Terms & Conditions

1. BMO Ascend World Elite Mastercard applications must be received between March 6, 2024 and June 1, 2025 (the “Offer Period”) to be eligible for this offer. 45,000 BMO Rewards points will be applied to your BMO Rewards Collector Account 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 three (3) months after the account open date. 45,000 BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the qualifying $4,500 spend. Receive an additional 3,750 BMO Rewards bonus points for each subsequent 30 day period starting three (3) months after your account open date during which at least $2,500 in net purchases are posted to your account by the last day of the applicable monthly billing period. This additional monthly spend bonus will be earned only for the period beginning 4 months from the account open date and ending 15 months from the account open date. BMO Rewards monthly bonus points will be credited to your Collector Account within seven (7) business days following the qualifying $2,500 monthly spend. Account must be in good standing at the time the points are credited to receive the monthly spend bonus. The primary cardholder annual fee of $150 will be rebated in the first year and will appear as a fee and a credit on the primary cardholders first statement. Each Additional Card annual fee of $50 will be rebated in the first year if added at time of primary cardholder’s account opening and the annual fee of $50 will appear as a fee and a credit on the 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. This offer is not available to current or former BMO Ascend World Elite Mastercard cardholders who reinstate a closed account or open a new account during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.

   Pay with points: Pay with Points is one of the redemption options available to BMO Rewards cardholders. Cardholders can visit bmorewards.com to redeem their points to cover transactions made in the last 30 days by the primary cardholder. The cardholder is required to have enough points for $1 minimum redemption. Redemptions can be made for the full amount of the transaction or only a portion. Pay with Points won’t be available for transactions posted to the account for more than 30 days. Transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services. To redeem points, log into your BMO Rewards Account through bmorewards.com. Points will be redeemed up to the full amount of your Eligible Purchase or the cash value of your points, whichever is less. Only the Primary Cardholder is authorized to log into the BMO Rewards Account and redeem points. Point redemptions are reflected as soon as the next business day in your BMO Rewards Account and, on a monthly basis, as credits on your monthly statement.
   Note: Point redemptions do not count towards your monthly minimum payment. You are responsible for paying the minimum amount which appears on your monthly account statement.

2. • A. Offer is cumulative over the statement period. Award of CashBack rewards 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 CashBack Rewards Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of CashBack rewards will be rounded down to the nearest cent. *Conditions: CashBack World Mastercard: With the BMO CashBack World Mastercard card, you will only earn CashBack rewards on your account up to a maximum monthly spend of $7,000.

   • B. Offer is cumulative over the statement period. Award of CashBack rewards 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 CashBack Rewards Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of CashBack rewards will be rounded down to the nearest cent.

   • C. Earn 3% cash back on Grocery Store purchases made at merchant locations in Canada up to a maximum of $500 spent per statement cycle period. The 3% cash back includes the base earn rate of 0.5% cash back for card purchases (“Base Rewards”) and the bonus of 2.5% cash back for Grocery Store Purchases (“Bonus Rewards”). To earn Bonus Rewards, your Grocery Store Purchase must be made at merchant locations in Canada classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411). 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. To consult the list of participating merchants, please call the number on the back of your card.

   • D. Earn 1% cash back on Recurring Bill Payments purchases made at merchant locations in Canada up to a maximum of $500 spent per statement cycle period. The 1% cash back includes the base earn rate of 0.5% cash back for card purchases (“Base Rewards”) and the bonus of 0.5% cash back for Recurring Bill Payments made at merchant locations in Canada (“Bonus Rewards”). Recurring bill payments are defined as payments purchases on a monthly or regular basis, and which are automatically billed by the merchant to your BMO CashBack Mastercard. Not all merchants offer recurring payments, and not all ongoing payments will be considered “recurring bill payments” and therefore may not earn Bonus Rewards. Please check with your merchant to see if your recurring payment qualifies.

   • E. Receive 0.5% unlimited cash back on non-grocery and non-recurring bill payment purchases, and on grocery purchases and recurring bill payment purchases that exceed the $500 maximum spend per statement period.

