BMO AIR MILES Mastercard
The BMO AIR MILES Mastercard is a step down from the BMO AIR MILES World Elite Mastercard which earns miles at double the rate. The good thing is that it has no annual fee, so any spend on the card will generate a positive return. Cardholders will also be able to earn 25% off car rentals with National Car Rental and Alamo Rent A Car.
The BMO AIR MILES Mastercard features one bonus category which is spending with AIR MILES partners. There is no limit to the amount of AIR MILES Rewards Miles you can earn spending in this category and no limit to the amount of miles you can earn with the BMO AIR MILES Mastercard.
2x/$20 AIR MILES Partners
BMO AIR MILES Mastercard holders will earn 2 AIR MILES Rewards Miles per $20 spent with AIR MILES Partners. AIR MILES has a decent list of partners. As of July 2019, these include:
- Sobey's Urban Fresh
- Reno Depot
- ACE Hardware
- Lowe's Hardware
- Budget Car Rental
- Alamo Rent A Car
- National Car Rental
- Global Pet Foods
Simplified, earning double miles with these partners is equal to earning 1 AIR MILES Rewards Mile per $10 spent which is the rate you can obtain with the BMO AIR MILES World Elite Mastercard for all purchases. The World Elite version also earns you more AIR MILES on National Car Rental and Alamo Rent A Car.
BMO AIR MILES Mastercard holders will also receive 2 AIR MILES Rewards Miles per $20 spent on travel (hotel, flight, car), merchandise, top-up and other travel-related purchases on airmiles.ca.
Up To 25% Off Rentals
BMO AIR MILES Mastercard members will be able to receive a discount of up to 25% when booking rentals with National Car Rental and Alamo Rent A Car. Cardholder must use contract ID number 3717122 for National Car Rental or 7014883 for Alamo Rent A Car when making the reservation.
Perks and Benefits
The BMO AIR MILES Mastercard comes with a few additional benefits outside of the double miles you can earn shopping with partners.
BMO AIR MILES Mastercard members will receive extended warranty when they use the BMO credit card for the purchase. This will double the original manufacturer's warranty period up to a maximum of one additional year.
BMO AIR MILES Mastercard holders who use their BMO credit card to make purchases will receive purchase protection. Items purchased are automatically insured against theft or damage for 90 days from the date of purchase.
AIR MILES Sponsor Points
AIR MILES Members can double dip when shopping at AIR MILES Sponser locations. Members will be able to receive points for using their BMO AIR MILES Mastercard and receive points when showing their AIR MILES Collector Card with sponsers.
Sign Up Bonus
The standard sign up bonus for the BMO AIR MILES Mastercard is 500 miles after your first purchase which is equal to an easy $50. New members can earn an additional 500 miles after making $1,000 in purchases until October 31st 2019.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The BMO AIR MILES Mastercard has a $0 annual fee. This means that you will always come out ahead when running spend through the card and you will not have to worry about spending a certain amount to make the card worth keeping.
Authorized User Fee
BMO AIR MILES Mastercard holders can add authorized users to the card for $35 per additional user. This means that additional card holders will at least have to spend $700 on the card to make up for the fee at the average value of $0.10 per AIR MILES Rewards Mile.
Foreign Transaction Fee
BMO AIR MILES Mastercard holders will be charged for the conversion to Canadian Dollars based on Mastercard International on the date the transaction is posted to your account plus 2.50% for purchases.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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