BMO AIR MILES® MasterCard®*

Flytrippers opinion: A no-fee card with an increased welcome bonus (but it's still pretty low).
BMO AIR MILES®† MasterCard®* Flytrippers Valuation
of Welcome bonus (net value)
ends June 1st

via BMO secure application link
≈ $ 139

Rewards: ≈ $139

Card fee: $0

Card eligibility
minimum income required: $15k

Welcome bonus eligibility
must not have had
this specific card
since March 24, 2025
AIR MILES Miles (more simple)
Bonus: 1.2k pts
Earn on min. spend: 120 pts (total: 1,320 pts)

• ≈ $139 to ≈ $158 for any travel
booked on the AIR MILES website
• $139 for merchandise
at AIR MILES partners
How to unlock bonus
spend $1,500
in 110 days

Interest rates:
Purchases: 21.99%
Cash advances: 23.99%
Cash advances (QC): 21.99%
Terms and conditions apply. Flytrippers editorial opinion only. BMO is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

Summary of Flytrippers' review

WHY GET THIS CARD

  • Good welcome bonus of ≈ $139
  • Rewards of the more simple type that can be used for almost any travel expense
  • The fact it’s a no-annual-fee card

WHO SHOULD GET THIS CARD

  • Those who want rewards that are more simple and can be applied to almost any travel
  • Those with lower income (minimum income requirement of only $15k)
  • Those who want a no-annual-fee card (even though the total net value is always what you should look at)

All card details

Offer structure

  • 1200 Miles Bonus after spending $1,500 (in a maximum of 110 days)

1200 Miles Total with the welcome bonus

Apply for the BMO AIR MILES MasterCard

Total rewards by unlocking the welcome bonus

  • 1200 Miles Welcome bonus
  • 120 Miles Estimated earn on the $1,500 minimum spending requirement (at multiplier earn rate of 2 pts/$25)

1320 Miles Welcome bonus  + Earn on the minimum spending requirement to unlock the welcome bonus

Apply for the BMO AIR MILES MasterCard

Net value (at our Flytrippers Valuation of 10.5¢/pt)

  • $126 Bonus after min. spending (1200 pts)
  • $13 Earn on the required spending (120 pts)
  • –$0 Card fee (no-annual-fee card)

$139 Total net value by unlocking the welcome bonus

Details about our Flytrippers Valuation of welcome bonuses

Effective return rate

9.3% Return on the minimum spending requirement of $1,500 in 110 days

‣ Details about effective return rates (coming soon)

Rewards acquisition summary

$139 Rewards you get for $0 in fees paid

Apply for the BMO AIR MILES MasterCard

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 1320 AIR MILES Miles you get by unlocking the welcome bonus:

  • ≈ $138 to ≈ $158 Any trips on the AIR MILES website
  • $138 Merchandise at participating stores
  • ≈ $105 Merchandise online

‣ Details about the AIR MILES program (coming soon)

Value of redemption options (per point)

For each available redemption option, here is the value per AIR MILES Mile to help you understand:

  • ≈ 10.5¢ to ≈ 12¢ Any trips on the AIR MILES website
  • 10.5¢ Merchandise at participating stores
  • ≈ 8¢ Merchandise online

Details of the value per point

Welcome Offer: Get 1,200 AIR MILES Bonus Miles‡ (that’s enough for $120 towards purchases with AIR MILES Cash) and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.§

Earn over 10x faster than other AIR MILES collectors**: Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store*.

2x the Miles for every $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers.

Plus, 1 Mile for every $25 that you spend with your credit card everywhere else

Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both*

Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!

Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!

Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.

No annual fee*

Receive a discount on car rentals*

Extended Warranty* 

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

*Terms and conditions apply

⚠️ Full card resource page coming soon (📨get an alert once it’s ready)

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)

via BMO secure application

Questions?
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Terms & conditions — Travel rewards

Terms and conditions apply.

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The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

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All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

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