Card Details
Based on $2,000 spending
First Year Value
$207.16
$63.16 in years after
Annual Rewards
$63.16
Air Miles
First Year Bonus
$144
Air Miles
Annual Fee
$0
First Year Value
$207.16
$63.16 in years after
Interest Rates
Cash Advance: 22.99%, for Quebec 21.99%
Purchase: 20.99%
Balance Transfer: 22.99%, introductory 0.99% for 9 months
Annual Fee
$0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Welcome Bonus
Get 1500 AIR MILES Bonus Miles when you spend $1,000 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit, or debit adjustments) in the first three (3) months from the Credit Card open date
Our Rating
1.5/5
Institution
BMO
Rewards
- 3x Miles points per $25 spent at participating AIR MILES Partners
- 2x Miles points per $25 spent on eligible grocery purchases
- 1x Mile point per $25 spent on all other eligible purchases
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings
Discount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collector
Car Rental Discount
20% off base rate of participating National Car Rental and Alamo Rent a Car and up to 5% on Enterprise Rent-A-Car
Discount
Get 20% off admission to Cirque du Soleil shows touring Canada, and 15% off resident shows in Las Vegas
Pros & Cons
Pros
- No annual fee: The card is free to hold, making it a cost-effective way to collect Air Miles.
- Bonus miles at partners: Earn 3x the miles at Air Miles partners and 2x the miles at grocery, liquor, and wholesale stores.
- Fuel savings: Save up to 7 cents per litre at Shell stations, with the potential to save up to $100 annually.
- Balance transfer offer: 0.99% promotional interest rate on balance transfers for the first 9 months.
Cons
- Low base earn rate: Earn only 1 Air Mile per $25 spent on all non-bonus purchases.
- Limited insurance: The card only offers basic insurance, such as extended warranty and purchase protection.
- Limited value outside Air Miles partners: Rewards earning potential is higher at participating partners, but significantly lower for general spending.