Earn Miles over 10x faster than other collectors*.

*Based on data comparing average Miles earned by non-BMO card holders and average Miles earned by BMO card holders during the period of 01/01/2023 – 31/12/2023. Comparison is an example only and not a guaranteed result.

1. BMO AIR MILES Mastercard applications must be received between April 12, 2023 – December 31 , 2024 (the “Offer Period”). 1,500 AIR MILES Bonus Miles offer is limited to new accounts. Existing BMO AIR MILES Mastercard customers who cancel their card during the Offer Period, and existing BMO Mastercard customers who transfer into this product during the Offer Period are not eligible. 1,500 Bonus Miles will be awarded when you spend $1,000 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first three (3) months from the Credit Card open date. The 1,500 Bonus Miles will be credited to the primary Credit Cardholder’s AIR MILES Collector Account within ninety (90) business days following the qualifying $1,000 spend. All Bonus Miles will be credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream balances) at the time of posting. The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program Terms and Conditions, as amended from time to time. Limit of one Bonus offer per Collector Account. If you cancel your card within ninety (90) days of opening your account, the Bonus reward miles will be cancelled. This offer may be changed, extended or withdrawn at any time without notice. Offer cannot be combined with the 3000 Bonus Miles offer for new BMO AIR MILES World Elite Mastercard applicants.
   
   
2. BMO AIR MILES World Elite Mastercard applications must be received between June 1 to December 31 , 2024 (the “Offer Period”) to be eligible for the AIR MILES Bonus Miles and Annual Fee Refund offers (each an “Offer” and collectively the “Offers”). Bonus Offers are limited to new accounts. Existing BMO AIR MILES World Elite Mastercard customers who cancel their card during the Offer Period, and existing BMO Mastercard customers who transfer into this product during the Offer Period are not eligible for the Offers.
   

   AIR MILES Bonus Miles Offer: Receive 3,000 Bonus Miles when you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in net card purchases within the first three (3) months from the Credit Card open date. The Bonus Miles will be credited to the primary Credit Cardholder’s AIR MILES Collector Account within ninety (90) business days following the qualifying $3,000 spend. All Bonus Miles are credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream balances) at the time of posting. The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program Terms and Conditions, as amended from time to time. Limit of one AIR MILES Bonus Miles Offer per Collector Number. If the Credit Card is cancelled within ninety (90) days from the date it was opened, all Miles earned within that period will be cancelled. 3000 Bonus Miles offer cannot be combined with the 1500 Bonus Miles offer for new BMO AIR MILES Mastercard applicants.

   The primary cardholder annual fee of $120 will be waived in the first year and will appear as a fee and a credit on the primary cardholders first statement. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. The Annual Fee Waiver Offer does not apply to the Additional Card annual fee.

   These offers are subject to change or can be withdrawn without notice.

3. Starting April 23, 2024, BMO AIR MILES Mastercard cardholders will earn 2 AIR MILES Bonus Miles including the base earn rate of 1 Mile for every $25 in eligible purchases, for every $25 in purchases made at eligible Wholesale Club merchants classified by Mastercard’s “Merchant Category Code” as “Wholesale Club” (MCC 5300) and every $25 in purchases made at eligible Alcohol and Liquor merchants classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, Liquor” (MCC 5921). Alcohol and Liquor purchases at participating AIR MILES Partners will not be eligible for this offer; however, they will continue to earn the “3x the Miles” benefit. For a list of current participating partners, please visit airmiles.ca/en/promotions/bmo3x/bmo-promo-partners.html. Mulitplier Miles will be earned on eligible Wholesale Club purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Mulitplier Miles will be earned on eligible Alcohol and Liquor purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a Wholesale Club store, is classified by MCC 5300 or as a Alcohol and Liquor store, is classified by MCC 5921 and in no event will BMO be liable or responsible for any claims with respect to a Wholesale Club store or Alcohol and Liquor store purchase made at a merchant that is not classified by MCC 5300 or 5921 respectfully. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your AIR MILES Collector account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement, as amended from time to time. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.
   