3. BMO Rewards redemptions are subject to fees and charges. For details, please see the fees, charges, and pricing policy in the BMO Rewards Terms and Conditions as well as the Important Information about BMO Mastercard cards enclosure.
4. BMO Rewards points will not expire as long as the BMO Ascend World Elite Mastercard card or BMO Rewards Mastercard account (each hereafter referred to in this paragraph as the "Account") remains open and in good standing, except as described in the section of the BMO Rewards Terms & Conditions, which deals with the program termination. On cancellation of the Account, a cardholder will have 90 days in which to do either of the following: (i) redeem the points earned for one or more rewards; or (ii) reinstate the points by either reinstating the Account or opening a new Account and linking the points account that was attached to the cancelled Account to the new Account. After the ninety day period, unless the points are reinstated, any points that remain in the points account will expire. For details, please refer to the BMO Rewards Terms and Conditions for further details.
5. Not applicable.
6. Please refer to your BMO Mastercard or BMO Prepaid Travel Mastercard Cardholder Agreement for more information on the unauthorized use of your card.
7. Not applicable.
8. Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include balance transfers, cash-like transactions and Mastercard cheques. For current rates and fees, visit your branch; or, for Mastercard products call the Customer Contact Centre at 1-800-263-2263, for the BMO eclipse Visa Infinite Privilege^* Card call 1-833-256-7137 and for other eclipse Visa cards call 1-833-256-7136. To review current rates and fees for the BMO Prepaid Mastercard, visit bmo.com/rates-fees-prepaid, for all other credit cards visit bmo.com/rates-fees.
9. A. You will earn 5 BMO Rewards points for every $1 spent on eligible travel purchases, up to $15,000 annually per BMO Rewards collector account (resets January 1st of each calendar year). The 5 BMO Rewards points includes the base earn rate of 1 BMO Rewards point for every $1 spent on card purchases (“Base Rewards”) and the bonus of 4 BMO Rewards points for every $1 spent on eligible travel purchases (“Bonus Rewards”). To earn Bonus Rewards, your purchases must be made at merchants that are classified in the Mastercard network as: airlines, car rental agencies, hotels/resorts, cruise lines, passenger railways, tour operators, timeshares, and travel agencies (“Applicable Merchants”). If you exceed $15,000 in combined annual purchases, you will continue to earn the Base Rewards. You will earn 3 BMO Rewards points for every $1 spent on eligible dining and entertainment purchases, as well as recurring bill payments, up to $10,000 annually for each spend category, per BMO Rewards collector account (resets January 1st of each calendar year). The 3 BMO Rewards points includes the base earn rate of 1 BMO Rewards point for every $1 spent on card purchases (“Base Rewards”) and the bonus of 2 BMO Rewards points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments (“Bonus Rewards”). To earn Bonus Rewards, your purchases must be made at merchants that are classified in the Mastercard network as: dining: eating places, restaurants, drinking places, fast food restaurants and entertainment including motion picture theatres, theatrical producers, ticket agencies, bands, orchestras and miscellaneous entertainers, tourist attractions and exhibits, amusement parks, carnivals, circuses, aquariums, dolphinariums, zoos and seaquariums (“Applicable Merchants”). Recurring bill payments are defined as payments made on a monthly or regular basis, and which are automatically billed by the merchant to your BMO Ascend World Elite Mastercard. Not all merchants offer recurring payments, and not all ongoing payments will be considered “recurring bill payments” and therefore may not earn Bonus Rewards. Please check with your merchant to see if your recurring payment qualifies. If you exceed $10,000 in annual purchases for each spend category, you will continue to earn the Base Rewards. You will not earn the bonus BMO Rewards points on recurring bill payments that are also eligible travel, dining, or entertainment purchases. Some merchants may sell the same or similar products/services as the Applicable Merchants or are separate merchants who are located on the premises of the Applicable Merchants, but are classified by Mastercard in another manner (“Other Merchants”). You will only earn Base Rewards for purchases made at Other Merchants.
   
   B. Subject to the BMO Rewards Terms and Conditions, BMO Rewards points are calculated based on purchases of goods or services charged to the BMO eclipse rise Visa Card, BMO eclipse Visa Infinite Card, BMO eclipse Visa Infinite Privilege Card, BMO Ascend World Elite Mastercard or the BMO Rewards Mastercard account, less any refunds or adjustments, rounded down to the nearest whole point. Cash advances (including purchases of foreign currency or traveller's cheques), interest charges, fees, credit or debit adjustments and any amount other than purchases that may be charged to the account with the card, do not qualify for points. Bank of Montreal may establish other qualifying and non-qualifying transactions from time to time.
10. Not applicable.
11. Important details are contained in the booklet that will follow under separate cover with your BMO Mastercard. Insurance benefits provided by Chubb Insurance Company of Canada.
12. Not applicable
13. 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.
14. Offer is cumulative over the statement period. Reward miles will be earned on purchases made at participating Shell locations in Canada (including, Beaver, Turbo and Payless) to a maximum of $2,500 in any monthly billing period. The number of reward miles will be rounded down to the nearest whole number. Fractions of reward miles will not be awarded.
15. Earn Miles twice when you use your BMO AIR MILES Mastercard and show your AIR MILES Card at AIR MILES Partners. The amount of Miles you earn depends on the earn rate offered by the AIR MILES Partner and the earn rate offered on your BMO AIR MILES credit card.
16. • A. Offer is cumulative over the statement period. Award of 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 Terms and Conditions and the BMO Mastercard Cardholder Agreement. The number of Miles will be rounded down to the nearest whole number. Fractions of Miles will not be awarded. *Conditions: AIR MILES World Mastercard: With the BMO AIR MILES World Mastercard card, you will only earn Miles on your account up to a maximum monthly spend of $7,000.
    • B. Offer is cumulative over the statement period. Award of Miles is made for purchases charged to your account (less refunds) and is subject to the Terms and Conditions of the AIR MILES Reward Program and the BMO Business Mastercard Cardholder Agreement.
    • C. BMO AIR MILES Mastercard cardholders will earn 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/en/promotions/bmo3x.html for Partner details. Miles will be calculated on the total eligible cumulative purchases made at all participating AIR MILES Partners. 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.
17. BMO AIR MILES Mastercard cardholders will earn 1 AIR MILES Bonus 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 to earn 2 total Miles including the base earn rate. Grocery purchases at participating AIR MILES Partners will be 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. Bonus Miles 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. 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.
18. BMO AIR MILES World Elite Mastercard cardholders will earn 1 AIR MILES Bonus 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 to earn 2 total Miles including the base earn rate. Grocery purchases at participating AIR MILES Partners will be 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. Bonus Miles 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 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. 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.
19. With the BMO CashBack World Mastercard and BMO CashBack World Elite Mastercard, you will receive a free membership in the Dominion Automobile Association (DAA) and the benefits of their BMO Roadside Assistance Program (Basic Coverage). Membership terms and the features of the plan are described in the Certificate you will receive. DAA requires that BMO provide any information reasonably required solely for the purpose of confirming that you are covered by the Program.
20. You will earn bonus CashBack rewards for purchases made at participating Shell locations in Canada to a monthly maximum of $2,500 in Shell purchases in any monthly billing period. CashBack rewards will be rounded down to the nearest cent.
21. One year is the twelve-month period between annual fee-billing dates. If you qualify for the rebate, a credit equal to the annual fee will appear on the same statement in which your annual fee is billed.
22. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the BMO World Mastercard 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,
    151 North Service Road
    Burlington, Ontario L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
    
