- BMO AIR MILES Mastercard applications must be received between December 17, 2020 and May 31, 2024 (the “Offer Period”). 1,500 AIR MILES Bonus Miles offer is limited to new accounts. 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. 1,500 Bonus Miles will be awarded when you spend $1,000 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first three (3) months from the Credit Card open date. The 1,500 Bonus Miles will be credited to the primary Credit Cardholder’s Collector Account within ninety (90) business days following the qualifying $1,000 spend. All Bonus Miles will be credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream balances) at the time of posting. The AIR MILES Bonus Miles offer is subject to the AIR MILES Reward Program Terms and Conditions. Limit of one Bonus Offer per Collector Account. If you cancel your card within ninety (90) days of opening your account, the Bonus Miles will be cancelled. This offer may be changed, extended or withdrawn at any time without notice. Use the Cash Miles in your AIR MILES Cash Account in-store in increments of 95 Cash Miles for every $10 towards your purchases at participating AIR MILES Partner locations (gift cards and near-cash products are excluded and other exclusions may also apply) and online at airmiles.ca/cash in increments of 95 Cash Miles for every $10 worth of value from participating Reward Partners. Standard daily Cash Miles usage limits and Terms and Conditions apply. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.
- Use the Cash Miles in your AIR MILES Cash Account in-store in increments of 95 Cash Miles for every $10 towards your purchases at participating AIR MILES Partner locations (gift cards and near-cash products are excluded and other exclusions may also apply) and online at airmiles.ca/cash in increments of 95 Cash Miles for every $10 worth of value from participating Reward Partners. Standard daily Cash Miles usage limits and Terms and Conditions apply. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.
- a) Subject to these Terms and Conditions, each balance transfer amount is eligible for a promotional interest rate of 0.99% 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 September 2, 2022. 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 0.99% 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 2% 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 $20. 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.
f) To transfer balances from non-BMO credit card accounts, register for Online Banking or log in at bmo.com and do the following; select your Mastercard account, then select Set up Balance Transfer or Pre-authorized payment, then select Credit Card Balance Transfer and follow the instructions to complete the transfer.
- BMO AIR MILES Mastercard cardholders will earn 3 AIR MILES Reward Miles for every $25 in purchases at participating AIR MILES Partners. Participating AIR MILES Partners may be added or removed at any time without notice, visit airmiles.ca/3xMiles for Partner details. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). The “3x the Miles” benefit is available on eligible purchases and may be withdrawn or changed at any time without notice. The “3x the Miles” benefit is applicable to the following BMO Credit Card products with no annual fee: BMO AIR MILES Mastercard, BMO IGA AIR MILES Mastercard, BMO Sobeys AIR MILES Mastercard, BMO Shell AIR MILES Mastercard, BMO Affinity AIR MILES Mastercard cards & Student BMO AIR MILES Mastercard. This benefit does not apply to any BMO AIR MILES Mastercard not named in the above list.
- Offer is cumulative over the statement period. Award of AIR MILES 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 AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.
- Ongoing interest rates, interest-free grace period, annual fees 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 Customer Contact Centre at 1-800-263-2263, or visit bmo.com/creditcards for current rates and fees.
- BMO AIR MILES World Elite Mastercard (“Credit Card”) applications must be received between December 17, 2020 and May 31, 2024 (the “Offer Period”) to be eligible for the following Bonus Miles and Annual Fee Waiver offers (each an “Offer” and collectively the “Offers”):
AIR MILES Bonus Miles offer: Receive 3,000 Bonus Miles when you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in net card purchases within the first three (3) months from the credit card open date. The Bonus Miles will be credited to the primary credit cardholder's collector account within ninety (90) business days following the qualifying $3,000 spend. All Bonus Miles are credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream Accounts) at the time of posting. The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program terms and conditions. Limit of one (1) AIR MILES Bonus Miles Offer per collector number. If the credit card is cancelled within ninety (90) days from the date it was opened, all Miles earned within that period will be cancelled.
Annual Fee Waiver Offer: The primary cardholder annual fee of $120 will be waived for the first year. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. The Annual Fee Waiver Offer does not apply to the Additional Card annual fee.
These offers are subject to change or can be withdrawn without notice. Existing BMO AIR MILES World Elite Mastercard customers who cancel their card during the “Offer Period” and existing BMO Mastercard customers who transfer into this Credit Card product during the “Offer Period” are not eligible for the Offers. If the Credit Card is cancelled within ninety (90) days from the date it was opened, all Miles earned within that period will be cancelled.