   
4. Starting April 23, 2024, BMO AIR MILES WORLD ELITE®* Mastercard cardholders will earn 2 AIR MILES Bonus Miles including the base earn rate of 1 Mile for every $12 in eligible purchases, for every $12 in purchases made at eligible Wholesale Club merchants classified by Mastercard’s “Merchant Category Code” as “Wholesale Club” (MCC 5300) and every $12 in purchases made at eligible Alcohol and Liquor merchants classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, Liquor” (MCC 5921). Alcohol and Liquor purchases at participating AIR MILES Partners will not be eligible for this offer; however, they will continue to earn the “3x the Miles” benefit. For a list of current participating partners, please visit airmiles.ca/en/promotions/bmo3x/bmo-promo-partners.html. Mulitplier Miles will be earned on eligible Wholesale Club purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Mulitplier Miles will be earned on eligible Alcohol and Liquor purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO (“Bank of Montreal”) cannot guarantee that any merchant, operating in whole or in part as a Wholesale Club store, is classified by MCC 5300 or as a Alcohol and Liquor store, is classified by MCC 5921 and in no event will BMO be liable or responsible for any claims with respect to a Wholesale Club store or Alcohol and liquor store purchase made at a merchant that is not classified by MCC 5300 or 5921 respectfully. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your AIR MILES Collector account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the AIR MILES Terms and Conditions and the BMO Mastercard Cardholder Agreement, as amended from time to time. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.
   
   
5. BMO®† AIR MILES® Mastercard®* cardholders will earn 1 additional AIR MILES Reward Mile for every $25 in purchases made at eligible grocery merchants classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411) starting August 1, 2022, for a total of 2 Miles earned for every $12 in eligible purchases. Grocery purchases at participating AIR MILES partners will not be eligible for this offer; however, they will continue to earn the "3x the Miles" benefit. For a list of current participating partners, please visit airmiles.ca/BMOpartners. Reward MilesTM will be earned on eligible grocery purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO ("Bank of Montreal") cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will BMO be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your AIR MILES collector account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the AIR MILES terms and conditions and the BMO Mastercard Cardholder Agreement, as amended from time to time. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.
   
   
6. BMO®† AIR MILES® WORLD ELITE®* Mastercard®* cardholders will earn 1 additional AIR MILES Reward Mile for every $12 in purchases made at eligible grocery merchants classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411) starting August 1, 2022, for a total of 2 Miles earned for every $25 in eligible purchases. Grocery purchases at participating AIR MILES partners will not be eligible for this offer; however, they will continue to earn the "3x the Miles" benefit. For a list of current participating partners, please visit airmiles.ca/BMOpartners. Reward MilesTM will be earned on eligible grocery purchases up to a combined maximum of $500 in net purchases posted to your account per statement cycle period. Once the maximum is reached, purchases will no longer be eligible for this offer. BMO ("Bank of Montreal") cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will BMO be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. Miles will be calculated on the total eligible cumulative purchases made at eligible merchants and credited to your AIR MILES collector account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments) and is subject to the AIR MILES terms and conditions and the BMO Mastercard Cardholder Agreement, as amended from time to time. The offer is available on eligible purchases and may be withdrawn or changed at any time without notice. Offer is cumulative over the statement period.
   
   
7. This cents off per litre offer is available only to AIR MILES collectors who have linked their BMO credit or debit card with their AIR MILES collector number. This offer is exclusive to BMO personal banking credit and debit cards, as well as the Small Business credit cards. BMO corporate and commercial credit and debit cards, business banking debit cards, USD credit cards, and Prepaid credit cards do not qualify for this offer. To receive the savings at the pump, the eligible AIR MILES collector number must be connected to your BMO credit or debit card and the eligible AIR MILES collector number must be valid at the time of the purchase transaction. To qualify for the offer, eligible collectors with a BMO credit or debit card: can receive their fuel discount at the pump once the customer inputs their AIR MILES collector number and completes the payment with the BMO credit or debit card that has been linked to their AIR MILES collector number. BMO AIR MILES credit card holders with a valid AIR MILES collector number will receive an instant discount of $0.02 per litre on regular fuel (Shell Bronze and Shell Silver) and $0.07 per litre of premium fuel (Shell V-Power NiTRO+ or Shell V-Power NiTRO+ 91 or Shell VPower NiTRO+ 93) at Shell (excluding Flying J locations) between March 18, 2024, to December 31, 2025, to a maximum of 1,000 litres in one month. BMO non-AIR MILES credit and debit card holders, including other BMO Mastercard and BMO Visa holders must manually link their credit or debit card to an existing or new AIR MILES collector number at airmilescardlink.ca/bmo-shell-benefit to be eligible for this offer. The linking process can take up to 5 days before the benefit is provided, then eligible AIR MILES collectors will receive an instant discount of $0.02 per litre on regular fuel (Shell Bronze and Shell Silver) and $0.07 per litre of premium fuel (Shell V-Power NiTRO+ or Shell V-Power NiTRO+ 91 or Shell V-Power NiTRO+ 93) at Shell (excluding Flying J locations) between March 18, 2024, to December 31, 2025, to a maximum of 1,000 litres in one month. This is a limited-time offer and may be changed, extended, or withdrawn at any time without notice. All BMO AIR MILES Mastercard credit card holders are automatically linked to their AIR MILES collector number, and thus, are automatically eligible for this offer, although it can take up to 5 days before the benefit is provided. All BMO non-AIR MILES Mastercard credit holders, by linking their BMO Mastercard to their AIR MILES collector number, are automatically enrolled in this Shell CPL offer and in other AIR MILES card-linked offers. To learn more about other AIR MILES card-linked offers, visit airmiles.ca/cardlinkedoffers. BMO, AIR MILES, and Shell reserve the right, in their sole discretion, to suspend, disqualify, limit or revoke this offer to any person or account holder manipulating or otherwise abusing the process, fairness, integrity or operation of the offer. This offer will be in addition to any other offers available for you. Shell and their affiliates are not liable or responsible for any of the services and products offered/provided by BMO. Please note that any information you provide directly to Shell or that Shell obtains about you as a Shell customer or participant will be governed by Shell’s Privacy Notice. Offer is subject to the Terms and Conditions of your BMO Mastercard Cardholder Agreement or BMO Visa Cardholder Agreement.
   
