BMO^®† AIR MILES^® Mastercard^®* cardholders will earn 1 AIR MILES Reward Mile for every $25 in purchases made at eligible grocery merchants classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411) starting August 1, 2022, to earn 2 total Miles including the base earn rate. 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/BMOpartners. Reward 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 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 The offer is available on eligible purchases and may be withdrawn or changed at any time without notice.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.

BMO^®† AIR MILES^® World Elite^®* Mastercard^®* cardholders will earn 1 AIR MILES Reward Mile for every $12 in purchases made at eligible grocery merchants classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411) starting August 1, 2022, to earn 2 total Miles including the base earn rate. 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/BMOpartners. Reward 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 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.

3x the Miles: BMO^®† AIR MILES^® Mastercard^®* cardholders will get 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.

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/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 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.

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 Reward Program 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.

Get Miles twice when you use your BMO AIR MILES Mastercard and show your AIR MILES card at AIR MILES partners. The amount of Miles you collect depends on the earn rate offered by the AIR MILES partner and the earn rate offered on your BMO AIR MILES credit card.