Best Air Miles Credit Cards in Canada in 2018

Last updated on August 19, 2018 Views: 5307 Comments: 21
In this article

Nothing beats a free vacation, and that’s exactly what Air Miles give you. With Air Miles, you earn points whenever you show your Air Miles membership card when making a purchase at one of the many participating merchants in Canada. Once you earn enough Air Miles, you can redeem them for flights and vacations, movie tickets, or other free items.

Air Miles is Canada’s most popular loyalty program, partly because we love free vacations, and partly because it is so diverse. There are over 100 merchants that participate in Air Miles, plus you can earn Air Miles points even faster by using a BMO or Amex Air Miles credit card to pay for your purchase. Air Miles never expire and can be redeemed for so many different things – kitchen appliances, electronics, and even cash balances at participating stores.

What Are Air Miles?

Air Miles, also called Air Miles Points, are a form of rewards points. You earn Air Miles by showing your membership card in participating online and brick and mortar stores, using an Air Miles credit card for any purchase, or by buying extra Miles online. After you’ve collected enough Miles you can redeem them for cash, movie tickets, flights, or other items.

Everyone always asks what their Air Miles are worth in cash terms, but it’s not so easy to answer. It depends on what you plan to redeem them for and where you go to redeem them. One Air Mile is worth something between $0.12 and $0.194, but you’ll find a more complete list in the GreedyRates Loyalty Program Bible.

How to Apply for an Air Miles Collector Card

The hardest part about applying for an Air Miles credit card in Canada is choosing from the many options available. The best Air Miles credit card is different for everyone, depending on your spending habits and financial situation. Here are some crucial features to look for:

  • Annual fee
  • Basic Air Miles earn rate
  • Accelerated Air Miles earn rate and where you can earn
  • Welcome bonus
  • Additional special offers like discounts and travel insurance
  • Interest rates for balance transfer

Once you’ve chosen the best Air Miles credit card for you, you can follow one of the below links and apply online with ease.

Summary of Best Air Miles Credit Cards in Canada in 2018

Credit CardSpecial Card Features
Annual FeeCard ReviewApply for Card
BMO AIR MILES No-Fee MasterCard500 bonus Miles
Acc.: 2 Miles / $20
Base: 1 Mile / $20
$0Read MoreApply Now
American Express Air Miles Credit Card500 bonus Miles
Acc.: 1 Mile / $15
Base: 1 Mile / $20
$0Read MoreApply Now
American Express Air Miles Platinum2000 bonus Miles
Acc.: 1 Mile / $10
Base: 1 Mile / $15
$65Read MoreApply Now
BMO Air Miles World Elite Mastercard2000 bonus Miles
Base: 1 Mile / $10
$120Read MoreApply Now
BMO SPC Air Miles Mastercard500 bonus Miles
Base: 1 Mile / $20
$0Read MoreApply Now
BMO Shell Air Miles World Mastercard bonus Miles
Acc.: 1.25 Miles / $20 (Shell)
Base: 1 Mile / $20
$99Read MoreApply Now
BMO IGA Air Miles Mastercard500 bonus Miles
Acc.: 2 Miles / $20 (IGA)
Base: 1 Mile / $20
$0Read MoreApply Now
BMO Sobeys Air Miles Mastercard500 bonus Miles
Acc.: 2 Miles / $20 (Sobeys, Foodland)
Base: 1 Mile / $20
$0Read MoreApply Now
Amercian Express Air Miles for Business Card2000 bonus Miles
Acc.: 1 Mile / $10
Base: 1 Mile / $15
$180Read MoreApply Now
BMO Air Miles for Business Mastercard3000 bonus Miles
Base: 1 Mile / $10
$120Read MoreApply Now
BMO Air Miles No Fee Business Mastercard500 bonus Miles
Base: 1 Mile / $20
$0Read MoreApply Now

Best No Annual Fee Air Miles Cards

BMO Air Miles MastercardBMO Air Miles No-Fee MasterCard

Eligibility Criteria:
– Credit score required: fair_good
– Min personal income required: $15000
– Annual fees: $0 

Because the BMO Air Miles No Fee Mastercard has $0 annual fee, you basically earn Air Miles for free whenever you shop. Plus the card’s welcome bonus of 500 Air Miles comes through as soon as you make any purchase—there’s no minimum spend. You’d otherwise have to spend $10,000 to earn that many Miles.