   
8. Use the Cash Miles in your AIR MILES Cash account in-store in increments of 95 Cash Miles for every $10 towards your purchases at participating AIR MILES partner locations (gift cards and near-cash products are excluded and other exclusions may also apply) and online at airmiles.ca/cash in increments of 95 Cash Miles for every $10 worth of value from participating reward partners. Evouchers can be used at participating reward partners’ locations in Canada only. See specific evoucher reward page for details including any applicable limits and restrictions. Standard daily Cash Miles usage limits and terms and conditions apply. All rewards offered are subject to the terms and conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca/cash.
   
   
9. 3x the Miles: BMO AIR MILES Mastercard cardholders will get 3 AIR MILES Reward Miles for every $25 in purchases at participating AIR MILES partners. Participating AIR MILES partners may be added or removed at any time without notice; visit airmiles.ca/3xmiles for partner details. 3x multiplier is based on the standard earn rate for the BMO AIR MILES Mastercard of 1 Mile per $25 spent. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES partners and credited to your account within 90 days after the end of the applicable statement period. The number of Miles earned will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). The "3x the Miles" benefit is available on eligible purchases and may be withdrawn or changed at any time without notice.
   
   
10. Offer is cumulative over the statement period. Award of AIR MILES Reward Miles is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) and is subject to the AIR MILES Reward Program Terms and Conditions and the BMO Mastercard Cardholder Agreement, as amended from time to time. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded.
    
    
11. BMO AIR MILES Mastercard cardholders enjoy automatic AIR MILES Gold collector status and have access to the corresponding benefits as long as they remain a BMO AIR MILES Mastercard cardholder (“Partner Designation”). Should their BMO AIR MILES Mastercard cardholder status terminate, then requalification for Gold collector status is based on their collection of 500 eligible Reward Miles in a calendar year. Should they qualify for Onyx collector status based on their collection of 5,000 eligible Miles in a calendar year, then the Onyx collector status supersedes the Partner Designation. Eligible Miles are collected in connection with qualifying purchases made at participating AIR MILES partners; see the partner listing section on airmiles.ca. Certain Miles do not count towards the minimum eligible Mile requirement (“Exclusions”). Exclusions include, but are not limited to, refunded Miles, transferred Miles, any Miles collected through an employee incentive program, and Miles collected in connection with any specifically excluded offer. Partner Designation is determined by AIR MILES in its sole discretion. AIR MILES Gold collector status qualification requirements and benefits are subject to change at any time and without notice. See airmiles.ca/en/profile/status-benefits for the most up-to- date information.
    
