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Limited time offer:
Earn 400 Bonus AIR MILES reward miles*

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  • AIR MILES reward miles

    AIR MILES reward miles

    Earn more reward miles.



    Reward yourself with travel, merchandise or AIR MILES Cash.



    Pay no annual fee1 - and we don't just mean in the first year

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

Limited time offer:
Earn 400 Bonus AIR MILES reward miles* - enough for four movie passes, popcorn and more!

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

How many AIR MILES reward miles can I earn with my credit card?

Card Details

Reward yourself! A fun, free way to turn your everyday purchases into a wide range of AIR MILES rewards – from travel and merchandise to exciting entertainment packages and AIR MILES Cash. 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 reward miles even faster!

Limited time offer: Earn 400 Bonus AIR MILES reward miles after your first card purchase.*

Pay no annual fee1

Collect more AIR MILES reward miles Get free extended warranty and purchase protection
  • Items bought with your credit card are automatically insured against theft for 90 days. And, save the cost of buying extended warranty insurance – you're already covered3

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.

    Insurance and Protection

    Feel protected wherever you are — with the exclusive insurance and protection that comes 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 travelling 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

    The Fine Print

    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.
    Download important information (PDF) for full details.

    Cardholder Agreement

    AIR MILES Rewards Terms and Conditions


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



      Every BMO MasterCard® comes loaded with valuable features.



      We offer additional insurance coverage options to take the worry out of your trips.



      Feel protected wherever you are with the exclusive security features that comes with your BMO MasterCard.

    Ready to apply?