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1. 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offered are subject to the terms and conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To use Miles for travel rewards, you must have accumulated sufficient Reward Miles in your collector account. Some restrictions may apply. Collectors must pay applicable surcharges, fees, and taxes on air travel, hotel, and car rental rewards. Travel rewards may be subject to a minimum advance booking and availability from participating suppliers. Changes, cancellations and refunds to travel bookings are subject to the rules of the booking provider and/or supplier and may be subject to additional fees. For complete details, see current Program terms and conditions available at airmiles.ca.

2. FlexPay

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 31.99%. Not everyone is eligible. Applicants are subject to approval by Uplift Canada Services ULC, a subsidiary of Upgrade, Inc. Privacy Policy. Terms of Use. Flex Pay’s Canada Address: 410 Adelaide Street West, Suite 220, Toronto, ON M5V 1S8, Canada.

3. AIR MILES Blue collectors get 1 AIR MILES® Reward Mile for every $15 CAD per travel booking. AIR MILES Gold® collectors get 1 AIR MILES® Reward Mile for every $10 CAD spent per travel booking. AIR MILES Onyx collectors get 1 AIR MILES® Reward Mile for every $5 CAD spent per travel booking.
Offer is valid for collectors who make a booking on AIR MILES® Travel. The Miles earned will be calculated on the collector status at the time of booking and the base cost of the booking made in a single transaction. Miles are not earned on any taxes and fees. Offer applies to the amount of the booking paid for by credit card.
Miles will be posted into the booking collector’s AIR MILES account within 5 to 10 days after travel is completed. AIR MILES reserves the right to change or retract an offer at any time without prior notice, or to retract an offer for deceptive booking behaviour, including but not limited to creating multiple collector numbers. AIR MILES reserves the right to offer a Reward Miles earn rate at an equivalent or greater value to all collectors. By participating in this offer you agree to the AIR MILES Travel Terms of Use.

4. AIR MILES Collectors can bundle two (2) travel products and earn up to 5x the Miles. This includes; Flight + Accommodation, or Flight + Car Rental. AIR MILES Blue collectors get 3 AIR MILES® Reward Miles™ for every $15 CAD spent, per bundled travel booking transaction. AIR MILES Gold® collectors can get 4 AIR MILES Reward Mile for every $10 CAD spent, per bundled travel booking transaction. AIR MILES Onyx collectors can get 5 AIR MILES Reward Miles for every $5 CAD spent, per bundled travel booking transaction. Offer is valid for collectors who make a booking on AIR MILES® Travel. The Miles earned will be calculated on the booking collector status at the time of booking and the base cost of the booking made in a single transaction. Miles are not earned on any taxes and fees. Offer applies to the amount of the booking paid for by credit card. Offer applies only to transactions where both travel components are booked together in a single transaction, and the bundle type is selected prior to booking/purchase completion. Adding a second travel component to a previously completed booking will not qualify as a bundled package. Miles will be posted into the booking collector’s AIR MILES account within 5 to 10 days after travel is completed. AIR MILES reserves the right to change or retract an offer at any time without prior notice, or to retract an offer for deceptive booking behaviour, including but not limited to creating multiple collector numbers. AIR MILES reserves the right to offer a Reward Miles earn rate at an equivalent or greater value to all collectors. By participating in this offer you agree to the AIR MILES Travel Terms of Use.

5. World Elite: 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. 

No Fee: 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.

6. 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. 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 Reward 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.

7. BMO Welcome Bonus: BMO AIR MILES Mastercard applications must be received between March 24, 2025 and June 1, 2026 (the “Offer Period”). 1,600 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. 

In order to earn the 1,600 Bonus Miles, the following conditions must be met:
    1) Spend $1,500 in net card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 days after the account open date.
    2) Keep the account open and in good standing for at least 110 days.

The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program Terms and Conditions. Limit of one Bonus offer per Collector Account. This offer may be changed, extended or withdrawn at any time without notice. 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.

Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Bonus Miles to be credited to your AIR MILES primary Credit Cardholder’s Collector Account provided the account is open and in good standing. If the Credit Card is cancelled within 110 days from the date it was opened, all Bonus Miles earned within that period may be cancelled.BMO AIR MILES World Elite Mastercard applications must be received between June 1 to November 30, 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.

Up to 7,000 AIR MILES Bonus Miles (up to $730 in value in eVouchers or in-store partner redemptions)

Eligible approved applicants will receive:
    i. A bonus of 3,000 Bonus Miles will be applied to the primary Credit Cardholder’s Collector Account 110 days after the credit card account open date after you spend a minimum of $4,500 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 110 days after the account open date.
    ii. A further bonus of an additional 2,000 Bonus Miles will be applied to the primary Credit Cardholder’s Collector 180 days after the account open date when you spend a minimum of $10,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 180 days after the account open date.
     iii. An additional bonus of 2,000 Bonus Miles will be applied the primary Credit Cardholder’s Collector 365 days after the account open date when you spend $20,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days after the account open date.
     iv. The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program Terms and Conditions. Limit of one AIR MILES Bonus Miles Welcome Offer per Collector Number.

Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Bonus Miles to be credited to your AIR MILES primary Credit Cardholder’s Collector Account provided the account is open and in good standing. If the Credit Card is cancelled within 365 days from the date it was opened, all Bonus Miles earned within that period may be cancelled.

Annual Fee Waiver Offer ($120 in value): 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.

8. Use your Miles in increments of 95 Miles for every $10 towards your in-store purchase at participating AIR MILES partner locations (exclusions apply) or towards eVouchers that can be used at participating reward partners' locations in Canada. A maximum of $60 (570 Miles) can be used per transaction at Shell, up to 5 eligible transactions totalling $300 per day.  There is a daily redemption limit of $750 (7,125 Miles) across all participating in-store redemption partners and eVouchers. See specific eVoucher terms for details, including additional restrictions that may apply. Please allow up to 48 hours after order is placed for eVoucher to be delivered. Visit airmiles.ca/cash to learn more. Unless stated otherwise, these terms and conditions apply only to in-store partner redemptions and eVoucher redemptions; other forms of Miles redemptions, including through AIR MILES Travel and on merchandise rewards, are subject to separate terms and redemption rates. To use your Miles, you must have accumulated sufficient Miles in your collector account. All rewards are subject to the AIR MILES Reward Program Terms and Conditions, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.”

9. Payment for AIR MILES® Travel can be made one of  three ways: (i) 100% with AIR MILES® Reward Miles (with a credit card required at the time of booking to pay for all applicable surcharges, taxes, and fees); (ii) 100% with a credit card; or (iii) through a combination of credit card and AIR MILES® Reward Miles (subject to minimum redemption thresholds).

When booking with a combination of credit card and Reward Miles, there is a minimum threshold of Miles that must be redeemed, based on the type of booking. For standalone flights, accommodations, and rental bookings, a minimum of 50% of the total cost must be paid with Reward Miles. For package bookings (flights + accommodations or flight + car in a single itinerary), a minimum of 1% of the total cost must be paid with Reward Miles.

The lead passenger must be logged into their AIR MILES account (Collector Number and PIN or email address and password) at the time of booking. Only one AIR MILES® Collector Number can be used per booking. AIR MILES® Reward Miles redeemed will be deducted from your Account within three business days after booking. 

10. Collectors do not have to pay booking fees to AIR MILES when booking Flights, Accommodations, Rental Cars, Packages or Extras through AIR MILES Travel on airmiles.ca. A $30 booking fee applies for Cruise bookings.

11. Starting in 2025, an exclusive Travel discount has become available for AIR MILES Gold and Onyx collectors during one month in a calendar year, as chosen 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 Reward Miles discount (30% for Gold collectors or 40% for Onyx collectors), or (b) the applicable maximum discount (450 Miles for Gold collectors or 650 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.