AIR MILES Mastercard | Credit Cards

Annual fee^*	$0
Purchases^*	19.99%
Cash advances^*	22.99%

Annual fee^*	$120
Purchases^*	19.99%
Cash advances^*	22.99%
Minimum $80,000 (individual) or $150,000 (household) annual income required.

Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include Balance Transfers, cash-like transactions and Mastercard cheques. Visit your branch; call the Customer Contact Centre at 1-800-263-2263, or visit bmo.com/creditcards for current rates and fees. This is an exclusive online offer and only available on selected website’s. It is not available in BMO branches, bmo.com or the Customer Contact Centre.

1,000 AIR MILES® Bonus Miles offer is limited to new accounts. Applications must be received between January 15, 2019 and January 15, 2020 (“Offer Period”). Existing BMO AIR MILES Mastercard customers who cancel their card during the Offer Period, and existing BMO Mastercard customers who transfer into this product during the Offer Period are not eligible. 500 Bonus Miles will be applied to your AIR MILES Collector Account within forty-five (45) days after your first card purchase. Additional 500 Bonus Miles will be awarded when you spend $1,000 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first three (3) months from the account open date and will be applied to your Collector Account within forty-five (45) days after qualifying. All Bonus Miles will be credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream Accounts) at the time of posting. Limit of one Bonus Offer per Collector Account. If you cancel your card within ninety (90) days of opening your account, the Bonus Miles will be cancelled. This offer may be changed, extended or withdrawn at any time without notice. This is an exclusive online offer and only available from BMO selected websites. Eligibility restricted to: 1) any airmiles.ca communication, 2) internal Sobey’s employees via intranet, and 3) any BMO communication. It is not available in BMO branches, BMO.com, or the Customer Care Centre.

Use Miles in the Cash balance of your AIR MILES Collector Account in-store in increments of ninety-five (95) Cash Miles for $10 towards purchases at participating AIR MILES Partner locations to a maximum of $750 per day and online at airmiles.ca/cash in increments of ninety-five (95) Miles for every $10 value from participating AIR MILES eVoucher Partners to a maximum of $750 per day. eVouchers can be used at participating eVoucher Partners' locations in Canada only. See specific eVoucher Reward page for details and any restrictions. Visit airmiles.ca/cash to learn more. You must have accumulated sufficient Cash Miles in your Collector Account in order to use Miles towards in-store purchases and eVouchers. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.

a) Subject to these Terms and Conditions, each balance transfer amount is eligible for a promotional interest rate of 1.99% provided that each balance transfer is posted to your BMO AIR MILES Mastercard account (the 'Account') in the first 9 (nine) statement periods from the Account open date (“Promotional Period”) , and your Account remains in good standing. Offer is available to new customers only upon Account approval for applications submitted on or after January 15, 2018. Balances from other BMO credit card accounts are not eligible to be transferred. The promotional rate will no longer apply to your Account if you transfer into a card other than the BMO AIR MILES Mastercard. Balance transfers apply to Canadian dollar amounts only.
b) Balance transfers do not qualify to earn loyalty rewards such as AIR MILES Reward Miles. Balance transfers are treated as cash advances and the promotional interest rate applies from the date the transactions are posted to your Account until the last day of the Promotional Period. After the Promotional Period expires, any remaining balance transfer amounts will be charged interest at the standard annual interest rate for cash advances. The promotional interest rate of 1.99% does not apply to purchases, fees, cash advances and other charges posted to your Account during the Promotional Period. Standard interest rates will continue to apply to those transactions. Please refer to your monthly statement for the interest rate applicable to your Account.
c) Each balance transfer is subject to a fee of 1% which will be charged to your account on the date the balance transfer is posted to your Account. For example, if an amount of $1,000 is transferred to your Account, you will be charged a fee of $10. You may request a balance transfer for as low as $100, as long as the transfer amount plus the fee, does not exceed the unused portion of the credit limit on your Account.
d) If your Account has balances with different interest rates, such as purchases with a standard interest rate and balance transfers with a promotional interest rate, any payment that exceeds the minimum payment will be allocated proportionately to those balances according to the terms set out in section 14 of the BMO Mastercard Cardholder Agreement. For example, if you have an $800 purchases balance at the standard interest rate and a $200 balance transfer balance at a promotional interest rate, 80 per cent of your payment will be allocated to your purchases balance and 20 percent will be allocated to your balance transfer balance. This offer may be withdrawn or changed without notice.
e) You will pay interest on purchases unless you pay your full Account balance by the payment due date. For example, if you complete a balance transfer for $5,000 and spend $2,000 in purchases during the same statement period, you must pay the entire balance of $7,000 before the payment due date to avoid paying interest on your purchases. You will be charged interest if you only pay the amount owing for your purchases. There is no interest-free grace period for cash advances or balance transfers.
f) To transfer balances from non-BMO credit card accounts, register for Online Banking or log in at bmo.com and do the following; select your Mastercard account, then select Set up Balance Transfer or Pre-authorized payment, then select Credit Card Balance Transfer and follow the instructions to complete the transfer.

