BMO AIR MILES Mastercard

Last updated:

By CardFinder Editorial Team Affiliate Disclosure
BMO mastercard

No annual fee

no-feeair-milespoints
Apply Now

Opens issuer website

Key Details

Annual Fee

$0

Network

mastercard

Credit Required

good

Reward Type

travel, points

Rewards Earn Rates

0.4x

Groceries

0.4x

Gas

0.4x

Dining

0.4x

Travel

0.4x

Everything Else

Highlights

  • No annual fee
  • Earn AIR MILES on every purchase
  • 1 Mile per $25 on all purchases
  • Accepted everywhere Mastercard is

Pros & Cons

Pros

  • + No annual fee
  • + Earn AIR MILES for free
  • + Mastercard universal acceptance
  • + Good for AIR MILES collectors

Cons

  • – Low earn rate (1 Mile per $25)
  • – AIR MILES devaluation concerns
  • – No travel insurance

Who Is This Card For?

The BMO AIR MILES Mastercard is best suited for Canadians who prioritize no-fee, air-miles, points spending. With no annual fee, it's an excellent choice for anyone who wants rewards without ongoing costs.

Benefits Breakdown

Purchase Protection

90 days

Is this card worth it for you?

Use our rewards estimator to see how much you'd earn based on your spending.

Try Estimator

Frequently Asked Questions

Ready to Apply?

Visit the issuer's website to confirm current terms and apply.

Apply for BMO AIR MILES Mastercard

Affiliate link · Disclosure

Similar Cards to Consider

Best for Groceries

Scotiabank Gold American Express Card

Amex

Scotiabank · $120/year

Earn up to 40,000 Scene+ points

travelgroceriesdiningentertainment

Pros

  • +Exceptional earn rate on everyday spending
  • +Scene+ points are versatile (travel, movies, groceries)
  • +Strong welcome bonus

Cons

  • –$120 annual fee
  • –American Express not accepted everywhere
Apply NowView Details

Opens issuer website

Best for Dining

American Express Cobalt Card

Amex

American Express · $156/year

Earn up to 30,000 Membership Rewards points

dininggroceriestravelfood-delivery

Pros

  • +Industry-leading 5x on dining and food delivery
  • +Monthly fee structure is easier to manage
  • +Amex Membership Rewards points are very flexible

Cons

  • –Annual fee of ~$156
  • –Amex not accepted everywhere in Canada
Apply NowView Details

Opens issuer website

Best Aeroplan Card

CIBC Aeroplan Visa Infinite Card

Visa

CIBC · $139/year

Earn up to 20,000 Aeroplan points

travelaeroplanair-canada

Pros

  • +Valuable Aeroplan points for Air Canada flights
  • +Companion buddy pass once per year
  • +Insurance package included

Cons

  • –$139 annual fee
  • –Earn rate is modest outside of travel
Apply NowView Details

Opens issuer website

Sources

Last verified: 2026-03-01. Offers and terms can change. Always confirm details on the issuer's website before applying.