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2022’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

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 $859
Includes discounts on car rentals and purchase protection. Good $343
Comprehensive travel insurance (including Personal Effects) and accelerated rewards rates at Shell gas stations. Good $941

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
$430
- Annual fee (First Year Waived)
$0
Total first year value
$774
BMO AIR MILES World Elite* Mastercard*

card image
Welcome bonus
$344
AIR MILES Rewards
Annual rewards
$430
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
$344
Annual rewards
$430
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$344
+ Annual rewards
$430
- Annual fee (First Year Waived)
$0
Total first year value
$774
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

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

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
$206
- Annual fee
$0
Total first year value
$343
BMO AIR MILES Mastercard*

card image
Welcome bonus
$137
AIRMILES Rewards
Annual rewards
$206
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
$137
Annual rewards
$206
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$137
+ Annual rewards
$206
- Annual fee
$0
Total first year value
$343
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
  • 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
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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