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2024’s Best AIR MILES Credit Cards For Canadians

Compare the best AIR MILES credit cards in Canada.

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Written By Lubna Umar

Updated

What are AIR MILES?

AIR MILES is a loyalty rewards program that allows you to become a member and earn rewards when you shop with any of the AIR MILES partners.

As an AIR MILES member, you can earn Miles on your day-to-day purchases and redeem them for amazing rewards such as flights, merchandise or gift cards.

When you use an AIR MILES credit card, you can easily collect bonus Miles with every eligible purchase, maximizing your AIR MILES rewards redemption rate. We’ve narrowed down the best AIR MILES credit cards in Canada, making choosing one easier.

Best AIR MILES Credit Cards in Canada

We’ve picked the top AIR MILES credit cards in Canada to help you find the best card for all your credit card needs.

  Great features Credit score required First year value  
Comprehensive travel insurance, VIP lounge access, and an exclusive 15% flight discount on all North American AIR MILES flights. Excellent $699
Includes discounts on car rentals and purchase protection. Good $342
Comprehensive travel insurance (including Personal Effects) and accelerated rewards rates at Shell gas stations. Good $634

BMO AIR MILES World Elite* Mastercard*

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$381
+ Annual rewards
$318
- Annual fee (First Year Waived)
$0
Total first year value
$699
BMO AIR MILES®† World Elite* Mastercard®*

card image
Welcome bonus
$381
AIR MILES Rewards
Annual rewards
$318
AIR MILES Rewards
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases • 23.99% on cash advances
Great rewards card for Air Miles collectors
Includes comprehensive travel insurance and access perks
Details at a glance Collapse details
Welcome bonus
$381
Annual rewards
$318
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$381
+ Annual rewards
$318
- Annual fee (First Year Waived)
$0
Total first year value
$699
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases
23.99 on cash advances
Great rewards card for Air Miles collectors
Includes comprehensive travel insurance and access perks
Details at a glance Collapse details

When you use a BMO AIR MILES credit card with your AIR MILES membership card to pay at Sobeys, Safeway, Foodland & Participating Co-op's, Urban Fresh, Thrifty Foods, IGA, Les Marchés Traditions and Rachelle Béry you can earn 3x AIR MILES. * If you shop often at AIR MILES partner locations, this card is a great option for you.

Annual fee:

$120

Rewards

  • 3x AIR MILES per $12 spent at participating AIR MILES Reward Partners
  • 2x AIR MILES per $12 spent on groceries, wholesale clubs, membership-based retailers and alcohol retailers
  • 1x AIR MILE per $12 spent on any purchase3x AIR MILES per $12 spent at participating AIR MILES Reward Partners.

Benefits

  • Enjoy a 7¢/L discount on Shell V-Power® premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
  • Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
  • Access to over 1 million Wi-Fi hotspots worldwide - no added cost and no added fees or roaming charges.

Insurance coverage

  • Purchase Protection - 90 days (about 3 months)
  • Extended Warranty - 1 Year
  • Travel Accident - $500,000
  • Emergency Medical - 15 days (about 2 weeks)
  • Trip Cancellation - $2,500
  • Trip Interruption - $2,000
  • Flight Delay - $500
  • Baggage Delay - $200
  • Lost or Stolen Baggage - $750
  • Hotel Burglary - $750
  • Personal Effects - $750
  • Rental Car Theft
  • Rental Car Accident - $200,000
  • Rental Car Personal Effects - $1,000

BMO AIR MILES Mastercard

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$190
+ Annual rewards
$152
- Annual fee
$0
Total first year value
$342
BMO AIR MILES®† Mastercard®*

card image
Welcome bonus
$190
AIRMILES Rewards
Annual rewards
$152
AIRMILES Rewards
Annual fees:
$0
Interest rates:
20.99% on purchases • 22.99% on cash advances
Great no fee card for those want to accelerate their AIR MILES rewards
Add additional cardholders for free and earn more miles
Details at a glance Collapse details
Welcome bonus
$190
Annual rewards
$152
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$190
+ Annual rewards
$152
- Annual fee
$0
Total first year value
$342
Annual fees:
$0
Interest rates:
20.99% on purchases
22.99 on cash advances
Great no fee card for those want to accelerate their AIR MILES rewards
Add additional cardholders for free and earn more miles
Details at a glance Collapse details

The BMO AIR MILES Mastercard is a no annual fee card for those looking to accelerate their AIR MILES rewards balance without fees cutting into their gains. You can also easily add additional cardholders for free and earn more MILES faster.

Annual fee:

$0

Annual fee for additional cardholders: $0

Rewards

  • Earn 3x Miles for every $25 spent at participating AIR MILES partners*
  • Earn 2x Miles for every $25 spent at eligible grocery stores and wholesale clubs, membership-based retailers and alcohol retailers*
  • Earn 1x Mile for every $25 spent on all other purchases

Benefits

  • Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
  • Flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
  • Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.
  • Receive a discount on car rentals*

Insurance coverage

  • Purchase Protection - 90 days (about 3 months)
  • Extended Warranty - 1 year

BMO AIR MILES ® Business World Elite®* Mastercard ®* 

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$381
+ Annual rewards
$253
- Annual fee (First Year Waived)
$0
Total first year value
$634
BMO AIR MILES® Business World Elite®* Mastercard®*

card image
Welcome bonus
$381
AIR MILES Rewards
Annual rewards
$253
AIR MILES Rewards
Annual fees:
$149 (First Year Waived)
Interest rates:
19.99% on purchases • 22.99% on cash advances
AIR MILES collectors can earn accelerated rewards on business purchases
Includes complimentary travel insurance
Details at a glance Collapse details
Welcome bonus
$381
Annual rewards
$253
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$381
+ Annual rewards
$253
- Annual fee (First Year Waived)
$0
Total first year value
$634
Annual fees:
$149 (First Year Waived)
Interest rates:
19.99% on purchases
22.99 on cash advances
AIR MILES collectors can earn accelerated rewards on business purchases
Includes complimentary travel insurance
Details at a glance Collapse details

With a BMO AIR MILES ® Business World Elite®* Mastercard®*  you can add additional employee cards and maximize your AIRMILES rewards. You are protected against employee card abuse through the BMO Liability Waiver.

Annual fee:

$149 (Waived in first year)

Rewards

  • Earn 1x AIRMILES Rewards for every $12 spent on all purchases
  • Earn 4x AIRMILES Rewards for every $12 spent on all other purchases.

Insurance coverage

  • Extended Warranty - 1 year
  • Purchase Protection - 90 days
  • Travel Accident - $500,000
  • Trip Cancellation - $2,500
  • Trip Interruption - $2,000
  • Flight Delay - $500
  • Baggage Delay - $500
  • Lost or Stolen Baggage - $1,000
  • Personal Effects - $1,000
  • Hotel Burglary - $1,000
  • Rental Car Theft & Damage
  • Rental Car Accident - $200,000
  • Rental Car Personal Effects - $1,000
Lubna Umar

Lubna Umar is an SEO Content Manager at RATESDOTCA. She has produced a wide variety of content, including academic essays, pieces of fiction and financial literacy guides. In her free time, she can be found exploring the café culture in Toronto or any other major city.

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