Terms & Conditions

¹ BMO AIR MILES World Elite Mastercard and BMO AIR MILES Mastercard applications must be received between October 17 and December 31, 2024 (the “Offer Period”) to be eligible for the AIR MILES Bonus Miles (the “Offer”). Offers are limited to new accounts. Existing BMO AIR MILES World Elite Mastercard customers or BMO AIR MILES Mastercard customers who cancel their card during the Offer Period, and existing BMO Mastercard customers who transfer into an eligible product during the Offer Period are not eligible for the Offer.

BMO AIR MILES World Elite Mastercard Limited Time Offer: In addition to Bonus Miles earned in connection with the “Welcome Offer” described in footnote 2 of these terms, new BMO AIR MILES World Elite Mastercard (“Credit Card”) customers who apply during the Offer Period can receive an additional 1,500 Bonus Miles when spending a minimum of $700 at eligible wholesale clubs and alcohol retailers on their new BMO AIR MILES World Elite Mastercard (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. Eligible wholesale clubs are those that are classified by Mastercard’s “Merchant Category Code” as “Wholesale Clubs” (MCC 5300); eligible alcohol retailers are those that are classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, and Liquor” (MCC 5921). BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a wholesale club, is classified by MCC 5300, or as an alcohol retailer, is classified by MCC 5921, and in no event will BMO be liable or responsible for any claims with respect to a purchase at wholesale clubs or alcohol retailers that are made at a merchant that is not classified by MCC 5300 or 5921 respectively. The Bonus Miles will be credited to the primary Credit Cardholder’s Collector Account within ninety (90) business days following the qualifying $700 spend. All Bonus Miles are 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 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. Offer cannot be combined with 800 Bonus Miles Offer for new BMO AIR MILES Mastercard customers.

BMO AIR MILES Mastercard Limited time Offer: In addition to Bonus Miles earned in connection with the “Welcome Offer” described in footnote 3 of these terms, new BMO AIR MILES Mastercard (“Credit Card”) customers who apply during the Offer Period can receive an additional 800 Bonus Miles when spending a minimum of $400 at eligible wholesale clubs and alcohol retailers on their new BMO AIR MILES Mastercard (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. Eligible wholesale clubs are those that are classified by Mastercard’s “Merchant Category Code” as “Wholesale Clubs” (MCC 5300); eligible alcohol retailers are those that are classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, and Liquor” (MCC 5921). BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a wholesale club, is classified by MCC 5300, or as an alcohol retailer, is classified by MCC 5921, and in no event will BMO be liable or responsible for any claims with respect to a purchase at wholesale clubs or alcohol retailers that are made at a merchant that is not classified by MCC 5300 or 5921 respectively. The Bonus Miles will be credited to the primary Credit Cardholder’s Collector Account within ninety (90) business days following the qualifying $400 spend. All Bonus Miles are 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 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. Offer cannot be combined with 1,500 Bonus Miles Offer for new BMO AIR MILES World Elite Mastercard customers.

² BMO AIR MILES World Elite Mastercard applications must be received between October 17, 2024 and December 31, 2024 (the “Offer Period”) to be eligible for the AIR MILES Bonus Miles and Annual Fee Refund offers (each an “Offer” and collectively the “Offers”). Offers are limited to new accounts. 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 product during the Offer Period are not eligible for 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 AIR MILES 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, as amended from time to time. 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 in the first year and will appear as a fee and a credit on the primary cardholder’s first statement. 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. 3000 Bonus Miles offer cannot be combined with the 1500 Bonus Miles offer for new BMO AIR MILES Mastercard applicants.

³ BMO AIR MILES Mastercard applications must be received between October 17 to December 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 AIR MILES 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 Accounts) at the time of posting. The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program terms and conditions, as amended from time to time. Limit of one (1) Bonus Offer per collector account. If you cancel your card within ninety (90) days of opening your account, the bonus Reward Miles will be cancelled. This offer may be changed, extended or withdrawn at any time without notice. Offer cannot be combined with the 3000 Bonus Miles offer for new BMO AIR MILES World Elite Mastercard applicants.

⁴ BMO AIR MILES World Elite Mastercard cardholders will earn 2 AIR MILES Reward Miles for every $12 in purchases made at eligible Grocery merchants classified by Mastercard’s “Merchant Category Code” as “Grocery Stores and Supermarkets” (MCC 5411). Grocery purchases at participating AIR MILES Partners will not be eligible for this offer; however, they will continue to earn the “3x the Miles” benefit. For a list of current participating partners, please visit airmiles.ca/3xmiles. Multiplier Miles will be earned on eligible grocery purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will BMO be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants 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) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.

