BMO AIR MILES®† Mastercard®*

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

Fees