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This card is for you, if...


  • ...you want a faster way to collect more AIR MILES. You want our best AIR MILES earning rate -
    1 reward mile for every $15 you spend.

  • ...you love to travel using AIR MILES. You like big savings on flights and no blackout dates.

  • ...you love to reward yourself with travel, gifts, special events. You enjoy the freedom to choose your rewards - travel, electronics, gift cards and more.

The BMO Gold AIR MILES 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

  • A welcome BONUS of 150 reward miles3

  • Travel Protection:

    Coverage for car rental collision damage and more4

  • Double your rewards:

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

The BMO Gold AIR MILES MasterCard®* gets you:

  • A welcome BONUS of 150 reward miles3
  • Travel Protection: Coverage for car rental collision damage and more4
  • Double your rewards: Use your credit card and your AIR MILES Collector Card at AIR MILES sponsors and get double rewards miles from both. Welcome to "double-dipping"!

Rates and Fees

  • $99 Annual Fee
  • 19.5% Interest Rate

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 And a welcome BONUS of 150 AIR MILES reward miles.3 See how many AIR MILES rewards miles you could earn with your Gold MasterCard.
  • Stretch your reward miles with our 25% flight discount: Exclusive to BMO Gold AIR MILES 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 Season11
    High Season11
    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, unexpected return home, and more4

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

  • Get 1.25x AIR MILES reward miles at all Shell locations in Canada5
  • Get 2x reward miles6 – and get up to 25% off rentals7 – at National Car Rental & Alamo Rent A Car locations worldwide
  • Triple your reward miles at Triple Rewards Plus merchants8
  • 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
  • Collect up to 1,200 bonus AIR MILES reward miles a year when you bank with BMO9

Additional options:

  • Reduce your interest charges from 19.5% to 12.9% with our low interest rate option ($45/year).10
  • Add an additional cardholder to your BMO MasterCard account (and earn even more reward miles) for only $15/year.
Why AIR MILES?
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.
Feel protected wherever you are — with the exclusive insurance and protection that comes with your BMO Gold AIR MILES MasterCard:

BMO Travel Protection*

  • Travel worry-free with coverage for car rental collision damage, unexpected return home, Common Carrier Accidental Death and Dismemberment Insurance, and more.4
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 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 Gold AIR MILES MasterCard terms, costs, cardholder rights and benefits.

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

Billing and Rewards Pricing Policy
Find out about when and how fees and bonus points are applied to your BMO Gold AIR MILES MasterCard account, along with other pricing details associated with your card.

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 Gold AIR MILES MasterCard rewards.

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

Ready to apply for a BMO GOLD AIR MILES MasterCard?

Online
5 easy steps, only 5 minutes, safe & secure
In person
Make an appointment at your local branch
Find a branch near you
Questions?
  • Call 1-800-263-2263
    Mon-Sat: 8a.m. - 12a.m. (ET)
    Sun: 10a.m. - 12a.m. (ET)
  • Lost or stolen card?
    1-800-361-3361
  • Find a branch near you
BMO MasterCard Eligibility Criteria
  • Be a permanent Canadian resident
  • Have not declared bankruptcy in the past seven years
  • Have reached the age of majority in the province in which you live
    (18 yrs in AB, MB, ON, PE, QC, SK.  19 yrs all others)