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Shell AIR MILES Mastercard from BMO Review

Claire Horwood

Last updated: Dec 17, 2020

If you spend big on gas and other products at Shell, you could earn rewards for your spending with the Shell AIR MILES Mastercard from BMO.

Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).

19.99%

Purchase Interest Rate

Annual Fee

Details

Product Name	Shell AIR MILES Mastercard from BMO
Reward	Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
Welcome Offer	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
Purchase Interest Rate	19.99%
Cash Advance Rate	22.99% (21.99% for Quebec residents)
Balance Transfer Rate	22.99%
Interest Free Period	Up to 21 days
	Apply now More Info

Annual Fee	$0
Monthly Service Fee	N/A
Over Credit Line Fee	$29
Balance Transfer Fee	3%
Penalty APR	24.99%
Dishonoured Payment Fee	$48
Foreign Currency Conversion Fee	2.5%
Cash Advance Minimum Fee	$5
Late Payment Fee	N/A
	Apply now More Info

Credit Score	660
Minimum Age	Age of majority in the province/territory of residence.
Minimum Income	$15,000
Household Income	N/A
	Apply now More Info

Claire Horwood

Claire Horwood is a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, along with an Associate's Degree in Science from Camosun College. Much of Claire's coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. She has also worked extensively in the field of "Blended Finance" with the Canadian government. In her spare time, Claire loves rock climbing, travelling and drinking inordinate amounts of coffee.

30-second take

Think about this card if you collect AIR MILES and regularly fuel up at Shell.

Choose something else if you’d prefer a higher return or want more benefits.

There are no income requirements to qualify for this card.

The basics

If you want a fee-free card that lets you earn extra AIR MILES, you might like to check out the Shell AIR MILES Mastercard from BMO.

No annual fee. Save money with no annual fee.
Earn AIR MILES. Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
Welcome bonus. Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
Purchase protection. Relax knowing your purchases are insured against damage with extended warranty coverage.

The perks

Tap and go payment. Pay instantly with Mastercard contactless payment and Apple Pay.
Enhanced security. Protect your purchases when you shop online with Mastercard SecureCode.
No fee for additional cards. Get as many cards as you want without having to pay an additional fee.

What to watch out for

Low return. Compared to other cards on the market, this AIR MILES card has a lower earn rate.
High interest. Any outstanding balance will face a rate of 19.99%, while cash advance transactions will cost 22.99% (21.99% for Quebec residents).
No travel perks. Even though you’re earning travel rewards, you won’t get any travel benefits like medical insurance, airport lounge access or flight discounts.

What should I know before I apply

To apply for a Shell AIR MILES Mastercard from BMO, you need to meet the following criteria:
- Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces)
- Your name, residential status and contact information.
- Your social insurance number and date of birth.
- Your email address and phone number.

How to apply

Click “Go to site” to be directed to the Shell AIR MILES Mastercard from BMO application.
Complete the application with details that include your name, email address, social insurance number and birth date.
Review and submit your application.

Bottom line

The Shell AIR MILES Mastercard from BMO is a good fit for AIR MILES collectors who regularly buy gas and other products at Shell. It comes with a welcome offer and basic insurance for no annual fee.