The Best AIR MILES Credit Cards January 2025
Last updated on December 16, 2024
As one of, if not the largest loyalty program in Canada, AIR MILES garners a lot of attention. That's even the case here with Rewards Canada readers as a very common question we receive is what is the best AIR MILES credit card to get since there are quite a few to choose from? That's why we've created this page to narrow down those options for you. It still doesn't come down to one card however but the choices are definitely thinned out.
What it will come down to is what you are trying to achieve with AIR MILES. Are you looking to solely earn as many AIR MILES Reward Miles as possible? We list that here. Are you looking to earn miles but also want to receive benefits when you travel? Done, you'll want the most well rounded AIR MILES card. Are you looking to earn AIR MILES but don't want to pay an annual fee? That's listed here. Want to enjoy lots of perks when you travel? Go for the ultra premium card and so on!
Quick jump to each of the categories on this page:
The most well rounded AIR MILES credit card in Canada is the BMO AIR MILES World Elite Mastercard. It has a good limited time welcome bonus that includes paying no annual fee in the first year. The card provides an annual discount on AIR MILES Reward flights anywhere in the world and comes with an airport lounge access membership. On top of all this it has a pretty decent insurance coverage package. Like we said this the most well rounded AIR MILES card in Canada.
Why this is the most well rounded AIR MILES card
One of the best things about this card is the 25% discount it provides on one worldwide AIR MILES redemption annually
Complimentary membership in Mastercard Travel Pass provided by DragonPass
Provides one of the best returns on Costco warehouse purhcases in Canada (Earns 2x miles for a 1.67% return)
Provides automatic AIR MILES Onyx Elite Status
BMO AIR MILES®† World Elite®* MasterCard®*
Welcome offer: Get up to $1,000 in value including up to 7,000 AIR MILES Bonus Miles and no annual fee in your first year.†
Annual Fee: $120 (waived in first year) | Primary Card $50 Additional Card | Interest Rate: Purchases 21.99% Cash Advances & Balance Transfers 23.99% (21.99% for Quebec residents)
- Earn over 10x faster than other AIR MILES collectors:
- Get 3x the Miles for every $12 spent at participating AIR MILES Reward Partners* and 2x the Miles for every $12 spent at any eligible grocery store*
- 2x the Miles for every $12 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers*
- Earn 1 reward mile for every $12 in credit card purchases, everywhere you spend*
- Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
- Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
- Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
- Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
- BMO AIR MILES World Elite Travel and Medical Protection*
- Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
- Click here to apply for BMO AIR MILES®† World Elite®* MasterCard®*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
The best no annual fee AIR MILES card in Canada is the BMO AIR MIES Mastercard. It is your entry level card to get you started with the program or for some it is the secondary card to their American Express AIR MILES card to only use when they can't use their Amex, such as for Costco purchases. It has a decent welcome bonus that tends to range from 500 to 1,000 miles and earn rates of 3 Miles per $25 spent at select AIR MILES sponsors and 1 Miles per $25 on everything else.
Why is this card the best?
It has no annual fee!
Earns 3 miles per $25 spent at select AIR MILES sponsors
Earns 2 miles per $25 spent at warehouse clubs like Costco
Has a decent welcome bonus for a no fee card
BMO AIR MILES®† MasterCard®*
Limited time offer: Get 1,200 AIR MILES Bonus Miles!* That’s enough for $120 towards purchases with AIR MILES Cash*
Annual Fee: $0 | Additional Card Fee: $0 | Interest Rate: Purchases 21.99% Cash Advances & Balance Transfers 23.99% (21.99% for Quebec residents)
- Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
- Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store*.
- 2x the Miles for every $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers.
- Get 1 Mile for every $25 spent everywhere else*
- Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
- Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
- Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both*
- Receive a discount on car rentals*
- Extended Warranty
- Purchase Protection
- Click here to apply for BMO AIR MILES®† MasterCard®*
*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
The best small business AIR MILES card in Canada is the BMO AIR MIES World Elite Business Mastercard. It has a great welcome bonus that 3,000 miles and is typically offered with a first year annual fee waiver. The base earn rates of 1 Miles per $12 spent is especially strong and it also provides really good travel insurance coverage. It also comes with an annual airport lounge access membership through Mastercard TravelPass by DragonPass.
Why is this card the best?
An excellent welcome bonus with the first year annual fee waived
Earns 1 miles per $12 spent on all purchases + 4x miles at participating AIR MILES partners
Earns 1 miles per $12 spent on warehouse club purchases like Costco
Mastercard TravelPass by DragonPass airport business class lounge membership
BMO AIR MILES®† World Elite®* Business Mastercard®*
Welcome Offer: Get 3,000 AIR MILES Bonus Miles when you spend a minimum of $5,000 in the first three months. Plus, we'll waive the $149 annual fee for a year.*
Annual Fee: $149 Primary Card | $50 Additional Card | Interest Rate: Purchases 20.99% Cash Advances & Balance Transfers 23.99%
- Welcome Offer: Get 3,000 AIR MILES Bonus Miles when you spend a minimum of $5,000 in the first three months. Plus, we'll waive the $149 annual fee for a year.*
- Get 1 Mile for every $12 you spend*
- Get 4x the Miles when you use your card at participating AIR MILES partners
- Get up to 7 cents off per litre on all Shell®± fuel*
- 25 payment grace days*
- Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster* (employee cards have an annual fee of $50)
- Use your card at Costco locations across Canada*
- Travel Protection*
- Become A Cardholder & Get Access To Virtual On-Demand Healthcare With Maple*
- Click here to apply for BMO AIR MILES®† World Elite®* Business Mastercard®*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
Finally here is a list of all the cards in Canada earn AIR MILES Rewards Miles
BMO AIR MILES®† MasterCard®*
BMO AIR MILES®† Mastercard®* (Student)
BMO AIR MILES®† World Elite®* MasterCard®*
BMO AIR MILES®† World Elite®* Business Mastercard®*
BMO AIR MILES®† No-Fee Business® Mastercard®*
There you have it! The best AIR MILES cards in Canada!
Feel free to explore our site for many more articles, tips and tricks for credit cards and loyalty programs in Canada!