2x the Miles: As of May 16, 2018, BMO AIR MILES Mastercard cardholders will earn 2 AIR MILES Reward Miles for every $20 in purchases at participating AIR MILES Partners. Participating AIR MILES Partners may be added or removed at any time without notice, visit airmiles.ca/get2x for Partner details. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). The “2x the Miles” benefit is available on eligible purchases beginning May 16, 2018 and may be withdrawn or changed at any time without notice. The “2x the Miles” benefit is applicable to the following BMO Credit Card products with no annual fee: BMO AIR MILES Mastercard, BMO IGA AIR MILES Mastercard, BMO Sobeys AIR MILES Mastercard, BMO AIR MILES Mastercard, BMO Affinity AIR MILES Mastercard cards (excluding BMO SPC Affinity AIR MILES Mastercard cards & the BMO SPC AIR MILES Mastercard). This benefit does not apply to any BMO AIR MILES Mastercard not named in the above list.

Offer is cumulative over the statement period. Award of AIR MILES reward miles is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, payments, credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions. The number of reward miles will be rounded down to the nearest whole number. Fractions of reward miles will not be awarded.

Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include Balance Transfers, cash-like transactions and Mastercard cheques. Visit your branch; call the Customer Contact Centre at 1-800-263-2263, or visit bmo.com/creditcards for current rates and fees.

Earn twice when you use your BMO AIR MILES Mastercard and show your AIR MILES Card at AIR MILES Partners. The amount of Miles you earn depends on the earn rate offered by the AIR MILES Partner and the earn rate offered on your BMO AIR MILES credit card.

Purchase Protection and Extended Warranty Insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).

BMO AIR MILES World Elite Mastercard (“Credit Card”) applications must be received between April 1, 2019 and January 15, 2020 (the “Offer Period”) to be eligible for the following Bonus Miles and Annual Fee Waiver offers (each an “Offer” and collectively the “Offers”):
AIR MILES Bonus Miles Offer: Receive 1,000 Bonus Miles after your first purchase using your Credit Card. Bonus Miles will be credited to the primary Credit Cardholder’s AIR MILES Collector Account within forty-five (45) days of purchase. Receive an additional 2,000 Bonus Miles when you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) on purchases using the Credit Card within the first three (3) months from the Credit Card open date. The additional Bonus Miles will be credited to the primary Credit Cardholder’s Collector Account within sixty (60) business days following the qualifying $3,000 spend. All Bonus Miles are credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream balances) at the time of posting. The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program Terms and Conditions. Limit of one AIR MILES Bonus Miles Offer per Collector Number.
Annual Fee Waiver Offer: The primary cardholder annual fee of $120 will be waived for the first year. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. The Annual Fee Waiver Offer does not apply to the Additional Card annual fee.
These offers are subject to change or can be withdrawn without notice. Existing BMO AIR MILES World Elite Mastercard customers who cancel their card during the “Offer Period” and existing BMO Mastercard customers who transfer into this Credit Card product during the “Offer Period” are not eligible for the Offers. If the Credit Card is cancelled within ninety (90) days from the date it was opened, all Miles earned within that period will be cancelled.

