BMO AIR MILES® Mastercard®*
Earn AIR MILES faster with this no annual fee card, plus a 0.99% intro rate on transfers for 9 months. Perfect for regular shopping and travel rewards.
The BMO AIR MILES Mastercard lets you collect AIR MILES quickly and easily, without paying an annual fee. You’ll enjoy a 0.99% introductory interest rate on balance transfers for 9 months, making it a smart choice if you want to consolidate other credit card debt affordably. The standard purchase rate is 21.99%. Credit limits are decided by BMO, and approval is subject to qualification. There’s no annual fee, and you get bonus AIR MILES on grocery, alcohol, and partner purchases, plus plenty of flexibility in how you redeem your miles.
Cómo aplicar: Paso a paso
- Check your eligibility for the card on the BMO website
- Complete the secure online application form
- Submit required identification and personal financial details
- Wait for a response—often instant or within a few days
- If approved, your new card is sent by mail
Pros of the BMO AIR MILES Mastercard
This card is excellent for Canadians looking to maximize AIR MILES collection with no annual fee. Bonus rewards for purchases at preferred partners and double miles at grocery or alcohol retailers help you earn faster than most comparable cards.
The 0.99% introductory rate on balance transfers also makes this card attractive for those looking to manage other card balances economically—the perfect combination for shoppers and points collectors alike.
Cons of the BMO AIR MILES Mastercard
The card does not offer travel insurance benefits beyond standard purchase protection, which might be a drawback for frequent travellers requiring comprehensive insurance.
Standard purchase and cash advance interest rates (21.99% to 23.99%) are higher than some low-rate cards, so carrying a balance after the introductory period can be costly if not managed properly.
Nuestro veredicto
The BMO AIR MILES Mastercard stands out for those who want a fee-free way to collect AIR MILES and who shop regularly at partners. With the easy earn rates and limited fees, it’s a great fit for AIR MILES enthusiasts who pay off their balances monthly or want a temporary low rate on balance transfers. However, if you need more robust travel or purchase protection, you may want to explore premium cards. Overall, it’s an accessible, rewarding option in the Canadian market.
