO AIR MILES®† Mastercard®*

With this exclusive offer for the BMO AIR MILES Mastercard, earn 1,600 AIR MILES miles after $1,500 in purchases within the first 110 days of account opening. That’s a $160 cash value. Plus, save up to 32¢/L at Shell for a limited time only!

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.

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 a welcome bonus of 3,000 AIR MILES 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® 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® 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. For the latest information, please click on the Apply now link.

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 %
    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 $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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