    
12. Exclusive 25% Flight Booking Discount: If you have the BMO AIR MILES World Elite Mastercard, once per calendar year when you redeem Reward Miles for any flight booking, you will receive a 25% discount on the number of AIR MILES Reward Miles that are usually required (to a maximum of 750 Reward Miles) when you book through airmiles.ca or by calling 1-888-247-6453. The flight booking discount applies to the full flight booking and will be distributed equally on each ticket included in the booking, to a maximum of 750 Miles total. For example, if your booking included three 1,500 Miles flights totalling 4,500 Miles, then each flight would receive a 250 Miles discount, and you’d be required to redeem 3,750 Miles for the booking. Any portion of the maximum 750 allocated discounted Miles unused in the one eligible flight booking transaction will be forfeited. You can choose when to apply the discount – for example, on your first flight booking in the calendar year; or save it to apply on another flight booking later in the year – but it can only be used once per calendar year with no carry-overs allowed to the following year. For greater clarification, the 25% flight booking discount resets every calendar year and cannot be accumulated over the years. This benefit can only be reset for the collector to use in the same calendar year if the original booking where the benefit was used is cancelled under all of the following conditions: (i) the booking was cancelled in full (not for partial cancellations; i.e., one ticket), (ii) the cancellation happens within the same year of booking, and (iii) the airline issues a full refund for the booking. This benefit does not apply to Cash + Miles rewards. There are no blackout periods for flight redemptions. This benefit does not apply to the cash portion of the flight redemption (such as airport improvement fees and booking fees) or to the flight component of package vacations and cruises. This benefit cannot be combined with any other offer. Flight rewards offered are subject to the terms and conditions of the AIR MILES Reward Program, are subject to change, and may be withdrawn without notice. To use your Miles for flight rewards, you must have accumulated sufficient Dream Miles in your collector account. Some restrictions apply. Collectors must pay applicable surcharges, fees and taxes on flight rewards. Flight rewards may be subject to a minimum advance booking and availability from participating airlines. Changes, cancellations and refunds to flight tickets will follow the fare rules of the booking airline and may be subject to additional fees. For complete details, see current Program Terms and Conditions available at airmiles.ca.
    
    
13. AIR MILES Gold® collectors can transfer up to 1,000 Reward Miles™ per calendar year between their AIR MILES Cash and Dream Accounts. For greater clarity, the limit of 1,000 Miles is cumulative; all transfers from Cash to Dream and from Dream to Cash will contribute to the total annual limit. AIR MILES Onyx collectors can transfer an unlimited number of Reward Miles between their AIR MILES Cash and Dream Accounts. There is no fee associated with the balance transfer feature for Gold or Onyx collectors. To use the balance transfer feature, first log in to your AIR MILES account on airmiles.ca or in the AIR Miles App and visit the balance transfer page. Then, select the transfer type (Cash to Dream or Dream to Cash), enter the amount of Miles you wish to transfer and confirm the transfer by clicking the “transfer” button. Once confirmed, transfers are final; reversing the transfer will be considered a second transfer and will contribute to the annual transfer limit applicable to Gold collectors. Please visit https://www.airmiles.ca/en/transfer-balance.html for more details.
    
    
14. Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances includes Balance Transfers, cash-like transactions and Mastercard cheques. Visit your branch; call the BMO Customer Contact Centre at 1-800-263-2263, or visit bmo.com/creditcards for current rates and fees.
    
    
15. a) Subject to these Terms and Conditions, each balance transfer amount is eligible for a promotional interest rate of 0.99% provided that each balance transfer is posted to your BMO AIR MILES Mastercard account (the “Account”) in the first 9 (nine) statement periods from the Account open date (“Promotional Period”) , and your Account remains in good standing. Offer is available to new customers only upon Account approval for applications submitted on or after September 2, 2022. Balances from other BMO credit card accounts are not eligible to be transferred. The promotional rate will no longer apply to your Account if you transfer into a card other than the BMO AIR MILES Mastercard. Balance transfers apply to Canadian dollar amounts only.
    

    
    b) Balance transfers do not qualify to earn loyalty rewards such as AIR MILES Reward Miles. Balance transfers are treated as cash advances and the promotional interest rate applies from the date the transactions are posted to your Account until the last day of the Promotional Period. After the Promotional Period expires, any remaining balance transfer amounts will be charged interest at the standard annual interest rate for cash advances. The promotional interest rate of 0.99% does not apply to purchases, fees, cash advances and other charges posted to your Account during the Promotional Period. Standard interest rates will continue to apply to those transactions. Please refer to your monthly statement for the interest rate applicable to your Account.

    c) Each balance transfer is subject to a fee of 2% which will be charged to your account on the date the balance transfer is posted to your Account. For example, if an amount of $1,000 is transferred to your Account, you will be charged a fee of $20. You may request a balance transfer for as low as $100, as long as the transfer amount plus the fee, does not exceed the unused portion of the credit limit on your Account.

