2025's Best AIR MILES Credit Cards for Canadians
Compare the best AIR MILES credit cardsin Canada.
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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 Credit Cards for 2025: Best Overall AIR MILES Card
We’ve picked the top AIR MILES credit cards in Canada to help you find the best card for all your credit card needs.
| First-year value* | Credit score required | Top features | |
|---|---|---|---|
| $699 | Excellent | Comprehensive travel insurance, VIP lounge access, and an exclusive 15% flight discount on all North American AIR MILES flights. | |
|
Runner up |
$342 | Good | Includes discounts on car rentals and purchase protection. |
| $634 | Good | Comprehensive travel insurance (including Personal Effects) and accelerated rewards rates at Shell gas stations. |
*The RATESDOTCA Best of Finance methodology assumes the cardholder spends an average of $2,000 a month on their card to determine the first-year value. The calculation includes all welcome bonuses and promotional offers at the time of publishing.
Winner: BMO AIR MILES® World Elite* Mastercard®*
With the BMO AIR MILES® World Elite* Mastercard®*, you can earn AIR MILES on all your purchases including groceries, wholesale clubs, membership-based retailers and alcohol retailers.
According to our methodology, the average Canadian will see $699 cash back in the first year.
Annual fee:
$120
Rewards
- 2 AIR MILES per $12 spent on groceries and wholesale clubs, membership-based retailers and alcohol retailers
- 1 AIR MILE per $12 spent on all purchases
- 3 AIR MILES per $12 spent on 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
- Extended Warranty - 1 Year
- Travel Accident - $500,000
- Emergency Medical - 15 dyas
- Trip Cancellation - $1,500
- Trip Interruption - $2,000
- Flight Delay - $500
- Baggage Delay - $500
- Lost or Stolen Baggage - $750
- Hotel Burglary - $750
- Personal Effects - $750
- Rental Car Theft
Runners-up: Best Overall AIR MILES Card
BMO AIR MILES® Mastercard®*
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
BMO AIR MILES ® Business World Elite®* Mastercard ®*
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.
Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. RATESDOTCA may receive a referral fee from our partners or affiliate links featured on the site; however, our editorial choices are objective and free from bias. The opinions expressed in this article are purely those of RATESDOTCA; thus, the credit card issuers and partners are not responsible for any editorials or reviews that may appear. Please visit the associated brand’s website for complete and current terms and conditions on any product or service mentioned. The information in this article is accurate as of the date of this posting, January 31, 2025. Read our full disclaimer.
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