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BMO AIR MILES World MasterCard

Earn reward miles faster. Fly 25% sooner.

Minimum $60,000 (individual) or $100,000 (household)
income required.

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  • AIR MILES reward miles

    AIR MILES reward miles

    Our fastest AIR MILES earn rate.



    Stretch your miles further than any other AIR MILES credit card, with our exclusive 25% flight discount.



    Feel protected anywhere with the exclusive travel insurance that comes with your BMO MasterCard.

The BMO AIR MILES World MasterCard gets you:

Our highest AIR MILES earning rate:
1 reward mile for every $15 in card purchases1

Our exclusive 25% flight discount:
Stretch your reward miles on all flights worldwide (i.e. take a 1,000 reward mile flight for only 750 reward miles)2

BMO World MasterCard Travel Protection:
Coverage for car rental collision damage, flight delay & baggage insurance and more3

Double your rewards:
Use your credit card and AIR MILES Collector Card at AIR MILES sponsors and get reward miles from both. Welcome to double-dipping!

Fees and Rates:

$99 Annual fee
19.9% Interest rate

Minimum $60,000 (individual) or $100,000 (household) income required

How many AIR MILES reward miles can I earn?

Card Details

You spend, we reward! Turn your everyday purchases into valuable AIR MILES rewards – from dream vacations and top-brand merchandise to exciting entertainment and sports 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 reward miles even faster!

Earn more
• 1 AIR MILES reward mile for every $15 that you spend on your credit card.1
See how many AIR MILES rewards miles you could earn with your AIR MILES World MasterCard

Stretch your reward miles with our 25% flight discount
• Exclusive to BMO AIR MILES World MasterCard customers, fly on any AIR MILES flights for 25% fewer miles than normally required.2

FLY with 25% fewer AIR MILES reward miles!

Low Season7
High Season7
  • Toronto to Orlando
  • 2375
  • 1781
  • 3000
  • 2250
  • Montreal to Paris
  • 5150
  • 3862
  • 6775
  • 5081
  • Vancouver to Los Angeles
  • 1600
  • 1200
  • 2275
  • 1706

Travel worry-free
• We've got you covered for car rental collision damage, flight delays, baggage loss, and more3

Dining and Entertainment Reservations and Recommendations
• 24/7 access to BMO Concierge Service by calling 1-800-741-6758

More ways to earn AIR MILES reward miles faster and redeem sooner:

  • Get 1.25x AIR MILES reward miles at all Shell locations in Canada4
  • Get 2x reward miles5 – and get up to 25% off rentals6 – at National Car Rental & Alamo Rent A Car locations worldwide
  • Get a 25% discount on the number of AIR MILES reward miles required to redeem for environmentally friendly My Planet rewardsTM (such as transit passes and battery chargers).2
  • Add an additional cardholder to your BMO MasterCard account (and earn even more reward miles) for only $15/year.


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 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 World MasterCard:

BMO World MasterCard Travel Protection*

  • Travel worry-free with coverage for car rental collision damage, unexpected return home, Common Carrier Accidental Death and Dismemberment Insurance, and more.3
Download insurance certificate (PDF) for full-coverage details.

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 World MasterCard terms, costs, cardholder rights and benefits.

Important Information on Rates and Fees

Key information about your BMO AIR MILES World 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

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

Download cardholder agreement (PDF) for full details.

AIR MILES Rewards Terms and Conditions

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

Download terms and conditions (PDF) for full details.


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

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