Shell AIR MILES Mastercard from BMO Review

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 2 AIR MILES for every $20 spent at participating AIR MILES Partners, and get 1 AIR MILE for every $20 spent on eligible purchases elsewhere.
• Welcome bonus. Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
• 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%.
• 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

• Eligibility requirements

  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)

• Required documents and information

  • Your name, residential status and contact information.
  • Your social insurance number and date of birth.
  • Your email address and phone number.

How to apply

1. Click “Go to site” to be directed to the Shell AIR MILES Mastercard from BMO application.
2. Complete the application with details that include your name, email address, social insurance number and birth date.
3. 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.

Frequently asked questions about Shell AIR MILES Mastercard from BMO

• Does the Shell AIR MILES Mastercard from BMO come with a welcome offer?

  Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Show your AIR MILES Collector Card to earn more AIR MILES.

• Will my AIR MILES expire?

  No, your miles will continue to hold value as long as your account is active and in good standing.

• Can I apply online?

  Yes, you can apply by visiting the BMO bank website, or you can simply click “Go to Site” in the table above to be redirected to an application.

Pictures: bmo.com/ca