Exclusive 15% Flight Discount: Fly on any AIR MILES flight within North America for 15% fewer reward miles when you book through airmiles.ca or by calling 1-888-247-6453. For example, you could redeem a 1,300 reward miles flight for only 1,105 reward miles.* * If you have the BMO AIR MILES World Elite Mastercard, when you redeem AIR MILES reward miles for a flight in North America you will receive a 15% discount from the number of AIR MILES reward miles you would ordinarily require. North America includes flight travel within Canada, from Canada to the United States of America, including Hawaii and Alaska, excluding Puerto Rico and flight travel within the United States, and flight travel to and from Mexico. This benefit does not apply to Cash + Miles Rewards. For flight redemptions: There are no blackout periods. This benefit does not apply to the cash portion of the flight redemption (such as airport improvement fees and booking fees) or to the flight component of package vacations and cruises. This benefit cannot be combined with any other offer. To redeem for Travel Rewards, you must have accumulated sufficient AIR MILES reward miles in your Dream Balance. Collectors must pay applicable surcharges, fees and taxes on air travel Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888-AIR-MILES (in Toronto (416) 226-5171).

Subject to Terms and Conditions, including limitations and exclusions contained in the BMO AIR MILES World Elite Travel and Medical Protection Certificate of Insurance, which is sent to new cardholders; please refer to the Certificate for further details. Out-of-Province/Out-of-Country Emergency Medical benefits are only applicable to cardholders under the age of 65. BMO Mastercard insurance benefits provided by Allianz Global Risks US Insurance Company (Canadian Branch).

Mastercard Airport Experiences provided by LoungeKey (“MCAE”) is a worldwide program run by LoungeKey Ltd. This benefit will be available to all cardholders of a BMO AIR MILES World Mastercard, (“eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at airport.mastercard.com or on the MCAE mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating MCAE lounge must present their valid, eligible BMO Mastercard or their mobile access code (this may be obtained by the eligible cardholder by registering an account at airport.mastercard.com or through the MCAE mobile application) to the lounge receptionist and mentioning “Mastercard Airport Experiences provided by LoungeKey.” Some offers may be subject to a per-person, per-visit charge. Where applicable and dependent upon the offer, access charges, including those for an accompanying guest, may be charged to your credit card. Value and benefits of the MCAE complimentary membership are subject to change without notice. Enjoy lounge access for a fee of just US$32 per person, per visit.

a) As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 15% off admission to Cirque du Soleil shows touring Canada. 15% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Valid on available seats. Sales are final, no refunds or exchanges. May not be combined with any other offer or promotion. Not valid on previous purchased tickets. While quantities last.
b) As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 20% off on resident shows in Las Vegas. 20% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Offer valid for selected performances and seating. Subjected to availability. Cannot be combined with any other offer discount. Offer is not valid for previously purchased tickets. Tickets subject to applicable Live Entertainment Tax, service fees, and delivery fees. Sales are final, no refunds or exchanges.

AIR MILES^®† Credit Cards

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BMO^® AIR MILES^®† World Elite^®* Mastercard^®*

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Double Dip at AIR MILES Sponsor locations

Extended Warranty

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Cirque du Soleil¹³

Flight Discount¹⁰

BMO AIR MILES World Elite Travel and Medical Protection¹¹

Terms & Conditions

AIR MILES®† Credit Cards

BMO® AIR MILES®† Mastercard®*

BMO® AIR MILES®† World Elite®* Mastercard®*

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BMO® AIR MILES®† Mastercard®*

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BMO® AIR MILES®† World Elite®* Mastercard®*

Rewards summary

First Year Welcome Bonus

Total reward miles earned

Enjoy more credit card benefits and earn extra rewards

Double Dip at AIR MILES Sponsor locations

Extended Warranty

Purchase Protection

Cirque du Soleil13

Flight Discount10

BMO AIR MILES World Elite Travel and Medical Protection11

AIR MILES^®† Credit Cards

BMO^® AIR MILES^®† Mastercard^®*

BMO^® AIR MILES^®† World Elite^®* Mastercard^®*

BMO^® AIR MILES^®† Mastercard^®*

BMO^® AIR MILES^®† World Elite^®* Mastercard^®*

Cirque du Soleil¹³

Flight Discount¹⁰

BMO AIR MILES World Elite Travel and Medical Protection¹¹