    
23. Subject to credit availability and verification of identity. Cash advance fees will apply.
24. All rewards are subject to the terms and conditions of the AIR MILES Reward Program and are subject to change and may be withdrawn without notice. Some restrictions apply. Quantities may be limited. Flights are based on the AIR MILES Reward Program Low Season schedule. Required number of reward miles is determined by the departure date. All reward miles quoted are for round-trip travel. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air travel Rewards. Travel Rewards may be subject to a minimum 2-day advance booking and availability from participating Suppliers. Additional flight options may be offered requiring additional reward miles. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888-247-6453 (in Toronto 416-226-5171).
25. Discount applies only to the base rate charge (time and mileage) and does not apply to applicable taxes, fees, surcharges, refueling, drop-off, delivery, youthful driver, additional driver, pick up, or one-way charges or any optional product or service (such as optional damage waiver of $50 or less per day), which are the responsibility of the Renter. Offer valid for vehicle car class reserved. Offer valid at participating airport and neighborhood locations in the valid countries/regions. Reservations at participating National Car Rental, Alamo Rent A Car and Enterprise Rent-A-Car partners must be made at least 24 hours in advance of scheduled pick-up time. Additional mandatory charges may be imposed, including, but not limited to, a customer facility charge, airport concession fee, tourism commission assessment, vehicle license recovery fee, or other government-imposed taxes or fees. For more information, including an estimate of your total rental cost, visit our Internet website at https://partners.rentalcar.com/bmo.
    
    BMO reserves the right to terminate the offer or change the terms at any time. This offer cannot be combined with any other discount and cannot be applied to a previous or existing reservation or rental. Offer is subject to vehicle availability at the time of booking. Renter and additional driver(s) must meet standard age, driver and credit requirements. Please check your auto insurance policy and/or credit card agreement for rental vehicle coverage. Other restrictions, including holiday and blackout dates, may apply. Pick-up and drop-off service is subject to geographic and other restrictions. Non-transferrable. Void where prohibited.
26. • A. Mastercard Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Ltd. This benefit will be available to all cardholders of a BMO Ascend World Elite Mastercard (“eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at mastercardtravelpass.dragonpass.com or on the Mastercard Travel Pass mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating lounge must present their Mastercard Travel Pass mobile app or membership document showing the QR code and DragonPass membership number (this may be obtained by the eligible cardholder by registering an account at mastercardtravelpass.dragonpass.com or downloading the Mastercard Travel Pass application from the app store) to the lounge receptionist and reference “Mastercard Travel Pass provided by DragonPass.” Value and benefits of the Mastercard Travel Pass complimentary membership are subject to change without notice. Use the four complimentary passes for yourself as the primary cardholder or to cover the cost of the lounge visit of your travelling companion. To identify the primary cardholder on your account, please check the name on your monthly statement. After using four passes, you and your travelling companion can continue to enjoy lounge access for a fee of just US$32 per person, per visit. For a complete list of open and eligible lounges, please visit mastercardtravelpass.dragonpass.com.
    • B. Mastercard Travel Pass benefit includes membership to participating lounges within the Mastercard Travel Pass provided by DragonPass program – approximate membership value of US$68. Enjoy lounge access for a fee of just US$32 per person, per visit. Mastercard Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Ltd. This benefit will be available to all cardholders of a BMO AIR MILES World Mastercard, BMO Cashback World Mastercard, BMO AIR MILES World Elite Mastercard or BMO Cashback World Elite Mastercard (all “eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at mastercardtravelpass.dragonpass.com or on the Mastercard Travel Pass mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating lounge must present their Mastercard Travel Pass mobile app or membership document showing the QR code and DragonPass membership number (this may be obtained by the eligible cardholder by registering an account at mastercardtravelpass.dragonpass.com or downloading the Mastercard Travel Pass application from the app store) to the lounge receptionist and reference “Mastercard Travel Pass provided by DragonPass.” Some offers may be subject to a per-person, per-visit charge. Where applicable and dependent upon the offer, access charges, including those for an accompanying guest, may be charged to your credit card. Value and benefits of the Mastercard Travel Pass complimentary membership are subject to change without notice.
    • C. Cardholders must enroll for this benefit, either through the Mastercard Travel Pass App (available to download for free) or on the Program Website (mastercardtravelpass.dragonpass.com) using a valid Canadian issued BMO World or World Elite Mastercard.
27. All flight options shown are estimates only. Actual number of BMO Rewards points required varies based on the retail price of the ticket available at the time of booking.
28. Not applicable.
29. You can transfer funds from your BMO bank account to your BMO Prepaid Travel Mastercard immediately through BMO Telephone, Online and Mobile Banking. Making a bill payment to your BMO Prepaid Travel Mastercard at a BMO ATM from your BMO bank account may take up to two (2) days to process. Other financial institutions that currently allow bill payments to your BMO Prepaid Travel Mastercard include: RBC Royal Bank, Scotiabank, CIBC, PC Financial, HSBC and Laurentian Bank, ATB (Alberta Treasury Board) and TelPay. Please check directly with your financial institution to find out if you can load funds to your BMO Prepaid Travel Mastercard. If your financial institution does not support bill payments to your BMO Prepaid Travel Mastercard, visit a BMO branch to open a deposit account. The minimum amount you can load into the account is CDN$100. The maximum amount you can load into the account is CDN$10,000. The maximum credit balance on the account, including any additional cards, is CDN$10,000.
30. Please refer to your BMO Mastercard or BMO Prepaid Travel Mastercard Cardholder Agreement for more information on the unauthorized use of your card.
31. Please contact the service team directly to set up automatic monthly payments from your BMO Chequing Account.
32. Membership terms and the features of the plan are described in the certificate that you will receive. Dominion Automobile Association requires BMO to provide any information reasonably required for the sole purpose of confirming that you are covered by the Program.
33. This service is GST applicable (registration # 10039-0095) for clients residing in MB, SK, BC, AB, NU, YT, & NT. This service is GST (registration # 10039-0095) and QST (registration # 1000042494) applicable for customers residing in Quebec. This service is HST applicable for clients residing in PEI, ON, NB, NS, & NL.
34. Mastercard contactless is available on most personal BMO credit cards. Mastercard contactless is not available at this time on BMO Affinity Mastercard cards, BMO Prepaid Travel Mastercard cards, BMO Mastercard for Business cards and BMO Harris Private Banking Mastercard cards. For more information, call the Customer Contact Centre at 1-800-263-2263.
35. All benefits described herein are subject to EXCLUSIONS AND LIMITATIONS. Benefits are reduced to Life insurance only at the age of 70. Please refer to your Certificate of Insurance for details of your coverage.
36. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the BMO AIR MILES World Elite Mastercard 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,
    151 North Service Road
    Burlington, Ontario L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
    
