BMO AIR MILES World MasterCard
Earn reward miles faster. Fly 25% sooner.
Minimum $60,000 (individual) or $100,000 (household)
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
How many AIR MILES reward miles can I earn?
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!
• 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
• 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
Why AIR MILES?
Here's why more Canadians collect AIR MILES reward miles than any other loyalty program rewards:
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.
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
- 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.
- Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase.
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).
If your card is used without your authorization, you will not be liable if: you did not knowingly contribute to the unauthorized use; you used reasonable care to keep your card safe from loss, theft or misuse; you kept your PIN confidential and separate from your card; you notify us by telephone within 24 hours if you learn of the loss, theft or misuse of your card, or if you know or suspect that someone else knows your PIN; there has not been more than one unauthorized use of your card in the last 12 months, and your account is in good standing. If you don't meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use.
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
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.
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.