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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

This card is for you, if...

  • want a fun way to collect more AIR MILES reward miles.

  • love to reward yourself with travel, gifts, nights out.

  • want a credit card with no annual fee.

The BMO AIR MILES†® MasterCard®* gets you:

  • More ways to collect AIR MILES reward miles:

    1 reward mile for every $20 in purchases every time – and everywhere – you use your BMO AIR MILES MasterCard2
  • Double your rewards:

    Use your BMO MasterCard and your AIR MILES Collector Card at AIR MILES sponsors and receive AIR MILES reward miles from both. Welcome to "double-dipping"!

Fees and Rates:

  • No Annual fee
  • 19.9% Interest rate

Reward yourself! A fun, free way to turn your everyday purchases into a wide range of AIR MILES rewards – from travel, gift cards and merchandise to exciting entertainment packages. Over 1,000 reward options to choose from! PLUS: The AIR MILES Reward Program offers more places to earn rewards than any other program in Canada, so you can earn AIR MILES reward miles even faster!

More ways to earn faster and redeem sooner:

  • Get 1.25x AIR MILES reward miles at all Shell locations in Canada4
  • Get 1.5x reward miles5 – and get up to 25% off rentals6 – at National Car Rental & Alamo Rent A Car locations worldwide
  • FREE additional credit cards (earn even more AIR MILES reward miles by adding a cardholder to your BMO MasterCard account).
Here's why more Canadians collect AIR MILES reward miles than any other loyalty program rewards:
  • Best-in-class: Named the #1 loyalty program in Canada – BMO Bank of Montreal is the only bank that offers AIR MILES reward miles on credit card and debit card purchases.
  • Range of rewards: With over 1,000 reward options from hundreds of AIR MILES sponsors, it's easy to get the reward you want.
  • Popularity: More than two-thirds of Canadian households collect AIR MILES reward miles – 10 million in Canada.
Feel protected wherever you are — with the exclusive insurance and protection available with your BMO AIR MILES MasterCard:

Extended Warranty

  • Save the cost of buying optional extended warranty insurance on your next purchase by paying with your BMO credit card. This coverage doubles the original manufacturer's warranty period up to a maximum of one additional year.
Download insurance certificate (PDF) for full-coverage details.

Purchase Protection

  • Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase.
Download insurance certificate (PDF) for full-coverage details.

Zero Dollar Liability

  • In case the unexpected should happen, enjoy free protection from both theft and the fraudulent use of your card. If your card is used without your authorization, you will not be liable if you notify us within 24 hours (among other criteria).

    Show criteria

Help Around the World and Lost or Stolen Card Replacement Funds from MasterCard Global Service®*

Enjoy peace of mind when traveling around the world. You can call us 24 hours a day, 365 days a year and we'll connect you with a representative who speaks your language, and can help with:
  • Lost or stolen cards
  • Emergency replacement cards or up to $1,000 in emergency funds
  • Locate an ATM, and more

Additional Protection and Travel Insurance Options

To save you time, here's a convenient page of resources that outlines everything you need to know about your BMO AIR MILES MasterCard terms, costs, cardholder rights and benefits.

Important Information on Rates and Fees
Key information about your BMO AIR MILES MasterCard, such as the latest fees, interest rates, grace period, minimum payment, foreign currency conversion, and more.

Cardholder Agreement
A detailed explanation of your rights and responsibilities as a BMO MasterCard cardholder.

AIR MILES Rewards Terms and Conditions
This guide outlines in detail terms and conditions governing your BMO AIR MILES MasterCard rewards.

A detailed explanation of the specific rules and provisions (including key features and insurance) that govern your BMO AIR MILES MasterCard.

Ready to apply for a BMO No Fee AIR MILES MasterCard?

5 easy steps, only 5 minutes, safe & secure
In person
Make an appointment at your local branch
  • Call 1-800-263-2263
    Mon-Sat: 8a.m. - 12a.m. (ET)
    Sun: 10a.m. - 12a.m. (ET)
  • Lost or stolen card?
  • Find a branch near you