    
37. 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,
    151 North Service Road
    Burlington, Ontario L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
    
    
38. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the BMO CashBack World Elite Mastercard 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,
    151 North Service Road
    Burlington, Ontario L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
    
    
39. Subject to terms and conditions, including limitations, exclusions and other important information contained in the BMO Common Carrier Certificate of Insurance, which is sent to new cardholders. Insurance benefits provided by Chubb Insurance Company of Canada.
40. 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,
    151 North Service Road
    Burlington, Ontario L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
    
    
41. BMO Credit Card Balance Protection Enhanced is underwritten by American Bankers Insurance Company of Florida (ABIC) and American Bankers Life Assurance Company of Florida (ABLAC) under group master policy numbers 1020BPE and 1020BPEL. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant^®. ^®Assurant is a registered trademark of Assurant, Inc. Please refer to the Certificate of Insurance for further details on terms and conditions.
42. 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,
    151 North Service Road
    Burlington, Ontario L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
    
    
43. Not applicable.
44. Mastercard contactless is available on most personal BMO credit cards. Mastercard contactless is not available on BMO Prepaid Travel Mastercard cards and select affinity credit cards. For more information, call the Customer Contact Centre at 1-800-263-2263.
45. Redeem AIR MILES reward miles in the Cash balance of your Collector Account in-store in increments of ninety-five (95) reward miles for $10 off your purchases at participating AIR MILES Sponsor locations to a maximum of $750 per day and online at airmiles.ca/cash in increments of ninety-five (95) reward miles for every $10 value from participating AIR MILES eVoucher Partners to a maximum of $750 per day. eVouchers can be used at participating eVoucher Partners' locations in Canada only. See specific eVoucher reward page for details and any restrictions. Visit airmiles.ca/cash to learn more. You must have accumulated sufficient reward miles in the Cash balance of your Collector Account to redeem reward miles towards in-store purchases and eVouchers. 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.
46. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the BMO Ascend World Elite Mastercard 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,
    151 North Service Road
    Burlington, Ontario L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
    
    
47. 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,
    151 North Service Road
    Burlington, Ontario L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
    
