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BMO AIR MILES MasterCard credit card reviews

BMO AIR MILES MasterCard credit card details and credit card application link.

The BMO Air Miles Credit Card is a rewards card by the Bank of Montreal suitable for Canadians who travel often. With the special program of BMO, cardholders earn 1 reward mile for every $20 in purchases. Shopping at Shell locations on the territory of Canada earns 1.5 miles, and the same bonus points are earned when shopping at locations of Alamo and National Car Rental worldwide. In addition, bank clients get rental discount up to 25 percent National Car Rental at all locations. Even more bonus points can be earned by shopping at Triple Rewards merchants (3 bonus points for $20 charged to the credit card. The list of participating merchants is quite long. Among them are Cabot Shores, Invisible Fence of Nova Scotia, White Lotus Gifts & Books, and Atlantic Weddings Showcase, among others. Reward miles can be redeemed for a variety of items, including tickets for upcoming events, gadgets, vacations, and anything else.

The BMO Air Miles Credit Card is featured with a low interest rate of 12.9 percent and an annual fee of $35 or 19.5 percent and no annual fee. Additional cards can be issued at no added cost. This credit card goes with 21 grace days and is offered to customers who cover their balance in full by the specified due date. The minimum payment is $10 or 2 percent of the balance, whichever is greater. Fees apply to various transactions. For example, a fee of $2.75 applies to wire transfers, race track wagers, lottery tickets, casino gaming chips, and other gaming and cash-like transactions. Online booking is offered free-of-charge, but phone booking costs $25. Cancellations and travel arrangement changes also cost $25. In addition, redemption for financial rewards and merchandize is featured free-of-charge for online orders, but phone orders cost $10. Over-the-counter cash advance fees differ depending on where the transaction takes place. The fee is $3 at branches of the Bank of Montreal, $4 at MasterCard financial institutions in Canada, $5 at such institutions in the USA, and $6 outside Canada and the United States. The fee for dishonoured payment to or from an account is set at $25 while replacements of sales slips and copies of statement cost $10.

The credit card is offered with a variety of added and optional benefits. The card enjoys worldwide acceptance at close to thirty million locations all over the world. Another beneficial feature is MasterCard PayPass making it possible to pay for small purchases by just tapping one’s credit card. This is a quick and convenient payment method, as cardholders do not have to swipe their cards any longer. Chip technology is another feature that gives added protection in preventing unauthorized use of one’s credit card. Enhanced security is offered with both credit and debit cards. Extended warranty, zero dollar liability, and purchase protection are also offered with this credit card. The manufacturer’s warranty is extended through purchase protection and extended warranty up to 1 additional year. Most items are insured against damage and theft for 90 days, starting from the purchase date. Zero dollar liability is another feature that gives cardholders peace of mind, knowing that they are protected in case of unauthorized purchases online, by phone, or in person. Bank clients are not held responsible if their credit card has been used without authorization or if they contributed for this to happen unknowingly. Naturally, cardholders are responsible for making sure that their credit card is safe from theft, loss, and misuse. They have to keep their PIN separate from the credit card, not sharing it with anyone. If one’s credit card is stolen, lost, or misused, the bank should be notified within 24 hours.

Credit Card Details
NameBMO AIR MILES MasterCard Apply Now
Interest Rate19.5%
Annual Fee$0
Cash BackNo
Low InterestNo
Auto and GasNo
Instant ApprovalNo
Balance TransferNo
US DollarNo
No Annual FeeYes