BMO AIR MILES MasterCard

Our most popular card helps turn your everyday
purchases into valuable rewards.

1/$20
Rewards earn rate
AIR MILES reward miles

No
Annual fee

19.5%
Interest rate

Key Features
Card Details
Insurance and Protection
The Fine Print

This card is for you, if...

...you want a fun way to collect more AIR MILES^®† reward miles.
...you love to reward yourself with travel, gifts, nights out.
...you want a credit card with no annual fee.

The BMO AIR MILES MasterCard^®* gets you:

No annual fee¹
More ways to collect rewards:
Earn 1 reward mile for every $20 in purchases every time – and everywhere – you use your card²
Double your rewards:
Use your credit card and your AIR MILES Collector Card at AIR MILES sponsors and receive reward miles from both. Welcome to "double-dipping"!
Our Low Interest Rate Option:
Reduce interest charges from 19.5% to 12.9% (for $45/year)³

Reward yourself! A fun, free way to turn your everyday purchases into a wide range of 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 reward miles even faster!

Pay no annual fee¹
Collect more AIR MILES reward miles: Earn one reward mile for every $20 you spend, every time – and everywhere – you use your card². See how many AIR MILES rewards miles you could earn with your BMO AIR MILES MasterCard.
Get free extended warranty and purchase protection: Items bought with your card are automatically insured against theft for 90 days. And, save the cost of buying extended warranty insurance – you're already covered.⁴

More ways to earn faster and redeem sooner:

Get 1.25x your reward miles at all Shell locations in Canada⁵
Get 1.5x your 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

Additional options:

Reduce your interest charges from 19.5% to 12.9% with our low interest rate option ($45/year).³
FREE additional cards (earn even more reward miles by adding a cardholder to your account).

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 and Debit 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 accounts – 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

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 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.

Billing and Rewards Pricing Policy
Find out about when and how fees and bonus points are applied to your BMO 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 AIR MILES MasterCard rewards.

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