    
48. As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 20% off admission to Cirque du Soleil shows touring Canada. 20% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Valid on available seats. Sales are final, no refunds or exchanges. May not be combined with any other offer or promotion. Not valid on previous purchased tickets. While quantities last.
49. As an Official Partner of Cirque du Soleil in Canada, Mastercard is proud to offer BMO Mastercard cardholders access to 15% off on resident shows in Las Vegas. 15% discount is automatically applied on tickets purchased via www.cirquedusoleil.com/bmomastercard. Offer valid for selected performances and seating. Subjected to availability. Cannot be combined with any other offer discount. Offer is not valid for previously purchased tickets. Tickets subject to applicable Live Entertainment Tax, service fees, and delivery fees. Sales are final, no refunds or exchanges.
50. N/A
51. One-time cash back redemption amounts must be equal or greater than $1 and will be deposited 2 - 5 business days following the date the deposit is requested. Automatic recurring cash back redemption amounts must be equal or greater than $25 and will be deposited 2 - 5 business days following the customer’s statement cycle date when an existing cash back balance is equal of greater than $25. Bank deposits require accurate account details.
52. BMO eclipse Visa Infinite Privilege applications must be received between March 6, 2024 and June 1, 2025 (the “Offer Period”) to be eligible for this offer. 50,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $6,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the applicable qualifying spend threshold being met. Receive an additional 30,000 BMO Rewards points (6) months after the Credit Card account open date after you spend a minimum of $30,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first six (6) months after the account open date. The 30,000 BMO Rewards points will be applied to your BMO Rewards Collector Account within forty (40) business days following the applicable qualifying criteria being met. Receive an additional 40,000 BMO Rewards points twelve (12) months after the Credit Card account open date when you spend a minimum of $75,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first twelve (12) months after the account open date, as long your account is in good standing at the time you qualify for the additional points. This offer is not available to current or former BMO eclipse Visa Infinite Privilege cardholders who reinstate a closed account or open a new account during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.
53. The accelerated earn rate is 5 BMO Rewards points (as applicable) per $1 charged to the Account for purchases made at merchant locations in Canada classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “air fare”, “hotel”, “car rental”, “grocery”, “dining”, “drugstore” or “gas” category. The accelerated earn rate applies to the first $100,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, which can be calculated from January 1st to December 31st each year. Once the cardholder exceeds this threshold, the cardholder will continue earning points at the regular earn rate of 1 point per $1 in purchases. BMO Rewards points will not be posted to an Account that is not in good standing when the purchases are made or when a statement is issued, or to an Account that is not open when the statement is issued.
54. As an introductory feature, primary cardholders that add a supplementary card to their account will receive a 25% bonus earn rate to their existing card accelerator. This benefit will be available for transactions made both by the primary customer and its authorized user(s). The benefit will be present in the account until BMO communicates to the primary cardholder that the benefit will be discontinued. Refer to the following eligibility criteria for supplementary cardholders: Authorized User is at least 13 years of age; Primary account must be activated before authorized user is added; Authorized User must have a Canadian address where they can receive correspondence if required; Authorized User is not being requested in the name of the primary cardholder; Authorized User is not already on the account; Account has less than 9 Authorized Users; Authorized User being added is not in a Business Name. This offer is subject to change.
55. Primary Cardholder will be eligible to receive a $200 statement credit each year (annual period starts on the account anniversary date of account opening at your annual fee renewal). The Account will be credited within two statement cycles after a purchase that is equal to or greater than the total amount of the statement credit on the Account is made, provided the Account is open and in good standing at the time of payout. Only one $200.00 credit is awarded per Account, per year. If you transfer your Account into a different product or back into an eligible product within the same annual period, or if you cancel and reapply for an eligible product within the same annual period, you will not be entitled to a subsequent $200.00 credit that annual period.
56. The earn rate for purchases at merchants not classified as air fare, hotel, car rental, gas, grocery, drugstore, or dining in Canada is 1 BMO Rewards point (as applicable) per $1 charged to the Account. For the accelerated earn rate, transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.
57. BMO eclipse Visa Infinite Privilege Card cardholders have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Both primary and secondary cardholders must enroll for this benefit separately, either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using a valid Canadian issued Visa Infinite Privilege Card. Membership includes access to participating lounges within the Visa Airport Companion Program – approximate value calculated based on DragonPass Classic membership fee and cost of airport lounge visits. Upon enrollment, 6 complimentary lounge visits will be available for the Cardholder per membership year; the complimentary visits can be used by the Cardholder for themselves and for their accompanying guests at participating lounges. All additional visits beyond the complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access charges will be billed to the Visa Infinite Privilege Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (e.g. when the Cardholder enrolled for the Program). To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program, please visit the Program App or Website. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor BMO is responsible for any claims or damages arising from participation in the Program.
58. You must be an eligible Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege Airport Benefits & Services. Visa Infinite Privilege Airport offer is subject to availability. Discounts and benefits are non-transferable. Discounts cannot be combined with any other offer or discount. Benefits and services only apply to select Canadian airports. Visa reserves the right to modify or cancel this offer at any time and without notice. For more information please visit www.visainfinite.ca/privilege.
59. For full program terms and conditions please visit www.visaluxuryhotelcollection.com. When you book through the Visa Infinite Luxury Hotel Collection you will automatically enjoy the following seven exclusive benefits: Best Available Rate Guarantee, automatic room upgrade upon arrival when available, 3PM check-out when available, complimentary continental breakfast, free in-room internet, $25 food or beverage voucher, VIP Guest Status.
60. The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Privilege Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Privilege Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Privilege Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite Privilege card.
61. Offers are available to Visa Infinite and Visa Infinite Privilege cardholders only. Limit of 6 tickets per cardholder, and tickets are subject to availability. Go to visainfinite.ca for tickets, which may be refunded, at the cardholder’s request, up to 4 days before the event date. Cancellations made less than 4 days prior to the event date are non-refundable. Events may be modified or cancelled, by Visa, in whole or in part at any time, for any reason, without prior notice or liability to any person. Advertised chefs and sommeliers may change without notice. Seating requests and special dietary restrictions and allergies will be considered when requested at booking, but cannot always be accommodated. Please drink responsibly. Venues are not conducive to young children.
62. Eligible Visa Infinite and Visa Infinite Privilege cardholders must be legal drinking age to participate in this benefit. Reservations are mandatory for the wineries that are flagged by a star [^*] on visainfinite.ca/privilege. Please contact the winery directly for reservations, hours of operation, blackout dates and other details. Tours, tastings, selection of merchandise, including wine, may be subject to availability. Eligible Visa Infinite and Visa Infinite Privilege must be presented at winery and used for any program-related purchases. Wine experiences may be modified or cancelled, by Visa or wineries, in whole or in part at any time, for any reason, without prior notice or liability to any person. Please drink responsibly. Venues are not conducive to young children.
63. You must be an eligible Canadian Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege Troon® Golf Benefit. The Visa Infinite Privilege Troon Golf Benefit may be cancelled if your Visa Infinite Privilege card is cancelled. By reserving through Troon, the cardholder consents to be bound by all the terms and conditions, as stated herein through the Visa Infinite Privilege Troon Golf Benefit, as well as the Troon Rewards® Terms and Conditions and the Troon Privacy Policy. Troon, Visa and its Issuers, or any of its Concierge providers, are not responsible for any claims or damages arising from this offer. Troon and Visa reserve the right to modify or cancel this benefit at any time without notice.
64. Pay with Points is available for eligible purchases only. Cardholders can visit bmorewards.com to redeem their points to cover eligible transactions. The cardholder is required to have enough points for $1 minimum redemption.
    
    To redeem your BMO Rewards points for travel, you can book through any travel provider of your choice using your BMO credit card and then use Pay with Points for your eligible travel purchases. To be eligible for Pay with Points travel redemption, your travel purchases must be made at merchants that are classified as: airlines, car rental agencies, hotels/resorts, cruise lines, vacation packages, eligible vacation rentals, passenger railways, timeshares, travel agencies and tour operators.
    