On top of the basic earn rate of 1 Air Mile per $20 charged, you can get up to a 25% discount at National Car Rental and Alamo Rent-a-Car. The 1.99% introductory interest rate for balance transfers in the first 9 months means that the card can also help you consolidate credit card balances and reduce the amount you pay in interest.

  • $0 annual fee
  • 500-Mile welcome bonus
  • Basic earn rate of 1 Air Mile per $20 spent
  • 1.99% interest rate on balance transfers for the first 9 months

Click here to apply for the BMO Air Miles No Fee Mastercard


American Express Air Miles Credit Card

Eligibility Criteria:
– Credit score required: fair_good
– Min personal income required: $0
– Annual fees: $0 

Not only is there $0 annual fee for the American Express Air Miles card, but there’s also $$0 charge for supplementary cards, so you can earn Miles even faster. The basic earn rate of 1 Air Mile for every $20 you spend is amplified when you shop at Air Miles sponsors, where you’ll earn 1 Mile per $15 spent. Although it should take up $10,000 in purchases to earn 500 Air Miles, you can earn that much as a welcome bonus after spending just $500 on your new American Express Air Miles card. On top of that, you’ll get up to $100,000 of travel insurance, purchase protection, and American Express entertainment perks. Finally, there’s a low-interest rate of only 1.99% on eligible balance transfers within the first 6 months of getting the card.

  • $0 annual fee
  • $0 supplementary cards
  • 500-Mile welcome bonus
  • $100,000 travel accident insurance
  • 1 Air Mile per $15 spent at Air Miles sponsors; 1 Mile per $20 spent elsewhere

Click here to apply for the American Express Air Miles Credit Card

Best Air Miles Card Welcome Bonus

American Express Air Miles Platinum Credit CardAmerican Express Air Miles Platinum

Eligibility Criteria:
– Credit score required: null
– Min personal income required: $0
– Annual fees: $65 

For the sweetest Air Miles bonus in Canada, turn to the American Express Air Miles Platinum card. You’ll get 2000 Miles with just a minimum spend of $1,500 in the first 3 months. Although the card has a $65 annual fee, it would cost you way more than that to earn 2000 Air Miles on another card – up to $40,000 in purchases. Free supplementary cards make it even easier to earn Air Miles, and you get 1 per $10 spent at Air Miles sponsor stores and 1 per $15 everywhere else. Finally, travel accident insurance of up to $100,000, car rental damage waiver, and purchase protection are also included with the card.

  • minimum spend of $1,500 in the first 3 months-Mile welcome bonus
  • $0 supplementary cards
  • 1 Air Mile per $10 spent at Air Miles sponsors
  • 1 Air Mile per $15 spent elsewhere
  • Car rental damage waiver

Click here to apply for the American Express Air Miles Platinum credit card

Best Air Miles High Earn Rate Credit Cards

BMO Air Miles World Elite MastercardBMO Air Miles World Elite Mastercard

Eligibility Criteria:
– Credit score required: good_excellent
– Min personal income required: $80000
– Annual fees: $120 

You have an Air Miles credit card to earn Air Miles, so it might make sense to choose the card that lets you earn them as quickly as possible, even if it comes with $120 annual fee. BMO’s Air Miles World Elite Mastercard has a flat earn rate of 1 Air Mile per $10 spent anywhere, up to a maximum monthly spend of $7,000. You also get a welcome bonus of 2000 Air Miles on your first purchase. BMO even waives the annual fee of $120 in the first year, so you can get over 5,000 Air Miles in your first 3 months of card ownership without paying any fees at all. Travel insurance and airport lounge access are the icing on the cake.