- 3x the Miles: BMO®† AIR MILES® World Elite®* Mastercard®* cardholders will get 3 AIR MILES Reward Miles for every $12 in purchases at participating AIR MILES Partners. Participating AIR MILES Partners may be added or removed at any time without notice, visit airmiles.ca/bmopartners for Partner details. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES Partners and credited to your account within 90 days after the end of the applicable statement period. The number of Miles awarded will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). The “3x the Miles” benefit available on eligible purchases and may be withdrawn or changed at any time without notice.
- Exclusive 25% Flight Booking Discount: If you have the BMO AIR MILES World Elite Mastercard, once per calendar year when you redeem Reward Miles for any flight booking, you will receive a 25% discount on the number of AIR MILES Reward Miles that are usually required (to a maximum of 750 Reward Miles) when you book through airmiles.ca or by calling 1-888-247-6453.
The flight booking discount applies to the full flight booking and will be distributed equally on each ticket included in the booking, to a maximum of 750 Miles total. For example, if your booking included three 1,500 Miles flights totalling 4,500 Miles, then each flight would receive a 250 Miles discount, and you’d be required to redeem 3,750 Miles for the booking. Any portion of the maximum 750 allocated discounted Miles unused in the one eligible flight booking transaction will be forfeited. You can choose when to apply the discount – for example, on your first flight booking in the calendar year; or save it to apply on another flight booking later in the year – but it can only be used once per calendar year with no carry-overs allowed to the following year. For greater clarification, the 25% flight booking discount resets every calendar year and cannot be accumulated over the years. This benefit can only be reset for the collector to use in the same calendar year if the original booking where the benefit was used is cancelled under all of the following conditions: (i) the booking was cancelled in full (not for partial cancellations; i.e., one ticket), (ii) the cancellation happens within the same year of booking, and (iii) the airline issues a full refund for the booking. This benefit does not apply to Cash + Miles rewards. There are no blackout periods for flight redemptions. This benefit does not apply to the cash portion of the flight redemption (such as airport improvement fees and booking fees) or to the flight component of package vacations and cruises. This benefit cannot be combined with any other offer.
Flight rewards offered are subject to the terms and conditions of the AIR MILES Reward Program, are subject to change, and may be withdrawn without notice. To use your Miles for flight rewards, you must have accumulated sufficient Dream Miles in your collector account. Some restrictions apply. Collectors must pay applicable surcharges, fees and taxes on flight rewards. Flight rewards may be subject to a minimum advance booking and availability from participating airlines. Changes, cancellations and refunds to flight tickets will follow the fare rules of the booking airline and may be subject to additional fees. For complete details, see current Program Terms and Conditions available at airmiles.ca.
- Mastercard Travel Pass benefit includes membership to participating lounges within the Mastercard Travel Pass provided by DragonPass program – approximate membership value of US$68. Enjoy lounge access for a fee of just US$32 per person, per visit. Mastercard Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Ltd. This benefit will be available to all cardholders of a BMO AIR MILES World Mastercard, BMO Cashback World Mastercard, BMO AIR MILES World Elite Mastercard or BMO Cashback World Elite Mastercard (all “eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at mastercardtravelpass.dragonpass.com or on the Mastercard Travel Pass mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating lounge must present their Mastercard Travel Pass mobile app or membership document showing the QR code and DragonPass membership number (this may be obtained by the eligible cardholder by registering an account at mastercardtravelpass.dragonpass.com or downloading the Mastercard Travel Pass application from the app store) to the lounge receptionist and reference “Mastercard Travel Pass provided by DragonPass.” Some offers may be subject to a per-person, per-visit charge. Where applicable and dependent upon the offer, access charges, including those for an accompanying guest, may be charged to your credit card. Value and benefits of the Mastercard Travel Pass complimentary membership are subject to change without notice.
- Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details.
- Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance that is sent to new cardholders. Insurance coverages are provided by CUMIS General Insurance Company, a member of The Co-operators group of companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca.
CUMIS General Insurance Company
P.O. Box 5065
151North Service Road
Burlington, Ontario
L7R 4C2
Canada
1-800-263-9120
www.cumis.com
- Get Miles twice when you use your BMO AIR MILES Mastercard or BMO AIR MILES World Elite Mastercard and show your AIR MILES Card at AIR MILES Partners. The amount 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 credit card.
- Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance that is sent to new cardholders. Insurance coverages are provided by CUMIS General Insurance Company, a member of The Co-operators group of companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca.
CUMIS General Insurance Company
P.O. Box 5065
151North Service Road
Burlington, Ontario
L7R 4C2
Canada
1-800-263-9120
www.cumis.com
- The contract ID number (3717122 for National Car Rental and 7014883 for Alamo Rent A Car) must be included when making a car rental reservation to receive discounts. Discount applies to base rate only at participating National Car Rental and Alamo Rent A Car locations. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges (including GST), license and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge and optional items (such as LDW up to US $30 per day) are extra. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice.