    Please refer to the Pay with Points section of bmorewards.com for extended Terms and Conditions.
65. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the BMO eclipse Visa Infinite Privilege^* 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,
    151 North Service Road
    Burlington, Ontario L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
    
    
66. BMO eclipse Visa Infinite applications must be received between January 6, 2022 and June 1, 2025 (the “Offer Period”) to be eligible for this offer. 30,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $3,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months after the account open date. 30,000 BMO Rewards welcome bonus points will be credited to your Collector Account within sixty (60) business days following the qualifying $3,000 spend. Receive an additional 2,500 BMO Rewards bonus points for each subsequent 30 day period three (3) months after your account open date during which at least $2,000 in net purchases are posted to your account by the last day of the applicable monthly billing period. The additional monthly BMO Rewards bonus points will be earned only for the period beginning 4 months from the account open date and ending 15 months from the account open date. BMO Rewards monthly bonus points will be credited to your Collector Account within seven (7) business days following the qualifying $2,000 monthly spend. Account must be in good standing at the time the points are credited to receive the monthly spend bonus. Account must be in good standing at the time the points are credited to receive the monthly spend bonus. The primary cardholder annual fee of $120 will be rebated 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. Offer does not apply to the Additional Card annual fee. This offer is not available to current or former BMO eclipse Visa Infinite cardholders who reinstate a closed account or open a new account during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice.
67. The accelerated earn rate is 5 BMO Rewards points (as applicable) per $1 charged to the Account for purchases made at merchant locations in Canada classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery”, “dining”, or “transit” category. The accelerated earn rate applies to the first $50,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, which can be calculated from January 1st to December 31st each year. Once the combined cardholder spend exceeds this threshold, they will continue earning points at the regular earn rate of 1 point per $1 in purchases. BMO Rewards points will be posted to the primary cardholder’s account, provided the Account is open and in good standing when the purchases are made and when the statement is issued.
68. As an introductory feature, primary cardholders that add a supplementary card to their account will receive a 10% bonus earn rate to their existing card accelerator. This benefit will be available for transactions made both by the primary cardholder and its authorized user(s). Refer to the following eligibility criteria for supplementary cardholders: Authorized User is at least 13 years of age; primary account must be activated before Authorized User is added; Authorized User must have a Canadian address where they can receive correspondence if required; Authorized User is not being requested in the name of the primary cardholder; Authorized User is not already on the account; account has less than 9 Authorized Users; Authorized User being added is not in a Business Name. This offer is subject to change.
69. Primary Cardholders will be eligible to receive a $50 statement credit each year (annual period starts on the account anniversary date of account opening at your annual fee renewal). The Account will be credited within two statement cycles after making a purchase that is equal to or greater than the total amount of the statement credit on the Account, provided the Account is open and in good standing at the time of payout. This offer is subject to change. Primary Cardholders are limited to a maximum of one $50 credit within the annual period. If you transfer your Account into a different product and back into an eligible product within the same annual period, or if you cancel and reapply for an eligible product within the same annual period, you will not be entitled to a subsequent $50 credit in that annual period. Any additional lifestyle credit of $50 awarded to the Primary Cardholder within the annual period as a result may be subject to claw back.
70. The earn rate for purchases at merchants not classified as gas, grocery, transit, or dining in Canada is 1 BMO Rewards point (as applicable) per $1 charged to the Account. For the accelerated earn rate, transactions made in the following categories won't be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.
71. The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite card.
72. You must be an eligible Canadian Visa Infinite cardholder with a valid Visa Infinite card to take advantage of the Visa Infinite Troon Golf Benefit. The Visa Infinite Troon Golf Benefit may be cancelled if your Visa Infinite card is cancelled. By reserving through Troon, the cardholder consents to be bound by all the terms and conditions, as stated herein through the Visa Infinite Troon Golf Benefit, as well as the Troon Rewards® Terms and Conditions and the Troon Privacy Policy. Troon, Visa and its Issuers, or any of its Concierge providers, are not responsible for any claims or damages arising from this offer. Troon and Visa reserve the right to modify or cancel this benefit at any time without notice.
73. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the BMO eclipse Visa Infinite 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,
    151 North Service Road
    Burlington, Ontario L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
    