  • $120 
  • 2000 -Mile welcome bonus
  • Earn 1 Air Mile per $10 spend anywhere
  • Travel insurance
  • Airport lounge access

Click here to apply for BMO Air Miles World Elite Mastercard

Best Student Air Miles Card

BMO SPC Air Miles MastercardBMO SPC Air Miles Mastercard

Eligibility Criteria:
– Credit score required: poor_fair
– Min personal income required: $0
– Annual fees: $0 

Students love travelling as much as anyone else, so why shouldn’t they get to earn Air Miles too? The BMO SPC Air Miles Mastercard has $0 annual fee and no minimum purchase requirement to trigger the 500-Mile welcome bonus, plus you’ll earn a standard 1 Air Mile per $20 spent anywhere. The credit card also brings you discounts of between 10% and 15% at hundreds of stores and free extended purchase protection.

  • $0
  • 1 Air Mile per $20 spent anywhere
  • 500-Mile welcome bonus

Click here to apply for the BMO SPC Air Miles Mastercard

Best Lifestyle Air Miles Credit Card

BMO Shell Air Miles World MastercardBMO Shell Air Miles World Mastercard

Eligibility Criteria:
– Credit score required: good_excellent
– Min personal income required: $60000
– Annual fees: $99 

If you’re a frequent shopper at Shell locations, you’ll find the BMO Shell Air Miles World Mastercard is used more often than any other in your wallet. Earn 1.25 times the Miles when you shop at Shell locations and 1 Air Mile per $15 spent everywhere else. You’ll get car rental damage waiver coverage and extensive travel insurance too with this hard-working, everyday credit card.

  • 1 Air Mile for every $15 spent
  • 1.25 times the Air Miles at Shell locations
  • Travel insurance

Click here to apply for the BMO Shell Air Miles World Mastercard

Best Air Miles Cards for Families

BMO IGA Air Miles MastercardBMO IGA Air Miles Mastercard

Eligibility Criteria:
– Credit score required: fair_good
– Min personal income required: $15000
– Annual fees: $0 

It can cost a lot to feed a growing family, but earning double the Air Miles on every grocery bill at IGA across Quebec makes it a little easier. IGA purchases earn 2 Air Miles per $20, plus a welcome bonus of 500 Miles on your first purchase, no matter how small.

  • $0 
  • 500-Mile welcome bonus
  • 2 Miles per $20 spent at IGA
  • 1 Mile per $20 spent anywhere else

Click here to apply for the BMO IGA Air Miles Mastercard

BMO Sobeys Air Miles MasterCardBMO Sobeys Air Miles Mastercard

Eligibility Criteria:
– Credit score required: fair_good
– Min personal income required: $15000
– Annual fees: $0 

If you don’t shop at IGA or don’t live in Quebec, but you want to get more back on your grocery bills, the BMO Sobeys Air Miles Mastercard is a great choice. You’ll earn 2 Air Miles for every $20 spent at Sobeys, Foodland, or IGA grocery stores in locations across Canada, plus 1 Air Mile per $20 spent everywhere else. There’s $0  annual fee, so your Air Miles are effectively free. What’s more, you can enjoy a welcome bonus of 500 Air Miles when you make your first purchase on the card.

  • $0 
  • 2 Air Miles per $20 spend at Sobeys, Foodland, and IGA
  • 1 Air Mile per $20 spend everywhere else
  • Welcome bonus 500 Air Miles

Click here to apply for the BMO Sobeys Air Miles Mastercard

Best Air Miles Cards for Business

American Expres Air Miles Gold BusinessAmerican Express Air Miles for Business Card

Eligibility Criteria:
– Credit score required: fair_good
– Min personal income required: $
– Annual fees: $180 

You can enjoy a great earn rate for Air Miles on your business credit cards, too. An earn rate of 1 Mile per $10 at Air Miles sponsors and 1 Mile per $15 spend everywhere else is pretty good. There’s also a 25% discount when you redeem your Air Miles for business rewards, reassuring insurance for purchases and travel, and a very attractive 2000-Mile welcome bonus for a minimum spend of $5,000 in the first 3 months of card membership.