⁵ Starting April 23, 2024, BMO AIR MILES Mastercard cardholders will earn 2 AIR MILES Reward Miles for every $25 in purchases made at eligible Wholesale Clubs classified by Mastercard’s “Merchant Category Code” as “Wholesale Clubs” (MCC 5300) and every $25 in purchases made at eligible Alcohol and Liquor merchants classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, and Liquor” (MCC 5921). Wholesale Clubs and Alcohol and Liquor purchases at participating AIR MILES Partners will not be eligible for this offer; however, they will continue to earn the “3x the Miles” benefit. For a list of current participating partners, please visit airmiles.ca/3xmiles. Multiplier Miles will be earned on eligible purchases at Wholesale Clubs up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Multiplier Miles will be earned on eligible Alcohol and Liquor purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as Wholesale Clubs, is classified by MCC 5300 or as a Alcohol and Liquor store, is classified by MCC 5921 and in no event will BMO be liable or responsible for any claims with respect to a purchase at Wholesale Clubs or Alcohol and Liquor stores made at a merchant that is not classified by MCC 5300 or 5921 respectively. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your AIR MILES collector 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) and are subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement, as amended from time to time. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.

⁶ 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 to a maximum of $750 (7,125 Cash Miles) per day (gift cards and near-cash products are excluded and other exclusions may also apply); maximum of $60 per transaction (570 Cash Miles), up to 5 eligible transactions totalling $300 per day at Shell; and online at airmiles.ca/cash in increments of 95 Cash Miles for every $10 worth of value from participating reward partners to a maximum of $750 (7,125 Cash Miles) per day. Evouchers can be used at participating reward partners’ locations in Canada only. See specific evoucher reward page for details including any applicable limits and restrictions. You must have accumulated sufficient Cash Miles in your collector account in order to use Miles towards in-store purchases and evouchers. 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.

⁷ 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. To use Miles for merchandise, certificate and event rewards, you must have accumulated sufficient Dream Miles in your collector account. Some restrictions may apply. Quantities may be limited. Merchandise rewards include all taxes, shipping and handling costs. No cancellations, exchanges or refunds for merchandise, certificates or tickets once booked or ordered. Manufacturers’ warranties apply to merchandise rewards. AIR MILES Loyalty Inc. makes no representations or warranties, expressed or implied. For complete details, see current Program terms and conditions available at airmiles.ca.

⁸ Starting April 23, 2024, BMO AIR MILES World Elite Mastercard cardholders will earn 2 AIR MILES Reward Miles for every $12 in purchases made at eligible Wholesale Clubs classified by Mastercard’s “Merchant Category Code” as “Wholesale Clubs” (MCC 5300) and every $12 in purchases made at eligible Alcohol and Liquor merchants classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, and Liquor” (MCC 5921). Wholesale Clubs and Alcohol and Liquor purchases at participating AIR MILES Partners will not be eligible for this offer; however, they will continue to earn the “3x the Miles” benefit. For a list of current participating partners, please visit airmiles.ca/3xmiles. Multiplier Miles will be earned on eligible purchases at Wholesale Clubs up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Multiplier Miles will be earned on eligible Alcohol and Liquor purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as Wholesale Clubs, is classified by MCC 5300 or as a Alcohol and Liquor store, is classified by MCC 5921 and in no event will BMO be liable or responsible for any claims with respect to a purchase at Wholesale Clubs or Alcohol and Liquor stores made at a merchant that is not classified by MCC 5300 or 5921 respectively. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your AIR MILES Collector 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) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.

⁹ BMO AIR MILES Mastercard cardholders will earn 2 AIR MILES Reward Miles for every $25 in purchases made at eligible Grocery Merchants classified by Mastercard’s “Merchant Category Code” as “Grocery Stores and Supermarkets” (MCC 5411). Grocery purchases at participating AIR MILES Partners will not be eligible for this offer; however, they will continue to earn the “3x the Miles” benefit applicable to purchases at participating partners. For a list of current participating partners, please visit airmiles.ca/3xmiles. Multiplier Miles will be earned on eligible grocery purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will BMO be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants 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) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.

All offers described herein are subject to change and may be withdrawn without notice.

AIR MILES, Shell and BMO reserve the right, in their sole discretion, to suspend, disqualify, limit or revoke these offers to any person or account holder manipulating or otherwise abusing the process, fairness, integrity or operation of the offer. These offers will be in addition to any other offers available for you.

Offers are subject to the Terms and Conditions of your BMO Mastercard Cardholder Agreement.

^†/®†Trademark/Registered trademark of Bank of Montreal.
^®*/™*Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.
^®†Trademarks of AM Royalties Limited Partnership used under license by AIR MILES Loyalty Inc. and Bank of Montreal.
^®±“Shell” and the Shell Pecten are trademarks of Shell Brands International AG. Used under license. Used with permission by Bank of Montreal.