- BMO AIR MILES World Elite Mastercard cardholders receive 3x the Miles for every $10 spent. Miles are awarded per transaction at participating National Car Rental and Alamo Rent-A-Car locations in any monthly billing period.
- Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance that is sent to new cardholders. Insurance coverages are provided by CUMIS General Insurance Company, a member of The Co-operators group of companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca.
CUMIS General Insurance Company
P.O. Box 5065
151North Service Road
Burlington, Ontario
L7R 4C2
Canada
1-800-263-9120
www.cumis.com
- BMO AIR MILES Mastercard cardholders enjoy automatic AIR MILES Gold collector status and have access to the corresponding benefits as long as they remain a BMO AIR MILES Mastercard cardholder (“Partner Designation”). Should their BMO AIR MILES Mastercard cardholder status terminate, then requalification for Gold collector status is based on their collection of 500 eligible Reward Miles in a calendar year. Should they qualify for Onyx collector status based on their collection of 5,000 eligible Miles in a calendar year, then the Onyx collector status supersedes the Partner Designation. Eligible Miles are collected in connection with qualifying purchases made at participating AIR MILES partners; see the partner listing section on airmiles.ca. Certain Miles do not count towards the minimum eligible Mile requirement (“Exclusions”). Exclusions include, but are not limited to, refunded Miles, transferred Miles, any Miles collected through an employee incentive program, and Miles collected in connection with any specifically excluded offer. Partner Designation is determined by AIR MILES in its sole discretion. AIR MILES Gold collector status qualification requirements and benefits are subject to change at any time and without notice. See airmiles.ca/en/profile/status-benefits for the most up-to- date information.
- An administration fee (plus taxes) if applicable will apply for each flight order. Collector status flight offer applies only to Reward Miles used to order select flights updated each month on airmiles.ca.
- Quantities may be limited. Collector status merchandise offer applies to Reward Miles used to order select merchandise Rewards updated each month on airmiles.ca.
- Collector status flight and merchandise offers cannot be combined with any other offers such as Travel Specials and Deals of the Week. AIR MILES reserves the right to offer flights and merchandise for an equivalent or lesser number of Miles to all Collectors.
- Availability is limited and while supplies last. All orders and/or sales are final. These events are non-refundable and have no cash value. No exchanges or upgrades permitted. Not valid in combination with any other discount or special offer. See airmiles.ca/en/profile/status-benefits for details.
- Cardholders of the BMO AIR MILES World Elite Mastercard, BMO AIR MILES Business Mastercard and BMO AIR MILES Small Business World Elite Mastercard (“Eligible Cardholders”) enjoy automatic AIR MILES Onyx collector status and have access to the corresponding benefits as long as they remain a BMO AIR MILES World Elite Mastercard cardholder (“Partner Designation”). Should their BMO AIR MILES World Elite Mastercard cardholder status terminate, then requalification for Onyx collector status is based on their collection of 5,000 eligible Reward Miles in a calendar year. Eligible Miles are collected in connection with qualifying purchases made at participating AIR MILES partners; see the partner listing section on airmiles.ca. Certain Miles do not count towards the minimum 5,000 eligible Mile requirement (“Exclusions”). Exclusions include, but are not limited to, refunded Miles, transferred Miles, any Miles collected through an employee incentive program, and Miles collected in connection with any specifically excluded offer. Partner Designation is determined by AIR MILES in its sole discretion. AIR MILES Onyx collector status qualification requirements and benefits are subject to change at any time and without notice. See airmiles.ca/en/profile/status-benefits for the most up-to-date information.
® BMO is a registered trademark of Bank of Montreal.
®† "Sobeys" are trademarks of Sobeys Capital Incorporated. Used with permission by Bank of Montreal.
®†/™† Trademarks of AM Royalties Limited Partnership used under license by, AIR MILES Loyalty Inc. , Bank of Montreal and Sobeys Capital Incorporated
®* Trademarks of Mastercard International Incorporated. Used under license by Bank of Montreal.
®™ Trademarks of AM Royalties Limited Partnership used under license by AIR MILES Loyalty Inc. Partner, supplier and retailer trademarks are owned by the respective partner, supplier and retailer or authorized for their use in Canada.
®†/™† Trademarks of Bank of Montreal.
®*/™* Mastercard is a registered trademark, and Masterpass and the circles design is a trademark of Mastercard International Incorporated. Used under license.