  • 25% discount on business rewards
  • 2000-Mile welcome bonus
  • 1 Air Mile per $15 spent everywhere else
  • 1 Air Mile per $10 spent at Air Miles sponsors

Click here to apply for the American Express Air Miles for Business card


BMO Air Miles Business MastercardBMO Air Miles Business Mastercard

Eligibility Criteria:
– Credit score required: null
– Min personal income required: $0
– Annual fees: $120 First year free

Businesses will earn 1 Air Mile for every $10 spent anywhere, plus an awesome welcome bonus of up to 3000 Miles for a minimum spend of $5,000 in the first 3 months. Given these benefits the card’s annual fee is very reasonable at $120 First year free! Travel insurance, car rental damage waiver, and purchase protection are bundled in too, making it a high-earning, hard-working Air Miles credit card for businessmen and women across Canada.

  • $120 First year free
  • 1 Air Mile per $10 spent everywhere
  • Welcome bonus up to 3000 Air Miles
  • Travel insurance and car rental damage waiver

Click here to apply for the BMO Air Miles Business Mastercard

Best No Annual Fee Air Miles Cards for Business

BMO AIR MILES No-Fee Business MastercardBMO Air Miles No-Fee Business Mastercard

Eligibility Criteria:
– Credit score required: null
– Min personal income required: $0
– Annual fees: $0 

The BMO Air Miles No-Fee Business Mastercard has the biggest welcome bonus for a no-fee business card. You’ll get 500 Air Miles free as soon as you make any purchase with your new card, and continue earning 1 Air Mile for every $20 you spend, which can add up with all those business expenses. Business owners will also appreciate the Liability Waiver program which protects your business if an employee abuses their business credit card.

  • 1 Air Mile for every $20 spent, anywhere
  • 500 Air Miles welcome bonus
  • $0  annual fee
  • Liability Waiver program for small businesses

Click here to apply for the BMO Air Miles No-Fee Business Mastercard

Credit CardBMO AIR MILES World Elite MastercardBMO SPC Student AIR MILES MastercardThe American Express AIR MILES Credit Card
BMO No-Fee AIR MILES MastercardBMO Sobeys AIR MILES MastercardThe American Express AIR MILES Platinum Credit CardThe American Express AIR MILES Reserve Credit Card
Annual Fee$120$0$0$0$0$65$299
Supplementary Card$50$n/a$$0$n/a$n/a$$0$50
Sign-Up Bonus AIR MILES3,000 (offer valid until April 30th, 2018)5005005005002,0002,400
Interest Rate19.99%19.99%19.99%19.99%19.99%19.99%19.99%
Base Earn Rate 1 mile : $101 mile : $201 mile : $201 mile : $201 mile :$201 mile : $151 mile : $15
Earn Rate at AIR MILES PARTNERS1 mile : $10
(all AIR MILES Partners)
1 mile : $15
(all AIR MILES Partners)
2 Miles: $202 Miles : $20 @ Sobeys and Air Miles partners1 mile : $10
(all AIR MILES Partners)
1 mile : $10 (all AIR MILES Partners)
Perks & Bonuses!2 Free airport lounge passes
15% discount on AIR MILES flights in North America
10%-15% Student discounts at hundreds of storesN/ACar rental discountsN/A1 mile : $10
(grocery, gas, drugstore)
Free companion flight ticket!
4 Free airport lounge access passes
FlexFly Redemptions
Redeem for flight taxes & fees
AIR Miles flight admin fees are waived
InsuranceTravel Accident
Car Rental
Emergency Medical
Flight Delay
Lost or stolen Baggage
Baggage Delay
Trip Cancellation
Extended Warranty
Purchase Protection
Trip Interruption
Extended Warranty
Purchase Protection
Travel Accident Extended Warranty
Purchase Protection
Travel Accident
Car Rental
Extended Warranty
Purchase Protection
Travel Accident
Car Rental
Extended Warranty
Purchase Protection
Travel Accident
Car Rental
Emergency Medical
Flight Delay
Lost or stolen baggage
Baggage Delay
Extended Warranty
Purchase Protection

