MastercardFX: 2.5%
BMO
BMO World Elite Air Miles MC
Air Miles
First Year Bonus
$450
Welcome Bonus
3,000 AM
Annual Fee
FYF
Spend Required
$3,000
Get notified when this offer goes elevated
We'll email you if BMO World Elite Air Miles MC runs a higher-than-normal welcome bonus.
Data verified Apr 1, 2026
Earn rates
3x
grocery & wholesale
2x
everywhere else
Points value: Variable — ~1.5–2¢/mile for flights
Transfer partners
Air Miles (redeems for flights, merchandise, cash)
Lounge access
No lounge access
Additional perks
- ✓$120 Air Miles companion flight reward annually
- ✓25% bonus on Air Miles at Shell
Insurance coverage
Travel Medical ($2M)
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkMastercard
Annual feeFYF
Foreign fee2.5%
Income req.$80,000 personal or $150,000 household
ProgramAir Miles
