How to Apply for the BMO AIR MILES® Mastercard®
Overview
The BMO AIR MILES® Mastercard® is a no-annual-fee card designed for Canadians who want to collect AIR MILES rewards on everyday spending. This guide explains who benefits most from the card, how to apply, tips for maximizing rewards, and common FAQs.
Who Is This Card For?
This card is best suited for:
- Everyday shoppers who want to earn rewards without paying a fee.
- AIR MILES collectors looking for easy, automatic earning.
- Users who prefer a simple, no-fuss credit card.
- Students, newcomers, or budget-conscious cardholders.
It’s less suitable for travelers seeking luxury perks or users who prioritize low-interest balance transfers.
How to Apply
- Visit the official BMO website.
- Navigate to the AIR MILES Mastercard page.
- Click “Apply Now” and fill out your personal and financial details.
- Provide your AIR MILES Collector Number (or create one).
- Submit your application and wait for an instant decision.
Approved users receive their card by mail within 7–10 business days.
Tips to Maximize Rewards
- Shop at AIR MILES partners: Earn 3X miles per $25 at participating stores.
- Use the card for everyday purchases: Every $25 earns 1 mile.
- Link to your AIR MILES account: Track your progress in real time.
- Watch for bonus offers: BMO and AIR MILES often run seasonal promotions.
- Redeem smartly: Use miles for high-value travel or in-store discounts.
- Pay your balance in full: Avoid interest to maximize net reward value.
How to Cancel
- Pay off your remaining balance.
- Contact BMO customer service (phone or online chat).
- Request to close your account.
- Confirm that all AIR MILES have been credited.
- Keep written confirmation for your records.
FAQ
Q: What is the annual fee?
A: There’s no annual fee.
Q: What are the reward rates?
A: 3X miles per $25 at partners; 1X mile per $25 on all other purchases.
Q: How does the welcome bonus work?
A: Earn up to 800 AIR MILES Bonus Miles after qualifying purchases.
Q: Can I redeem miles for cash?
A: Yes, via the AIR MILES Cash option for instant discounts.
Q: Does the card include insurance?
A: Yes — purchase protection and extended warranty.
Q: Is this card available to non-Canadians?
A: You must be a Canadian resident with a good credit history.
Important Notes
- Always link your AIR MILES account to track and redeem points.
- Use your card regularly at partner merchants for faster accumulation.
- Avoid carrying a balance to prevent high-interest charges.
- Check BMO and AIR MILES promotions for extra bonus miles.
Conclusion
The BMO AIR MILES® Mastercard® is a simple, reliable choice for everyday earners. It provides steady rewards, no annual fee, and easy redemption flexibility. While it lacks travel insurance or luxury perks, it delivers strong everyday value for the average Canadian shopper.
Recommendation:
Apply if you want a no-fee credit card that earns AIR MILES effortlessly on your daily purchases.