Article comments

21 comments
Tracy says:

Hello! Your article states that the annual fee is waived for the first year when applying for the BMO World Elite Airmiles Mastercard, but I don’t see that written anywhere when clicking on the link on the BMO page. In the application itself,it shows an annual fee and doesn’t mention it being waived for the first year. Can you please confirm this for me? Thanks so much!

The GreedyRates Team says:

Hey Tracy,

Thanks for your comment—you’re right—the BMO Air Miles World Elite card does not come with an annual fee rebate or waiver. We had to update the article when BMO changed its old deal (which happens more often than we’d like), but the article should reflect the correct information now. When you see a great promotion that allows you to avoid an annual fee or earn a large amount of rewards points, it’s always savvy to take advantage of it quickly because issuers won’t allow it to last for long. We’ve always got the best deals on our site, and many are available right now.

For example, the Travel Card page on our website lists all the cards that offer an annual fee rebate or waiver. You can see in the ‘Annual Fee’ column a small footnote next to each fee that can be avoided during the first year, but only if you sign up via our site. A great example is the BMO Rewards Business Mastercard, for which new cardholders get the first year free (a $120 value). Even more cash back cards have this perk, and rewards cards as well.

GreedyRates Staff

Patrick Wise says:

This article is really in time! I just wondering can I get welcoming offer after apply a BMO Air Miles Business MC if I already have a BMO Air Miles WEMC? Thanks a lot.

The GreedyRates Team says:

Hey Patrick,

Thanks for the great question. We were also curious if and how existing BMO cardholders can take advantage of the BMO Air Miles Business Mastercard’s generous introductory bonus, so we dug into the fine print. This is what we discovered, quoted for accuracy:

“All Offers are subject to change or be withdrawn without notice. Limit of one of each Offer per Collector Number. Existing BMO AIR MILES Business Mastercard customers who cancel their card during the “Offer Period” and existing BMO Mastercard customers who transfer into this Credit Card product during the “Offer Period” are not eligible for the Offers.”

Basically, the first part means that you can only earn this bonus once, as it’s limited to one per each BMO Rewards account (the Collector Number mentioned). However, you haven’t earned the bonus yet, so that doesn’t apply to you. The second part says that if you have the card already and want to cancel it, to reapply for the bonus, then this will not work. Transferring your existing BMO Mastercard to the Air Miles Business card will also fail to earn you the bonus. We assume you aren’t planning on requesting a swap from one BMO card to another, anyway.

Accordingly, the only way for you to achieve those 3,000 Air Miles and the annual fee rebate is to apply for the card from scratch. It looks like you’ll be eligible for the bonus, but to do so, it essentially requires getting a second credit card. Good luck with your application!

Thanks again,
GreedyRates

Jag D says:

First of all thanks for running such a helpful site. Thanks to this site I snagged a cobalt card and it is racking up points. I have a few questions.

I have a business so I’m looking at a business credit card that I can use with a personal card, and the 2 of them can team up to get me the most points. Do you recommend any cards that can work together?

My main redemption is travel, and I was thinking maybe getting a BMo air miles business MasterCard and pairing it with the bmo air miles world elite card for the 2 card combo. Keep in mind I need a personal and business credit card. My cobalt can be cancelled, but do you think the air miles cards are the best option for me?

GreedyRates says:

Hi Jag, thank you for the appreciation! We’re happy to help and are glad to hear you’ve gotten your hands on one of Canada’s best cards: the Amex Cobalt card. If you’re looking for a business credit card that complements the Cobalt card for your personal expenses, then you’re in luck. It just so happens that Amex has one of the most impressive varieties of business cards around. Our obvious choice for you is the American Express Platinum for Business card, with which you’ll earn Membership Rewards points (even to the same Amex account that you already have) quickly and easily.

