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BMO® Air Miles® Mastercard® review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
20.99%
Interest Rate: Purchases
20.99%
Balance Transfer
22.99% (0.99% for the first 9 months)
Balance Transfer
22.99% (0.99% for the first 9 months)
Rewards
1 - 3 Miles
Rewards
1 - 3 Miles
Signup Bonus
800 miles (after spending $1,000)
Signup Bonus
800 miles (after spending $1,000)


8.1/10
Informr score
The BMO® Air Miles® Mastercard® currently has an Informr score of 8.1 out of 10. This score is based on our evaluation of 9 sources including reviews from users and the web's most trusted critics.

Am I eligible?


BMO® Air Miles® Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada
Yes Have a minimum personal income of $15000.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Money.ca
Money.ca

With the sign-up bonus now at 800 Air Miles* with no annual fee, this card offers superb value. With no annual fee, there’s absolutely no risk putting another card in your wallet, and you’re getting $80* of house money to play with. Free is always worth it.

- Money.ca
Yore Oyster
Yore Oyster

With a generous welcome bonus of up to 800 bonus miles and an introductory balance transfer rate of 0.99% on balance transfers for the first nine months, the BMO Air Miles Mastercard is a great option for getting air miles rewards with no annual fees in Canada. The best way to optimize the card is t...

- Victor, Yore Oyster
Rewards Canada
Rewards Canada

Over the past couple of years we have seen numerous changes to both the card and the AIR MILES program that we feel have made this card fall down the ranks in the Canadian market. That being said it is definitely one to consider having if AIR MILES is one your primary loyalty programs and you want a...

- Rewards Canada
Money We Have
Money We Have

I can’t consider the BMO AIR MILES®† Mastercard®* as one of the best travel credit cards in Canada due to a lack of premium travel perks, travel insurance and low welcome bonus. However, my BMO AIR MILES®† Mastercard®* review is still positive as it’s a decent no annual fee credit card and is the be...

- Barry Choi, Money We Have
Hardbacon
Hardbacon

The BMO Air Miles Mastercard doesn’t have the same bells and whistles as some other travel rewards cards. But that’s not to say it isn’t a great Air Miles card, because it is. This is one of the best no-fee Air Miles rewards cards out there. Think of it as the younger sibling to the BMO Air Miles Wo...

- Heidi Unrau, Hardbacon

Details


Interest Rates
Regular APR Interest Rate 20.99%
Balance Transfer Interest Rate 22.99% (0.99% for the first 9 months)

21.99% for Quebec residents

Cash Advance Interest Rate 22.99%

21.99% for Quebec residents

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%
  • Maximum
  • 2% introductory transfer fee
Cash Advance Fee 1%

Minimum of $5

Foreign Transaction Fee 2.5%

Transactions made in a foreign currency will be converted and posted to your account in Canadian currency.

Over Limit Fee $29.00
Late Payment Fee $0.00
Promotions
Sign up bonus 800 miles after spending $1,000

On purchases within the first 3 months.

Rewards
All Purchases 1 mile for $25 spent
Restaurants No
Gas 2 miles for $25 spent

At participating AIR MILES Partners

Groceries 2 miles for $25 spent

At participating AIR MILES Partners

Hotels No
Travel 3 miles for $25 spent

At participating AIR MILES Partners

Pharmacy 3 miles for $25 spent

At participating AIR MILES Partners

Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Virtual Cards No
Additional Benefits

Get up to 25% off at National and Alamo at participating locations

Eligibility
Minimum Security Deposit $0
Minimum Age

18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

Minimum Personal Income $15,000 per year
Temporary Residents No
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Terms & Conditions Official Terms & Conditions
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