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BMO AIR MILES World Mastercard Review

Earn AIR MILES faster to get bigger discounts on travel, merchandise and more.

No longer offered in the market

The BMO AIR MILES World Mastercard is no longer available. However, we’ve kept the information online for those who are interested.

You can compare more BMO credit cards here.

The BMO AIR MILES World Mastercard offers 1 mile for every 15 dollars you spend on your card. It also comes with a good mix of travel benefits and the potential to earn bonus miles at select locations.

30-second take

  • Think about this card if you collect AIR MILES and want decent travel perks.
  • Choose something else if you’d prefer a cashback card or don’t want to pay an annual fee.
  • Your minimum annual income needs to be $60,000, or you should have a household income of $100,000.

The basics

Whether you’re an AIR MILES fanatic or just looking to save money on your next trip, the BMO AIR MILES World Mastercard could be right up your alley.

  • Decent return. Earn 1 mile for every $15 you spend on your card (which works out to around 67 miles for every $1,000 in purchases).
  • Bonus miles. Earn an extra 1.25x bonus miles for any purchases you make at Shell (including gas).
  • Flexible redemption. Cash your miles in for travel or merchandise, but there are no cashback rewards.
  • Earn 2x the rewards. Earn more miles when you pay on your card after showing your membership at AIR MILES partners.
  • Purchase protection. Rest easy knowing your purchases are protected with extended warranty and insurance coverage.
  • Travel benefits. Get access to a full suite of travel insurance, including common carrier insurance and coverage for accidental death and dismemberment.

The perks

  • Car rental discounts. Lock in discounts on car rentals with National Car Rental and Alamo Rent A Car in addition to a 1.5x return on AIR MILES.
  • Car rental insurance. Get automatic insurance on your rental when you pay for the car on your credit card.
  • Airport lounge access. Pay only US$27 to get into over 800 airport lounges around the world.
  • Fraud proof. Avoid paying for fraudulent activity on your account with zero liability coverage.
  • Enhanced security. Protect your purchases when you shop online with Mastercard SecureCode.
  • Optional benefits. Pay an additional fee to get benefits like roadside assistance, balance protection or credit card alerts.

What to watch out for

  • High annual fee. The fee for this card is just under $100 per year.
  • No welcome bonus. There’s no introductory rate in your first few months of use.
  • High interest. Interest rates are at least 10% higher than what you might pay on a low-interest card.
  • No travel medical. Travel insurance doesn’t cover basic overseas medical insurance.
  • Fee for additional cards. You’ll have to pay a fee to add additional cards onto your account.
  • Income requirements. Your income will need to be $60,000 per year to qualify for this card, but you can get by with a household income of $100,000.

What should I know before I apply

How to apply

  1. Go to BMO’s website and search for BMO® AIR MILES®† World Mastercard®* to begin your application.
  2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
  3. Review and submit your application.

Bottom line

The BMO AIR MILES World Mastercard is designed for AIR MILES collectors who want to earn more miles on everyday purchases. It comes with comprehensive travel insurance (except travel medical) and added perks like airport lounge access and bonus miles at Shell and other participating locations.

Frequently asked questions about the BMO AIR MILES World Mastercard

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