How to apply BMO AIR MILES?
The BMO AIR MILES Mastercard is a popular choice in Canada for those who want to earn travel and shopping rewards with everyday purchases. Applying for this card is simple and can be done entirely online, with a quick approval process for eligible applicants. Below, you’ll find the main steps and requirements to apply for the BMO AIR MILES Mastercard and start collecting miles right away.
Who Is This Card For
The BMO AIR MILES Mastercard is designed for individuals who frequently shop at AIR MILES partner stores or want to earn travel and merchandise rewards from their daily spending. It’s ideal for those who prefer a no-annual-fee card, make regular purchases on groceries, gas, or at major retailers, and want a straightforward way to accumulate AIR MILES without needing a premium credit product.
Who This Card Is Not For
The BMO AIR MILES Mastercard may not be the best choice for those who rarely shop at AIR MILES partners or prefer cash back over travel rewards. It’s also less suitable for people who want premium perks such as airport lounge access, higher earn rates, or comprehensive travel insurance, since these benefits are limited compared to higher-tier cards.
Required Documents
To apply for the BMO AIR MILES Mastercard, you’ll need to provide basic personal and financial information. This includes:
- A valid government-issued ID (such as a passport or driver’s license)
- Your Social Insurance Number (optional but helps speed up the credit check)
- Proof of income or employment details
- Your current address and contact information
Having these documents ready will make the online application faster and smoother.
Step-by-step application guide
Applying for the BMO AIR MILES Mastercard is simple and convenient, with several ways to get started depending on your preference.
Online:
The easiest method is through the official BMO website. Visit the credit cards section, locate the BMO AIR MILES Mastercard, and click “Apply Now.” You’ll be guided step by step through a secure online form where you’ll enter personal, employment, and financial details. Most applicants receive an instant decision within minutes.
Mobile Banking App:
If you already use the BMO Mobile Banking app, you can complete the entire application from your phone. Open the app, go to “Products and Services,” choose “Credit Cards,” and follow the prompts to apply for the AIR MILES Mastercard directly.
By Phone:
Prefer personal assistance? Call 1-800-263-2263 to speak with a BMO representative who can walk you through the process, answer questions, and even help submit the application for you.
In Branch:
You can also apply in person at any BMO Bank of Montreal branch across Canada. Bring valid identification, proof of income, and your SIN number to make the process faster.
Basic Requirements
To qualify for the BMO AIR MILES Mastercard, you must:
- Be a Canadian resident and have reached the age of majority in your province or territory.
- Have a good credit history and no recent bankruptcies.
- Provide proof of income or employment.
- Have a valid AIR MILES Collector Number (or create one during application).
Even though this card has no annual fee, BMO still reviews your credit score to ensure responsible usage and payment capacity.
How to Cancel
If you decide the card no longer fits your lifestyle, you can cancel easily:
- Call BMO Credit Card Services at 1-800-361-3361 to request closure.
- You can also send a secure message via BMO Online Banking or visit a branch.
Before canceling, make sure to redeem any unused AIR MILES, pay your outstanding balance, and download recent statements for your records.
FAQ
1. Does the BMO AIR MILES Mastercard charge an annual fee?
No, this card comes with no annual fee, making it great for cost-conscious users.
2. How do I earn AIR MILES?
You earn 3x AIR MILES for every $25 spent at partner stores and 1 AIR MILE per $25 on other eligible purchases.
3. How can I check my AIR MILES balance?
You can view your balance anytime through the AIR MILES app or your online BMO account.
4. Is there a welcome bonus?
Yes! New cardholders can earn up to 800 AIR MILES as a limited-time welcome offer, subject to terms and conditions.
5. Does it include purchase protection?
Yes, the card includes extended warranty and purchase protection on eligible items.
Final Thoughts
The BMO AIR MILES Mastercard is a practical, no-fee credit card that transforms everyday spending into valuable travel and shopping rewards. Its accessibility makes it perfect for anyone starting out with AIR MILES or looking for a simple, rewarding option without the commitment of annual costs.
With an easy online application, reliable customer service, and real benefits for regular shoppers, this card stands out as one of the most convenient ways to make your money work harder.
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