• Award of Reward Miles is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the Terms and Conditions of your BMO Mastercard Cardholder Agreement and AIR MILES Terms and Conditions. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.
• BMO^®† AIR MILES^® Mastercard^®* card applications must be received between January 15, 2018 and October 31, 2018 (the "Offer Period"). The 500 AIR MILES^® Bonus Miles offer is limited to new BMO AIR MILES Mastercard accounts. You must make a first card purchase with your BMO AIR MILES Mastercard in order to receive the one-time 500 Bonus Miles. The Bonus Miles will be applied to your AIR MILES Collector Account within forty-five (45) days after your first card purchase. All Bonus Miles will be credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream Accounts) at the time of posting. Existing BMO AIR MILES Mastercard customers who cancel their card during the Offer Period and existing BMO Mastercard customers who transfer into this product during the Offer Period are not eligible. Limit of one (1) offer per Collector Number. Your credit card account must be in good standing when the Bonus Miles are awarded. If you cancel your card within thirty (30) days from the date your account is opened, all Miles earned within that period will be cancelled. This offer may be withdrawn or changed without notice.
• a) Subject to these Terms and Conditions, each balance transfer amount is eligible for a promotional interest rate of 1.99% provided that each balance transfer is posted to your BMO AIR MILES Mastercard account (the "Account") in the first 9 (nine) statement periods from the Account open date ("Promotional Period"), and your Account remains in good standing. Offer is available to new customers only upon Account approval for applications submitted on or after January 15, 2018. Balances from other BMO credit card accounts are not eligible to be transferred. The promotional rate will no longer apply to your Account if you transfer into a card other than the BMO AIR MILES Mastercard. Balance transfers apply to Canadian dollar amounts only.
  b) Balance transfers do not qualify to earn loyalty rewards such as AIR MILES Reward Miles. Balance transfers are treated as cash advances and the promotional interest rate applies from the date the transactions are posted to your Account until the last day of the Promotional Period. After the Promotional Period expires, any remaining balance transfer amounts will be charged interest at the standard annual interest rate for cash advances. The promotional interest rate of 1.99% does not apply to purchases, fees, cash advances and other charges posted to your Account during the Promotional Period. Standard interest rates will continue to apply to those transactions. Please refer to your monthly statement for the interest rate applicable to your Account.
  c) Each balance transfer is subject to a fee of 1% which will be charged to your Account on the date the balance transfer is posted to your Account. For example, if an amount of $1,000 is transferred to your Account, you will be charged a fee of $10. You may request a balance transfer for as low as $100, as long as the transfer amount plus the fee, does not exceed the unused portion of the credit limit on your Account.
  d) If your Account has balances with different interest rates, such as purchases with a standard interest rate and balance transfers with a promotional interest rate, any payment that exceeds the minimum payment will be allocated proportionately to those balances according to the terms set out in Section 14 of the BMO Mastercard Cardholder Agreement. For example, if you have an $800 purchases balance at the standard interest rate and a $200 balance transfer balance at a promotional interest rate, 80 per cent of your payment will be allocated to your purchases balance and 20 percent will be allocated to your balance transfer balance. This offer may be withdrawn or changed without notice.
  e) You will pay interest on purchases unless you pay your full Account balance by the payment due date. For example, if you complete a balance transfer for $5,000 and spend $2,000 in purchases during the same statement period, you must pay the entire balance of $7,000 before the payment due date to avoid paying interest on your purchases. You will be charged interest if you only pay the amount owing for your purchases. There is no interest-free grace period for cash advances or balance transfers.
• Ongoing interest rates, interest-free grace period, and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions and Mastercard cheques. Visit your branch; call the BMO Customer Contact Centre at 1-800-263-2263, or visit bmo.com/creditcards for current rates and fees.
• Earn twice when you use your BMO AIR MILES Mastercard and show your AIR MILES Card at AIR MILES Partners. The number of Miles you get depends on the earn rate offered by the AIR MILES Partner and the earn rate offered on your BMO AIR MILES Mastercard.

®†/ ™†Trademarks of Bank of Montreal.
®* Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.
®‡ Priority Pass is a registered trademark of Priority Pass Inc.