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BMO® AIR MILES®† MasterCard®*

The front of the BMO AIR MILES MasterCard credit card: NO fee credit card for travel or cash rewards. Apply now for this travel rewards credit card.
Welcome Offer: Get 500 AIR MILES Bonus Miles
1 reward mile for every $20
19.99% for Purchases8
22.99% for Cash Advances8
$0 Annual Fee8

Rewards Calculator


See how many AIR MILES®† reward miles you could earn in a year with the BMO AIR MILES MasterCard.
With so many options, it's easy to get the reward you want.

How much do you spend on your credit card each month?


  • $0
  • $5,000


Earn 1 AIR MILES reward mile/$20 in spend16B

BMO® AIR MILES®† MasterCard®*


Earn 1 AIR MILES reward mile/$20 in spend16B

Rewards Summary


First Year Welcome Bonus


AIR MILES Reward Miles


Total Reward Miles Earned


1st Year


(Includes any applicable welcome bonus)

What can you redeem with Reward Miles



Use of reward calculator is for illustrative purposes only. Values displayed valid as of May 13, 2015.
Rewards are subject to availability at time of redemption. Merchandise items may change without prior notice.

THE BMO AIR MILES MasterCard Gets You...


1 AIR MILES®† reward mile for every $20 in purchases16B.

Earn Bonus reward miles


Earn more reward miles when you use your card at Shell14, National Car17 Rental and Alamo Rent A Car. Plus get up to 25% discount25 at National Car Rental and Alamo Rent A Car.

Double Dip at AIR MILES Sponsor locations


Use your BMO AIR MILES MasterCard and AIR MILES Collector Card at an AIR MILES sponsor to earn reward miles from both.

Additional cards


Add an additional cardholder to your credit card account for FREE and earn even more reward miles.

Credit Card Features



Credit Card Benefits

Explore our world-class features that save you time and money.

Credit Card Benefits

Collect more AIR MILES®† reward miles

· Earn 1 AIR MILES reward mile for every $20 you spend, every time – and everywhere – you use your no fee MasterCard®*16B


· You can now use your BMO MasterCard at Costco locations across Canada

Earn faster and redeem sooner*

Get 1.25x AIR MILES reward miles at all Shell®†† locations in Canada14


Get 1.5x reward miles17 – and get up to 25% off rentals at National®#† Car Rental and Alamo®*‡ Rent A Car locations worldwide25


FREE additional credit cards (earn even more reward miles by adding an additional cardholder to your BMO MasterCard®*)

Earn Double Rewards

· Use your BMO AIR MILES MasterCard and AIR MILES Collector Card at an AIR MILES sponsor to earn reward miles from both.

Features of Every Card

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 year40.

Purchase Protection

Get added protection – items bought with your card are automatically insured against theft or damage for 90 days from date of purchase40.

Zero Liability30

Have peace of mind knowing that you are protected from theft and fraudulent use of your card. If your card is used without your authorization, you will not be liable if:


  • You did not contribute to the unauthorized use
  • You used reasonable care to safeguard your card and PIN, and
  • You notify us by telephone within 24 hours if you learn of the loss, theft or misuse of your card or cheques, or after you suspected that someone else knows your PIN.


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

Whether you've left your wallet in the airport or are lost in Paris and need to locate an ATM, you can call us 24 hours a day, 365 days a year. We'll connect you with a representative who speaks your language, and can help with:

  • Lost or stolen cards23
  • Emergency replacement cards or up to $1,000 in emergency funds 23
  • Locate an ATM that accepts MasterCard, Maestro®*, and Cirrus®* brands
  • Access account-related information
  • Access any applicable card benefits

Safety & Security

Use your card with confidence, knowing you're always protected.

Travel Services

Get around-the-clock coverage, whether you're in Canada or abroad.

Other Card Services & Tools

Make purchases or access your funds, no matter where you are.

Terms, agreements, rates, and fees

Important Information on
Rates and Fees


Key information about your BMO MasterCard, such as current fees, interest rates, grace period, minimum payment, foreign currency conversion and more.


BMO MasterCard 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 World Elite MasterCard rewards.



Can’t find what you’re looking for?


Use our easy to use tools and credit card reward calculators to help you find the card that's right for you and your needs.



Help Me Choose


Simply select the options you want and we'll suggest credit cards to meet your needs.


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Compare Credit Cards


Compare up to 4 credit cards details now.


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Help & Support

General Credit Card Live Support:

Call 1-800-263-2263


Make an appointment


Lost or Stolen Cards:

Call 1-800-361-3361 from North America,
or call collect 514-877-0330 internationally


Credit Limit Changes:

Call us at 1-866-991-4769 (TTY 1-866-859-2089)



  • ® BMO Is a registered trademark of Bank of Montreal.
  • TM BMO Is a registered trademark of Bank of Montreal.
  • ®* MasterCard is a registered trademark of MasterCard International Incorporated. Used under license.
  • ®† AIR MILES is a trademark of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and Bank of Montreal.
  • ®†# IDefence® is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.
  • TM†# IDefence PlusTM is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.
  • TM†#CreditDefence™ is a trademark owned by D+H Limited Partnership, used under licence by Bank of Montreal.