TERMS AND CONDITIONS
*If you are eligible for a pre-approved offer from BMO, it may take 3-4 months for an offer to arrive. Opting-in now will not impact your ability to apply for any other offers you may receive from BMO.
**To qualify for the 30 Bonus Miles, you must click the "Opt in" button in the email offer invitation by April 29, 2025 and provide your AIR MILES collector number when opting in to receive BMO pre-approved credit card offers. A limit of one (1) offer applies per AIR MILES collector number. Offer can be combined with other AIR MILES offers. The Bonus Miles will be posted to your collector account within 4 weeks of the offer end date. Offer is subject to change without notice.
1 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, 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.
2 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, 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.
3 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, 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.
4 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, 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.
5 This cents off per litre offer is available only to AIR MILES collectors who have linked their BMO credit or debit card with their AIR MILES collector number. This offer is exclusive to BMO personal banking credit and debit cards, as well as the Small Business credit cards, including Credit Line for Business Mastercard. BMO corporate and commercial credit and debit cards, business banking debit cards, USD credit cards, and Prepaid credit cards do not qualify for this offer. To receive the savings at the pump, the eligible AIR MILES collector number must be connected to your BMO credit or debit card and the eligible AIR MILES collector number must be valid at the time of the purchase transaction. To qualify for the offer, eligible collectors with a BMO credit or debit card: can receive their fuel discount at the pump once the customer inputs their AIR MILES collector number and completes the payment with the BMO credit or debit card that has been linked to their AIR MILES collector number. BMO AIR MILES credit card holders with a valid AIR MILES collector number 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, 2025, to a maximum of 1,000 litres in one month. BMO non-AIR MILES credit and debit card holders, including other BMO Mastercard and BMO Visa holders must manually link their credit or debit card to an existing or new AIR MILES collector number at airmilescardlink.ca/bmo-shell-benefit to be eligible for this offer. The linking process can take up to 5 days before the benefit is provided, then eligible AIR MILES collectors 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 V-Power NiTRO+ 93) at Shell (excluding Flying J locations) between March 18, 2024, to December 31, 2025, to a maximum of 1,000 litres in one month. This is a limited-time offer and may be changed, extended, or withdrawn at any time without notice. All BMO AIR MILES Mastercard credit card holders are automatically linked to their AIR MILES collector number, and thus, are automatically eligible for this offer, although it can take up to 5 days before the benefit is provided. All BMO non-AIR MILES Mastercard credit holders, by linking their BMO Mastercard to their AIR MILES collector number, are automatically enrolled in this Shell CPL offer and in other AIR MILES card-linked offers. To learn more about other AIR MILES card-linked offers, visit airmiles.ca/cardlinkedoffers. 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.
6 Blue collectors can transfer up to 500 Reward Miles™ per calendar year between their AIR MILES Cash and Dream Accounts. For greater clarity, the limit of 500 Miles is cumulative; all transfers from Cash to Dream and from Dream to Cash will contribute to the total annual limit. AIR MILES Gold® collectors can transfer up to 3,000 Reward Miles™ per day between their AIR MILES Cash and Dream Accounts. AIR MILES Onyx collectors can transfer an unlimited number of Reward Miles between their AIR MILES Cash and Dream Accounts per calendar year. There is a daily transfer limit of 3,500 Miles between a collector’s AIR MILES Cash and Dream Accounts through the AIR MILES website and app’s digital Transfer Miles feature. Onyx collectors can transfer more than the daily digital limit of 3,500 Miles by calling AIR MILES Customer Care and completing verification requirements. There is no fee associated with the Transfer Miles feature between a collector’s Cash and Dream accounts. To use the Transfer Miles feature, first log in to your AIR MILES account on airmiles.ca or in the AIR MILES App and visit the Transfer Miles page. Then, select the transfer type (Cash to Dream or Dream to Cash), enter the amount of Miles you wish to transfer and confirm the transfer by clicking the “transfer” button. Once confirmed, transfers are final; reversing the transfer will be considered a second transfer and will contribute to the annual transfer limit applicable to Blue collectors. AIR MILES reserves the right to revise or amend the Transfer Miles limit or to revise, pause, or cancel the Transfer Miles feature in part or in whole at any time without prior notice to you. Please visit https://www.airmiles.ca/en/transfer-balance.html for more details.
7 Based on competitive intelligence as of March 26, 2025. 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.
8 BMO®† AIR MILES® World Elite®* Mastercard®* applications must be received between March 24, 2025 and May 31, 2025 (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 credit card cardholders who transfer into this product during the Offer Period are not eligible for the Offers.
a) Up to 7,000 AIR MILES Bonus Miles (up to $730 in value with Cash Miles)
Eligible approved applicants will receive:
i. A bonus of 3,000 Bonus Miles will be applied to the primary Credit Cardholder’s Collector Account 110 days after the credit card account open date after you spend a minimum of $4,500 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 days after the account open date.
ii. A further bonus of an additional 2,000 Bonus Miles will be applied to the primary Credit Cardholder’s Collector 180 days after the account open date when you spend a minimum of $10,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 180 days after the account open date.
iii. An additional bonus of 2,000 Bonus Miles will be applied the primary Credit Cardholder’s Collector 365 days after the account open date when you spend $20,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days after the account open date.
iv. 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 Welcome Offer per Collector Number.
Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Bonus Miles to be credited to your AIR MILES primary Credit Cardholder’s Collector Account provided the account is open and in good standing. If the Credit Card is cancelled within 365 days from the date it was opened, all Bonus Miles earned within that period may be cancelled.
9 BMO AIR MILES Mastercard applications must be received between March 24, 2025 and May 31, 2025 (the “Offer Period”). 1,600 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.
In order to earn the 1,600 Bonus Miles, the following conditions must be met:
a. Spend $1,500 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 days after the account open date.
b. Keep the account open and in good standing for at least 110 days
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. 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. Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Bonus Miles to be credited to your AIR MILES primary Credit Cardholder’s Collector Account provided the account is open and in good standing. If the Credit Card is cancelled within 110 days from the date it was opened, all Bonus Miles earned within that period may be cancelled.
10 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.
®™ Trademarks of AM Royalties Limited Partnership used under license by AIR MILES Loyalty Inc. and by Bank of Montreal.
®† 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.