You’ll start out with a 40,000-point bonus, and then will earn 1.25 points for every $1 spent on business expenses. Because Membership rewards points are so flexible, you can spend yours on travel if you like. The other option you mention–pairing BMO’s Air Miles Business card and Air Miles World Elite card together–is an intriguing option. It would require you to cancel your Cobalt card, of course, and it sounds like you like it.

Also consider that the BMO card lacks some of the business-centric perks of the Amex. You won’t get 55 extra no-interest days (helpful for cash flow) or airport lounge access. On the other hand Air Miles is one of the best programs for travel, so if you think you’ll never spend points elsewhere, it could be a solid option. Hope that helps!

GreedyRates Staff

Alexis says:

I signed up for the American Express Air Miles Reserve card a few years ago, but now I am concerned that the high annual fee and supplementary card fee are not worth the benefits that I use, especially since I also have the BMO Air Miles World Elite card. I was disappointed that the free companion flight on the Amex card only covers short haul flights to places I would rather drive, bring the dog and save on rental car fees and kennel costs. I don’t travel too often now, but I like to go further away and stay longer than I used to. I need two cards to separate expenses, but I want to collect Air Miles on both; should I downgrade the Amex card?

GreedyRates says:

Hi Alexis, thanks for sharing your question with us. We agree that your pair of Air Miles cards might be somewhat redundant, especially if you’re not a big traveller anymore. Our experience tells us that the BMO Air Miles card you currently have is the one to keep, whereas the Amex card could stand to be replaced. If you want another Air Miles card, why not get the BMO Air Miles Business Mastercard? It’ll allow you to collect Air Miles on your separate expenses as you like, and doesn’t charge you an annual fee in the first year.

Alternatively, we recommend the Starwood Preferred Guest Amex, as the points you earn can go toward non-flight trip expenses such as hotels. You can also transfer the points to other airline rewards programs, including Air Miles. If you’d like to learn more you can read our full Starwood Preferred Guest Card review. Finally, if you’re accustomed to travelling abroad for extended periods of time, then you might want a card that grants you accelerated cash back when you make purchases in foreign currencies. If this is the case, the Rogers Platinum Mastercard is ideal, as it earns 4% cash back for foreign purchases. You can get more details by reading our full Rogers Platinum Mastercard review.

GreedyRates Staff

Bobbie says:

My husband and I recently joined Air Miles … we applied for 1 credit card each (me BMO Air Miles World Elite and him AMEX Air Miles Platinum card) . After that , I joined our Air Miles accounts. I’m trying to find more details regarding whether or not having a joint account will effect future card applications… for example, if I apply for that same AMEX will I not get the bonus offer now that we have the same Air Miles account #? Maybe I jumped the gun on joining our accounts. Can you shed some light ?

GreedyRates says:

Hi Bobbie, thanks for the comment! This issue gets deeper into the distinction between credit card memberships and rewards accounts, and how connected they are with one another. In our experience, they’re not mutually exclusive, and someone can easily use the same reward account with two different credit cards without disqualifying themselves from any promotional bonus.

This is what Amex says on the subject of your husband’s Air Miles Platinum bonus of 2,000 Air Miles: “This offer is only available to new American Express® AIR MILES®* Platinum Credit Card Cardmembers.”

This language indicates to us that you won’t be eligible if you already have the card. The limit is on the number of cards per person. Right now, only your husband has the card, and though you share an Air Miles account, this is entirely separate from Amex. We think you’ll be OK, but feel free to do a little more digging on the subject. Thanks for stopping by!

GreedyRates Staff

Bobbie says:

Thanks so much ! I’m new to the game and have alot of questions !