    
74. 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/en/promotions/bmo3x/bmo-promo-partners.html for Partner details. 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 is available on eligible purchases and may be withdrawn or changed at any time without notice.
75. Earn 5% cash back on the first $500 you spend on grocery purchases made at merchant locations in Canada per statement cycle period and 1% unlimited cash back thereafter. The 5% cash back includes the base earn rate of 1% cash back for card purchases (“Base Rewards”) and the bonus of 4% cash back for grocery purchases (“Bonus Rewards”). To earn Bonus Rewards, grocery purchases must be made at merchant locations in Canada classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411). In no event will BMO (“Bank of Montreal”) be liable or responsible for any claims with respect to a grocery purchase made to a merchant that is not classified by MCC 5411.
76. Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of August 20, 2024.
77. Earn 4% cash back on the first $300 you spend on ground transportation purchases made at merchant locations in Canada per statement cycle period and 1% unlimited cash back thereafter. The 4% cash back includes the base earn rate of 1% cash back for card purchases (“Base Rewards”) and the bonus of 3% cash back for ground transportation purchases (“Bonus Rewards”). To earn Bonus Rewards, ground transportation purchases must be made through merchant locations in Canada classified by Mastercard's "Merchant Category Code" as "Transportation – Suburban and Local Commuter Passenger including Ferries" (MCC 4111), “Passenger Railways” (MCC 4112), “Taxicabs and Limousines” (MCC 4121), “Bus Lines” (MCC 4131) or “Transportation Services not elsewhere classified” (MCC 4789). In no event will BMO(“Bank of Montreal”) be liable or responsible for any claims with respect to a ground transportation purchase made to a merchant that is not classified by MCC 4111, MCC 4112, MCC 4121, MCC 4131 or MCC 4789.
78. Earn 3% cash back on the first $300 you spend on automobile and vehicle fuel purchases made at merchant locations in Canada per statement cycle period and 1% unlimited cash back thereafter. The 3% cash back includes the base earn rate of 1% cash back for card purchases (“Base Rewards”) and the bonus of 2% cash back for automobile and vehicle fuel purchases (“Bonus Rewards”). To earn Bonus Rewards, automobile and vehicle fuel purchases must be made through merchant locations in Canada classified by Mastercard's "Merchant Category Code" as "Service Stations" (MCC 5541), “Automated Fuel Dispenser” (MCC 5542) or “Electric Vehicle Charging” (MCC 5552). In no event will BMO(“Bank of Montreal”) be liable or responsible for any claims with respect to an automobile and vehicle fuel purchase made at a merchant that is not classified by MCC 5541, MCC 5542 or MCC 5552.
79. Earn 2% cash back on the first $500 you spend in recurring bill payments made at merchant locations in Canada per statement cycle period and 1% unlimited cash back thereafter. The 2% cash back includes the base earn rate of 1% cash back for card purchases (“Base Rewards”) and the bonus of 1% cash back for recurring bill payments made at merchant locations in Canada (“Bonus Rewards”). Recurring bill payments are defined as payments on a monthly or regular basis, and which are automatically billed by the merchant to your BMO CashBack World Elite Mastercard. Not all merchants offer recurring payments, and not all ongoing payments will be considered “recurring bill payments” and therefore may not earn Bonus Rewards. Please check with your merchant to see if your recurring payment qualifies. You will not earn the 1% bonus cash back on Recurring Bill Payments that are also eligible grocery, transit or gas and electric vehicle charging purchases as classified by Mastercard’s “Merchant Category Code” and are subject to the bonus capping rules of eligible grocery, transit or gas and electric vehicle charging purchases.
80. Not applicable
81. Not applicable
82. Not applicable
83. An administration fee (plus taxes), if applicable, will apply for each flight order. Flight offer applies only to Reward Miles used to order select flights updated on airmiles.ca.
84. Quantities may be limited. Collector status merchandise offer applies to Reward Miles used to order select merchandise rewards updated on airmiles.ca.
85. Collector status flight and merchandise offers cannot be combined with any other offers such as Travel Specials and Deals of the Week. AIR MILES reserves the right to offer flights and merchandise at an equivalent or lesser number of Miles to all collectors.
86. AIR MILES Gold and Onyx collectors have the option of CASH + MILES at checkout when booking on AIR MILES Hotels + Cars where they can redeem 50% of the Miles quoted and pay for the balance on a credit card.
87. Please see full Personal shopper service terms and conditions.
88. Effective October 4, 2021, Onyx collectors enjoy automatic Shell Go+ membership status and have access to the corresponding benefits until December 31, 2022. If you qualify for Onyx collector status between October 4, 2021 and December 31, 2021, your access to Shell Go+ membership may take up to 30 days from the date you qualify. If you qualify for Onyx between January 1, 2022 and December 31, 2022 and have transacted at Shell in the past 12 months, your access to Shell Go+ membership may take up to 24 hours of your Onyx collector status qualification. If you qualify for Onyx between January 1, 2022 and December 31, 2022 and have not transacted at Shell in the past 12 months, you must make an eligible purchase to earn at least one Reward Mile and show your AIR MILES card at Shell to access Shell Go+ membership, which may take up to 48 hours after the purchase transaction. Shell Go+ membership is subject to the Shell Go+ terms and conditions which can be found at shellgoplus.ca.
89. 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 1,000 eligible Reward Miles in a calendar year. Should they qualify for Onyx collector status based on their collection of 6,000 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 Miles 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/gold for the most up to date information.
90. Cardholders of the BMO AIR MILES World Elite Mastercard, BMO AIR MILES Business Mastercard and BMO AIR MILES Small Business World Elite Mastercard (“Eligible Cardholders”) enjoy automatic AIR MILES Onyx collector status and have access to the corresponding benefits as long as they remain Eligible Cardholders (“Partner Designation”). Should their Eligible Cardholder status terminate, then requalification for Onyx collector status is based on their collection of 6,000 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 6,000 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/onyx for the most up to date information.
91. The 20,000 BMO eclipse rise Visa Card welcome bonus points offer is limited to new BMO eclipse rise Visa Card accounts. Applications must be received between December 4, 2023 and June 1, 2025 (the “Offer Period”) to be eligible for this offer. Receive 20,000 BMO Rewards points when you spend a minimum of $1,500 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first three (3) months from the account open date. 20,000 BMO Rewards points will be credited to your Collector Account within sixty (60) business days following the qualifying $1,500 spend. This offer is not available to current or former BMO eclipse rise Visa Card cardholders who reinstate a closed account or open a new account. If a cardholder cancels their account within ninety (90) days from the account open date the welcome bonus will be cancelled. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. Offer may be changed without notice.
92. You will earn 5 BMO Rewards points for every $2 spent on eligible grocery and dining purchases, and recurring bill payments. The 5 BMO Rewards points includes the base earn rate of 1 BMO Rewards point for every $2 spent on card purchases (“Base Rewards”) and the bonus of 4 BMO Rewards points for every $2 spent on eligible grocery and dining purchases, and recurring bill payments (“Bonus Rewards”). To earn Bonus Rewards on grocery and dining purchases, your purchases must be made at merchant locations in Canada classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “grocery” or “dining” category. Recurring bill payments are defined as payments made on a monthly or regular basis, and which are automatically billed by the merchant to your BMO eclipse rise Visa card. Not all merchants offer recurring payments, and not all ongoing payments will be considered “recurring bill payments” and therefore may not earn Bonus Rewards. Please check with your merchant to see if your recurring payment qualifies. You will not earn Bonus Rewards on recurring bill payments that are also eligible grocery or dining purchases. The Bonus Rewards earn rate applies to the first $5,000 in annual purchases in each Bonus Rewards category per BMO Rewards collector account, at merchants qualifying for the Bonus Rewards earn rate, which can be calculated from January 1st to December 31st each year. Once the combined cardholder spend on the BMO Rewards collector account exceeds this threshold, you will continue earning points at the Base Rewards earn rate of 1 point per $2 in purchases. BMO Rewards points will be posted to the primary cardholder’s account, provided the Account is open and in good standing when the purchases are made and when the statement is issued.
93. The Base Rewards earn rate for purchases at merchants not classified as grocery, dining or recurring bill payments in Canada is 1 BMO Rewards point per $2 charged to the Account. For the Bonus Rewards earn rate, transactions made in the following categories won’t be eligible for this service: Money Transfer Agent/Wire Transfers, Financial Institutions-Manual cash disbursements, Financial Institutions- Automated cash disbursements, Non-Financial Institution – Foreign Currency/Quasi-Cash, Dating or Escort Services, Truck Stop Transactions, Government-Owned Lottery (US Only), Government-Licensed On-Line Casinos (On-Line Gambling) – (US Only), Government-Licensed Horse/Dog Racing- (US Only), Betting including lottery, gaming, chips, track wagers, Political Organizations, Religious Organizations, Tax Payments, Merchants that have sale of counterfeit or trademark infringing products or services, Merchants that have sale of adult or mature content products or services.
94. To qualify for the annual 2,500 BMO Rewards points bonus, eligible BMO eclipse rise Visa Card cardholders must pay their statement balance in full and on time each billing period for twelve (12) consecutive billing periods. The 2,500 BMO Rewards points bonus will be awarded once per year on the anniversary date of the Account to BMO eclipse rise Visa Card cardholders who meet the aforementioned requirement on an annual basis. Account must be in good standing. Please allow up to eight weeks for your bonus points to be awarded.
95. To qualify for the annual 2,500 BMO Rewards points bonus, eligible BMO eclipse rise Visa Card cardholders must redeem a minimum of 12,000 BMO Rewards points in Pay with Points within a twelve (12) month period (period begins at Account open date). The 2,500 BMO Rewards points bonus will be awarded once per year on the anniversary date of the Account to BMO eclipse rise Visa Card cardholders who meet the aforementioned requirement on an annual basis. Account must be in good standing. Please allow up to eight weeks for your bonus points to be awarded.
96. Installment plans give primary cardholders the ability to repay eligible purchase amounts in monthly payments over a defined repayment schedule subject to terms and conditions. Purchases or balances that you turn into installment plans count towards your available credit limit. You are eligible for one Free BMO PaySmart installment plan for an amount of $100-$1,000 every 24 months starting from the day you create your first free plan. If you cancel your plan, your next eligible date for one Free BMO PaySmart installment plan for an amount of $100-$1,000 will remain 24 months from the date you created the plan you are cancelling. If you cancel your card with a used Free BMO PaySmart installment plan, any new card account you open may not be eligible for one Free BMO PaySmart installment plan of $100-$1,000 until 24 months from the day you created your first plan. Other conditions apply, please visit bmo.com/paysmart for more details.
97. Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the BMO eclipse rise Visa Card Certificates of Insurance booklet 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,
    151 North Service Road
    Burlington, Ontario L7R 4C2
    Canada
    1-800-263-9120
    www.cumis.com
    
