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BMO AIR MILES® Mastercard®
Credit cards

BMO AIR MILES® Mastercard®

Updated 01.12.2022

About BMO AIR MILES® Mastercard®

A BMO AIR MILES® Mastercard® is a no-fee credit card bringing you AIR MILES Cash Rewards for your everyday purchases. Being an affordable credit solution, a BMO AIR MILES® Mastercard® doesn’t feature exclusive privileges from Mastercard or extensive insurance coverage.

Welcome offers for new BMO AIR MILES® Mastercard® applicants can bring you extra AIR MILES® Reward Miles for spending certain amounts within a given period and lowered interest rates on balance transfers for a limited period.

BMO AIR MILES® Mastercard® features

A BMO AIR MILES® Mastercard® credit card provides a 20.99% interest rate on purchases and 22.99% on cash advances (21.99% for Quebec residents). Welcome offers for new applicants may provide you with a lowered interest rate on balance transfers for the first several months.

There is no annual fee for a BMO AIR MILES® Mastercard® credit card.

With limited-time offers, you can earn bonus AIR MILES® Reward Miles for spending certain amounts with your BMO AIR MILES® Mastercard®  within a specific period. 

Along with introductory bonus rewards, you can earn regular AIR MILES® Reward Miles for everyday purchases made with your BMO AIR MILES® Mastercard® credit card. That is, every $25 spent at participating AIR MILES Partners will bring you 3x AIR MILES® Reward Miles. Every $25 spent at eligible grocery stores up to $500 in net purchases posted to your account per statement cycle period will bring you 2x AIR MILES® Reward Miles. Once you reach the $500 threshold, purchases in this category won’t bring you Miles anymore.

For purchases made with your BMO AIR MILES® Mastercard® credit card at select AIR MILES Partners, you can earn Miles twice.

Other eligible purchases will bring you 1 Reward Mile for every $25 spent with your BMO AIR MILES® Mastercard® credit card.

AIR MILES Reward Program provides a range of redemption opportunities for your AIR MILES® Reward Miles, including:

  • Paying with your Miles for purchases at participating Cash Reward Partners

  • Booking flights, hotels, cruises, vacation packages, and car rentals

  • Redeeming your Miles for experiences and entertainment purchases

BMO AIR MILES® Mastercard® cardholders can get discounts at BMO’s partner merchants, including:

  • Up to 25% discounts for car rentals at National Car Rental and Alamo Rent a Car

  • Discounts for admission to Cirque du Soleil shows in Canada and Las Vegas

Insurance coverages included in a BMO AIR MILES® Mastercard® credit card are up to 90-day purchase protection and extended warranty coverage, extending the original manufacturer’s warranty by up to 1 year.

Pros and cons

The key benefits of a BMO AIR MILES® Mastercard® are:

  • A zero annual fee

  • Participation in the AIR MILES Reward Program

  • Benefits and discounts from BMO’s partners

  • No yearly minimum income requirements to apply

  • Contactless payment through digital wallets

  • Credit card protection capabilities (the Mastercard Zero Liability Protection policy and ID Theft Protection™)

Still, there are certain drawbacks of a BMO AIR MILES® Mastercard® credit card:

  • Few insurance coverages included

  • The lack of exclusive benefits from Mastercard

How to apply for a BMO AIR MILES® Mastercard®

BMO accepts applications for a BMO AIR MILES® Mastercard® credit card online. To apply for it online hit the “Apply now” button on the credit card description page and specify if you already have a BMO credit card and if you have a Canadian address. Then, proceed with an online application form and provide the following details:

  • Your first name

  • Your middle name (optional)

  • Your last name

  • Your date of birth

  • Your phone number

  • Your address

  • Your housing status

  • Your monthly payment

  • Month and year since you live there

  • Your social insurance number (optional)

  • Your employment status

  • Your occupation category

  • Your position

  • The company name

  • Month and year since you work there

  • Work phone number

  • Your sources of income

  • Whether you want to add another cardholder

  • Whether you want to add Optional BMO Credit Card Balance Protection Enhanced

Once you’ve filled out the required fields, review the summary of your application, agree to the terms and conditions, and click “Confirm & apply” to complete your application.

Applying for a BMO AIR MILES® Mastercard® credit card involves no minimum annual income requirements.

How do I keep track of the AIR MILES® Reward Miles I’ve earned?

You can see the amount of AIR MILES® Reward Miles you’ve earned on your monthly credit card statement, on your AIR MILES Collector Summary statement, in your BMO Online banking account, via the BMO Mobile banking app, or on airmiles.ca.
Will purchases made by authorized credit card users also earn AIR MILES® Reward Miles?Purchases made by additional BMO AIR MILES® Mastercard® cardholders will bring you additional AIR MILES® Reward Miles, so adding authorized users to your credit card account will help you earn Miles faster.
How do I set up pre-authorized payments on my BMO credit card?

To avoid late credit card payments, you can set up pre-authorized monthly payments from your BMO account or an account at any other Canadian bank in any of the following ways:

  • By calling BMO at 1-800-263-2263

  • Through BMO Online banking

  • By mail

  • In person at your local BMO branch

Rate
i

Effective interest rate on the product

20.99% - 22.99%

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