Shirley says:

I have a BMO Gold Air Miles card, and I am very disappointed to see that BMO has stopped promoting the BMO Gold Air Miles card. If I apply for the BMO Air Miles World Elite MasterCard, can I cancel the current card I have? Is there a wait period? Or any thing else I need to know? Thanks

Michael says:

Hey Shirley! The way BMO works is similar to other flight and airline rewards programs, in that the points you’ve accrued are collected in your account–separate from the credit card itself. When you cancel a card, you’re not cancelling the rewards account, and can still benefit from the miles you’ve earned. You can also apply for a new BMO card with the same kind of rewards, as you’ve decided to do, and simply list the old BMO Collector Number with the new card. Normally this is done on the application, where it asks you to either write down your existing number or check a box that creates a new one for you. It’s unlikely that there’s a waiting period, but we’d call and check to confirm this information with a BMO agent. Only then should you return to this page and begin filling out the form. Best of luck!

GreedyRates Staff

Gary says:

Hello, I have a question about the return on airmiles cards vs other travel reward cards. Today I have cap1 aspire that I still pay $120/yr for 2 cards but I still get $100 in annual points credits each yr(costing me only $20) . I like the ability to shop where ever I want and buy from whom ever I want and still collect this same 2 percent return. With this card, I can purchase from the best/cheapest product and not be forced into using the cc’s website or call center to purchase only what they have to offer. However, I can be persuaded, if the rewards make sense. The problem is airmiles is it difficult to nail down the return on each dollar spent. Any suggestions?

GreedyRates says:

Hi Gary, thanks for coming to Greedyrates – we’re definitely prepared to make a suggestion. The card you describe sounds great, but we know of an Air Miles card that can top it. The BMO Air Miles World Elite Mastercard gives you the freedom to shop how you want, wherever you want, and earn Air Miles at a steady rate. You’ll receive 1 mile for each $10 spent – usually it’s $20 – so the effective rate is 2% everywhere. That’s just the basics though, other awesome perks are 3,000 bonus miles, companion flight, travel medical insurance, VIP lounge access and more. If you like Air Miles, we invite you to give it a look!

If we didn’t understand correctly or you want other suggestions, let us know. Thanks!

Mike says:

I was looking at the World Elite AirMiles card and it appears there is a $50 annual fee for supplemental cards. This seems to have changed as of December 1st.

GreedyRates says:

Hi Mike,

That is correct. The BMO Air Miles World Elite now charges a $50 annual fee for supplemental cardholders. It’s a shame, but it seems like more and more issuers are going in that direction. With the welcome bonus at 2,000 miles, it make more mathematical sense for spouses to sign-up for another separate BMO Air Miles World Elite MasterCard altogether. You’d end up with 4,000 Air Miles worth $750 for a total of $240 in annual fees – a net gain of $510. Versus getting adding an authorized user which gets you a total of 2,000 Air Miles worth $375 for a total of $170 in annual fees – a net gain of $205.

Hope that helps,

GreedyRates Staff

NANCY SUKHBIR says:

You do not list the card I am looking for to compare air mile rewards. I have the Amex platinum and I wanted to compare air miles earned between it and the gold bmo mastercard for shell gas purchases.Could you please provide this info. For me. Thks

GreedyRates says:

Hi Nancy,

BMO has stopped promoting the BMO Gold Air Miles card. Is there another card you’d like us to compare or consider?

GreedyRates Staff

Amanda says:

Can you churn these credit cards?

GreedyRates says:

Hi Amanda,

Great question! There’s a different answer for BMO and Amex.

Unfortunately, American Express has limited your ability to re-apply for the same credit card and get another bonus. However, you can apply for multiple different Amex Air Miles credit cards and receive the welcome bonus from each. For example, you can apply for the Amex no fee Air Miles card and the Amex Platinum card and get the bonuses for each.

For BMO you can churn, but you have to wait 6 months after you cancel your card to reapply and be eligible for the bonus offer.

Hope that helps!

GreedyRates Staff

Limit of one (1) Bonus Offer per Collector Profile. If you cancel your card within one hundred and eighty (180) days from the date your account is opened, all Miles earned within that period will be cancelled.