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Earn AIR MILES on daily spending without paying annual fees.
No annual fee, ever
Carry the card with $0 annual fee while still earning AIR MILES on every purchase.
Accelerated Miles on groceries and select retailers
Earn 2x the Miles for every $25 at eligible grocery, warehouse and alcohol retailers.
3x Miles at AIR MILES Partners
Get 3x the Miles for every $25 spent at participating AIR MILES Partners.
Built-in protections and Shell fuel savings
Enjoy purchase protection, extended warranty, Zero Liability and savings on fuel at Shell.
How the BMO AIR MILES Mastercard Fits Canadian Everyday Life
The BMO AIR MILES Mastercard is designed for Canadians who want to collect travel rewards on everyday purchases without paying an annual fee. As of 2025, the card charges a standard purchase interest rate of 21.99% and 23.99% on cash advances and balance transfers (with a slightly different structure in Quebec), which is typical for rewards credit cards in Canada. The key appeal, however, is that the card keeps the annual fee at $0, letting you stay in the AIR MILES ecosystem with very little ongoing cost.
When it comes to earning, the card uses a simple AIR MILES structure. On all card purchases, you earn 1 Mile for every $25 spent, which serves as your base rate. Everyday essentials can grow your balance faster thanks to accelerated earning at specific merchants: you earn 2x the Miles for every $25 spent at eligible grocery stores, wholesale clubs, membership-based retailers and alcohol retailers in Canada. If a big part of your monthly budget goes to groceries and similar purchases, that multiplier helps you collect Miles more quickly than a flat-rate earn card.
The earn rate gets even more rewarding when you shop at participating AIR MILES Partners. Using the BMO AIR MILES Mastercard at those partners earns 3x the Miles for every $25 in purchases. When you also swipe or scan your AIR MILES collector card, you effectively “earn twice” — once from the credit card and once from the loyalty program. Over time, this combination can significantly speed up your path to redemptions.
Beyond rewards, the card includes practical perks for a no-fee product. As a BMO AIR MILES Mastercard holder, you can save on fuel at Shell stations in Canada when you use your AIR MILES card and then pay with your BMO AIR MILES Mastercard. Purchases benefit from extended warranty coverage, which can double the manufacturer warranty for a limited period, and purchase protection that typically covers eligible items against theft or damage for a set number of days after purchase. Zero Liability protection adds further peace of mind by shielding you from unauthorized transactions when you use your card responsibly.
Welcome bonuses for this card in 2025 often include a bundle of AIR MILES when you reach specific spending thresholds in the first few months. The exact number of bonus Miles, minimum spend and timing can change over the year, so it is important to review the current offer on BMO’s site before applying.
Overall, the BMO AIR MILES Mastercard suits Canadians who appreciate the AIR MILES program, do regular spending at grocery and partner merchants, and prefer a straightforward, no-annual-fee way to earn travel-focused rewards.
Yes. The BMO AIR MILES Mastercard has no annual fee for the primary cardholder, making it easy to keep year after year without worrying about offsetting a yearly cost.
You earn 1 Mile for every $25 in card purchases everywhere. At eligible grocery stores, warehouse clubs, membership-based retailers and alcohol retailers, you earn 2x the Miles, and at participating AIR MILES Partners you earn 3x the Miles for every $25. When you also present your AIR MILES collector card at partners, you can earn from both the card and the loyalty program at the same time.
Promotions vary over the year, but typical offers in 2025 provide a package of bonus Miles when you spend a required amount in the first few months after approval. Some offers are tiered, with extra Miles for higher spending levels. Since these promotions change, you should always check BMO’s official card page to see the exact bonus you qualify for before applying.
This no-fee card focuses more on shopping and everyday protections than on premium travel coverage. You usually get purchase protection, extended warranty and Zero Liability for unauthorized transactions, but not the full suite of travel insurance benefits found on higher-tier cards, such as emergency medical travel insurance or trip cancellation.
The card is a strong fit for Canadians who actively collect AIR MILES, shop frequently at grocery stores and AIR MILES Partners, and want to avoid paying an annual fee. It works especially well if you pay your statement in full each month and treat the card as a way to build up Miles for future flights, hotel stays or other rewards.
Your BMO AIR MILES Mastercard is linked to your AIR MILES collector account, so Miles earned on the card are deposited directly into your AIR MILES balance. You can then redeem them within the program for travel, merchandise, attractions or Cash Rewards at participating retailers, depending on how you set your AIR MILES preferences.
Ready to Turn Everyday Purchases into Future Trips?
If you are a Canadian shopper who likes the idea of turning routine spending into travel rewards, the BMO AIR MILES Mastercard offers an easy, low-commitment way to do it. You do not pay an annual fee to carry the card, yet you still earn Miles every time you tap or swipe. The real strength comes from the way it rewards everyday categories: groceries, warehouse clubs, membership-based retailers and alcohol retailers. Combined with AIR MILES Partners, these categories cover a wide slice of typical household budgets.
For AIR MILES collectors, the synergy is particularly appealing. When you pay with the BMO AIR MILES Mastercard and also present your AIR MILES collector card at participating partners, you effectively stack your rewards. You earn Miles from the credit card, and you earn Miles from the loyalty program at the same time. Over months and years, that layering can significantly increase your balance compared to using only a standard credit card or only showing your collector card. A weekly grocery run, a tank of gas and a few partner purchases can quietly move you closer to a weekend getaway or a family trip.
The built-in protections also add day-to-day value. Extended warranty coverage can protect you when a major appliance or electronics purchase stops working shortly after the manufacturer’s warranty ends, and purchase protection helps cover theft or accidental damage shortly after you buy something. Zero Liability protection provides peace of mind if your card is lost, stolen or compromised, as long as you report issues promptly and use your card responsibly. For many households, these safeguards are just as important as the rewards themselves.
Of course, the card still carries typical interest rates for purchases, cash advances and balance transfers. The key to getting the most from the BMO AIR MILES Mastercard is to use it strategically: put your regular spending on the card, collect Miles in the background and pay your statement in full each month. When you manage it this way, your rewards are effectively “free” because you are not losing money to interest charges. Setting up automatic payments and tracking your spending through online banking makes it easier to stay in control and keep the focus on earning trips, not paying interest.
If you want a simple, no-fee way to stay active in the AIR MILES program and steadily build rewards for future trips, experiences or Cash Rewards, this card deserves a serious look.