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2021’s Best AIR MILES Credit Cards

Compare the best AIR MILES credit cards in 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 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
Includes travel insurance benefits and four complimentary lounge visits per year. Receive a up to 1,700 miles to put towards a companion flight after you redeem for any flight within the AIR MILES®* Reward Program Good $457
Comprehensive travel insurance, VIP lounge access, and an exclusive 15% flight discount on all North American AIR MILES flights. Excellent $859
Includes annual travel redemption benefits, access to American Express Experiences, travel accident and rental car insurance coverage. Good $853
Includes discounts on car rentals and purchase protection. Good $302
Comprehensive travel insurance (including Personal Effects) and accelerated rewards rates at Shell gas stations. Good $941

American Express® AIR MILES® Reserve Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$412
+ Annual rewards
$344
- Annual fee
$299
Total first year value
$457
American Express® AIR MILES® Reserve Card

card image
Welcome bonus
$412
AIR MILES Rewards
Annual rewards
$344
AIR MILES Rewards
Annual fees:
$299
Interest rates:
20.99% on purchases • 21.99% on cash advances
Enjoy excellent travel access perks and insurance
Redeem your miles for travel or cash
Details at a glance Collapse details
Welcome bonus
$412
Annual rewards
$344
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$412
+ Annual rewards
$344
- Annual fee
$299
Total first year value
$457
Annual fees:
$299
Interest rates:
20.99% on purchases
21.99% on cash advances
Enjoy excellent travel access perks and insurance
Redeem your miles for travel or cash
Details at a glance Collapse details

The American Express® AIR MILES® Reserve Card is a top tier travel rewards card that comes with a wide variety of travel perks and AIR MILES benefits.

Annual fee:

$299

Each supplementary card has a $50 annual fee.

Rewards

When you shop with the American Express® AIR MILES® Reserve Card you can earn 1x AIR MILES for every $10 in Card purchases at:

  • AIR MILES®* Sponsors
  • Gas
  • Groceries
  • Drugstore

You can earn 1x AIR MILES for every $15 in purchases everywhere else.

Benefits

Once a year, when you choose to redeem any flight Rewards within the AIR MILES®* Reward Program, you can receive a maximum of 1,700 Miles to put towards a companion flight (offer excludes service charges if applicable and taxes).

You can also enjoy:

  • 4 complimentary visits per year to more than 1,200 airport lounges worldwide
  • Receive automatic Onyx® Collector status
  • 24/7 Customer Service

Insurance coverage

  • Purchase Protection - 90 days (about 3 months)
  • Extended Warranty - 1 year
  • Travel Accident - $100,000
  • Flight Delay - $500
  • Baggage Delay - $500
  • Lost/Stolen Baggage - $500
  • Rental Car Insurance
  • Hotel Burglary - $500

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
$344
+ Annual rewards
$412
- Annual fee (First Year Waived)
0
Total first year value
$756
BMO AIR MILES World Elite* Mastercard*

card image
Welcome bonus
$344
AIR MILES Rewards
Annual rewards
$412
AIR MILES Rewards
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases • 22.99% 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
$344
Annual rewards
$412
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$344
+ Annual rewards
$412
- Annual fee (First Year Waived)
0
Total first year value
$756
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases
22.99% 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

1x AIR MILE per $12 spent on any purchase and 3x AIR MILES per $12 spent at participating AIR MILES Reward Partners.

Benefits

  • Complimentary VIP membership in Mastercard Airport LoungeKey Experiences
  • 15% discount on North American AIR MILES flights
  • 24/7 access to experienced concierge staff
  • 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

The American Express® AIR MILES®* Platinum Card 

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$344
+ Annual rewards
$629
- Annual fee
$120
Total first year value
$853
The American Express® AIR MILES®* Platinum Credit Card

card image
Welcome bonus
$344
AIRMILES Rewards
Annual rewards
$629
AIRMILES Rewards
Annual fees:
$120
Interest rates:
20.99% on purchases • 21.99% on cash advances
Excellent card for frequent flyers
Earn the most miles of any AIR MILES® credit card and redeem for travel or cashback
Details at a glance Collapse details
Welcome bonus
$344
Annual rewards
$629
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$344
+ Annual rewards
$629
- Annual fee
$120
Total first year value
$853
Annual fees:
$120
Interest rates:
20.99% on purchases
21.99% on cash advances
Excellent card for frequent flyers
Earn the most miles of any AIR MILES® credit card and redeem for travel or cashback
Details at a glance Collapse details

The American Express® AIR MILES®* Platinum Card allows you to enjoy both AIR MILES and American Express credit card benefits. If you’re an avid traveller, this card is a great choice,  as you can quickly earn AIR MILES on everyday purchases and increase your AIR MILES travel rewards.

Annual fee:

$120

Annual fee for additional cardholders: $0

Rewards

Earn 1x Mile for every $5 spent (up to $30,000 annually) on:

  • Food and drinks
  • Gas
  • Transit

Earn 1x Mile for every $10 spent on everything else.

Benefits

  • Front Of The Line Presale tickets with American Express Experiences® 
  • Annual Travel Redemption Benefit
  • Insurance coverage
  • Purchase Protection - 90 days (about 3 months)
  • Extended Warranty - 1 year
  • Travel Accident - $100,000
  • Rental Car Theft & Damage

BMO AIR MILES Mastercard

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$137
+ Annual rewards
$165
- Annual fee
$0
Total first year value
$302
BMO AIR MILES Mastercard*

card image
Welcome bonus
$137
AIRMILES Rewards
Annual rewards
$165
AIRMILES Rewards
Annual fees:
$0
Interest rates:
19.99% 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
$137
Annual rewards
$165
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$137
+ Annual rewards
$165
- Annual fee
$0
Total first year value
$302
Annual fees:
$0
Interest rates:
19.99% 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 1x Mile for every $25 spent on all other purchases

Benefits

  • Discounts on car rentals

Insurance coverage

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

BMO AIR MILES Business Mastercard 

With a BMO AIR MILES Business 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:

$120

Rewards

  • Earn 1.25x AIRMILES Rewards for every $10 spent at participating Shell locations
  • Earn 1x AIRMILES Rewards for every $10 spent on all other purchases.

Insurance coverage

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

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