Terms and Conditions
1 Based on competitive intelligence as of March 23, 2024. No other credit card issued by a Canadian Financial Institution in partnership with a fuel provider offers a more competitive accelerated loyalty program points earn as an embedded, always-on benefit of the same value.
BMO AIR MILES credit card holders with a valid AIR MILES collector account will receive an instant discount of $0.02 per litre on regular fuel (Shell Bronze and Shell Silver) and $0.07 per litre of premium fuel (Shell V-Power NiTRO+ or Shell V-Power NiTRO+ 91 or Shell VPower NiTRO+ 93) at Shell (excluding Flying J locations) between March 18, 2024, to December 31, 2024, to a maximum of 1,000 litres in one month. BMO, AIR MILES, and Shell reserve the right, in their sole discretion, to suspend, disqualify, limit or revoke this offer to any person or account holder manipulating or otherwise abusing the process, fairness, integrity or operation of the offer. This offer will be in addition to any other offers available for you. Shell and their affiliates are not liable or responsible for any of the services and products offered/provided by BMO. Please note that any information you provide directly to Shell or that Shell obtains about you as a Shell customer or participant will be governed by Shell’s Privacy Notice. Offer is subject to the Terms and Conditions of your BMO Mastercard Cardholder Agreement or BMO Visa Cardholder Agreement.
2 BMO AIR MILES World Elite Mastercard applications must be received by November 30, 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”). Bonus 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. 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 by November 30, 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 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. 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. 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.
5 Starting April 23, 2024, BMO AIR MILES Mastercard cardholders will earn 2 AIR MILES Bonus Miles, including the base earn rate of 1 Mile for every $25 in eligible purchases, for every $25 in purchases made at eligible Wholesale Club merchants classified by Mastercard’s “Merchant Category Code” as “Wholesale Club” (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, Liquor” (MCC 5921). 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/en/promotions/bmo3x/bmo-promo-partners.html. Multiplier Miles will be earned on eligible Wholesale Club purchases 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 a Wholesale Club store, 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 Wholesale Club store or Alcohol and Liquor store purchase made at a merchant that is not classified by MCC 5300 or 5921 respectfully. 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, each 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 Starting April 23, 2024, BMO AIR MILES World Elite Mastercard cardholders will earn 2 AIR MILES Bonus Miles, including the base earn rate of 1 Mile for every $12 in eligible purchases, for every $12 in purchases made at eligible Wholesale Club merchants classified by Mastercard’s “Merchant Category Code” as “Wholesale Club” (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). 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/en/promotions/bmo3x/bmo-promo-partners.html. Multiplier Miles will be earned on eligible Wholesale Club purchases 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 a Wholesale Club store, 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 Wholesale Club store or Alcohol and liquor store purchase made at a merchant that is not classified by MCC 5300 or 5921 respectfully. 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, each 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.
7 BMO AIR MILES World Elite Mastercard cardholders will earn 1 additional 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, for a total of 2 Miles earned for every $12 in eligible purchases, 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, each 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.
8 BMO AIR MILES Mastercard cardholders will earn 1 additional 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) starting August 1, 2022, for a total of 2 Miles earned for every $25 in eligible purchases, 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, each 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.
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