Card Features
- Welcome offer: Get 1,200 AIR MILES Bonus Miles!* That’s enough for $120 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 Miles over 10x faster than other AIR MILES collectors.*
- Get 3x the Miles for every $25 spent at participating AIR MILES Partners. Get 2x the Miles for every $25 spent at any eligible grocery store, wholesale club, membership-based retailer and alcohol retailer.*
- 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.*
- Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both.*
- 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!
- Extended Warranty*
- Purchase Protection*
- Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- 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
*Terms and conditions apply
Interest Rates
Purchase APR: 21.99%
Balance Transfer APR: 23.99% (21.99% for Quebec residents)
Cash Advance APR: 23.99% (21.99% for Quebec residents)
Annual Fee
$0
Pros
- AIR MILES rewards with no annual fee
- Great balance transfer intro rate
Cons
- Not a low rate card
Bonus Offer
Welcome offer: Get 1,200 AIR MILES Bonus Miles!* That’s enough for $120 towards purchases with AIR MILES Cash.*
Introductory Rates
Reward Earnings Rate
1 Mile for every $25 spent
Additional Details
Grace Period: 21 days