    d) If your Account has balances with different interest rates, such as purchases with a standard interest rate and balance transfers with a promotional interest rate, any payment that exceeds the minimum payment will be allocated proportionately to those balances according to the terms set out in section 14 of the BMO Mastercard Cardholder Agreement. For example, if you have an $800 purchases balance at the standard interest rate and a $200 balance transfer balance at a promotional interest rate, 80 per cent of your payment will be allocated to your purchases balance and 20 percent will be allocated to your balance transfer balance. This offer may be withdrawn or changed without notice.

    e) You will pay interest on purchases unless you pay your full Account balance by the payment due date. For example, if you complete a balance transfer for $5,000 and spend $2,000 in purchases during the same statement period, you must pay the entire balance of $7,000 before the payment due date to avoid paying interest on your purchases. You will be charged interest if you only pay the amount owing for your purchases. There is no interest-free grace period for cash advances or balance transfers.

    f) To transfer balances from non-BMO credit card accounts, register for Online Banking or log in at bmo.com and do the following; select your Mastercard account, then select Set up Balance Transfer or Pre-authorized payment, then select Credit Card Balance Transfer and follow the instructions to complete the transfer.

16. Cardholders of the BMO AIR MILES World Elite Mastercard, BMO AIR MILES Business Mastercard and BMO AIR MILES World Elite Business Mastercard (“Eligible Cardholders”) enjoy automatic AIR MILES Onyx collector status and have access to the corresponding benefits as long as they remain a BMO AIR MILES World Elite Mastercard cardholder (“Partner Designation”). Should their BMO AIR MILES World Elite Mastercard cardholder status terminate, then requalification for Onyx collector status is based on their collection of 5,000 eligible Reward Miles in a calendar year. Eligible Miles are collected in connection with qualifying purchases made at participating AIR MILES partners; see the partner listing section on airmiles.ca. Certain Miles do not count towards the minimum 5,000 eligible Mile requirement (“Exclusions”). Exclusions include, but are not limited to, refunded Miles, transferred Miles, any Miles collected through an employee incentive program, and Miles collected in connection with any specifically excluded offer. Partner Designation is determined by AIR MILES in its sole discretion. AIR MILES Onyx collector status qualification requirements and benefits are subject to change at any time and without notice. See airmiles.ca/en/profile/status-benefits for the most up-to-date information.
    
    
17. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance that is sent to new cardholders. Insurance coverages are provided by CUMIS General Insurance Company, a member of The Co-operators group of companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca.
    
    CUMIS General Insurance Company
    P.O. Box 5065
    151North Service Road
    Burlington, Ontario
    L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
    
    
18. 3x the Miles: BMO® AIR MILES® World Elite® Mastercard® cardholders will get 3 AIR MILES Reward Miles for every $12 in purchases at participating AIR MILES partners. Participating AIR MILES partners may be added or removed at any time without notice, visit airmiles.ca/bmopartners for partner details. 3x multiplier is based on the standard earn rate for the BMO AIR MILES World Elite Mastercard of 1 Mile per $12 spent. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES partners and credited to your account within 90 days after the end of the applicable statement period. The number of Miles awarded will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. Eligible purchases are purchases charged to your credit card account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees and credit or debit adjustments). The "3x the Miles" benefit available on eligible purchases and may be withdrawn or changed at any time without notice.
    
    
19. Starting in 2025, an exclusive Travel discount will be available for AIR MILES Gold and Onyx collectors during one month in a calendar year, as defined by AIR MILES. The discount will be available as a ‘Travel Month’ offer and can be used for a maximum of one booking per eligible collector done through AIR MILES Travel during that month. Discount will take the form of the lower of: (a) the applicable percentage Dream Miles discount (30% for Gold collectors or 40% for Onyx collectors), or (b) the applicable maximum discount (250 Dream Miles for Gold collectors or 500 Dream Miles for Onyx collectors). Collector must have active Gold or Onyx status at the time of the offer period to be eligible for the offer. Offer will be subject to terms and conditions which will be made available during the offer period.
    
    
20. Card-linked offers and partners are subject to change and may be withdrawn without notice. For a list of current of card-linked offers, please visit airmilescardlink.ca. Eligible BMO AIR MILES Mastercard cardholders are linked by default and therefore are automatically eligible for card-linked offers.
    
    
21. Based on competitive intelligence as of March 23, 2024. No other credit card issued by a Canadian Financial Institution in partnership with a fuel provider offers a more competitive accelerated loyalty program points earn as an embedded, always-on benefit of the same value.