    

98. This benefit is available to the BMO Mastercard credit cardholders from April 23, 2024 to September 30, 2025.

    BMO Mastercard credit cardholders will receive up to 7% discount on booking.com/mastercardcanada hotel or property rental purchases subject to the following terms. The percentage of discount received shall be contingent upon the chosen hotel or property rental when booking accommodations marked with the Mastercard label and prepaying for such accommodations using an eligible Mastercard credit card^* at booking.com/mastercardcanada. Booking must be made at the dedicated Mastercard landing page (www.booking.com/mastercardcanada) in order for the cardholder to see the “Mastercard label” and determine property eligibility. Reservations booked but not prepaid are excluded from the promotion. Must select "Pay now" on the checkout page to receive the offer. Applicable discount will be given as an immediate amount removed from the purchase price of the relevant booking when the cardholder makes a payment with an eligible BMO Mastercard credit card^* Discount will vary based on eligibility of the accommodation and awarded at the time of booking. The discount cannot be combined with any other discounts, promotions, loyalty programs or rebates. The discount applies to the accommodation cost only and does not include any additional fees or taxes. This benefit can be availed on all eligible offers on Booking.com with no limit on the number of uses. If your booking is non-refundable, cardholders cannot cancel the booking. If the booking has free cancellation or is partially refundable, cardholders can check their confirmation email or the confirmation page under the "Bookings" section of their account for the cancellation fees.

    BMO Mastercard credit cardholders can visit booking.com/help to contact Booking.com Customer Service.

    ^* “Eligible Mastercard” means Mastercard branded consumer or small business credit cards (as applicable) issued in Canada. Excluding Prepaid Mastercard’s and any such cards that are used through a mobile wallet solution (e.g. Apple Pay, Google Pay, etc.).

99. BMO AIR MILES Mastercard and BMO AIR MILES World Elite Mastercard cardholders will earn 2 AIR MILES Bonus Miles including the base earn rate (please see BMO AIR MILES Mastercard base earn rates below) made at eligible Wholesale Club merchants classified by Mastercard’s “Merchant Category Code” as “Wholesale Club” (MCC 5300), and eligible Alcohol and Liquor merchants classified by Mastercard’s “Merchant Category Code” as “Package Stores, Beer, Wine, Liquor” (MCC 5921).
    Starting April 23, 2024, BMO AIR MILES Mastercard cardholders will earn 2 AIR MILES Bonus Miles including the base earn rate 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. Bonus 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. Bonus 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. 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.
    Starting April 23, 2024, BMO AIR MILES World Elite Mastercard cardholders will earn 2 AIR MILES Bonus Miles including the base earn rate 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. Bonus 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. Bonus 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. 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.

100. Based on competitive intelligence as of April 23^rd, 2024. No other credit card issued by a Canadian Financial Institution offers accelerated loyalty program points earn on both alcohol retailers and wholesale clubs, as an embedded, always-on benefit.

101. 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.
     

     Offer is valid until February 28, 2025 at Participating Shell Locations for current members of the Canadian Automobile Association (“CAA^®**”). The Offer provides a discount of 3 cents per litre when a qualified customer purchases any grade of Shell fuel (the “Discount”). The Discount shall apply to a maximum purchase of 1,000 litres per calendar month per CAA membership number. The Offer also provides a 10% discount on car wash purchases by a qualified customer for personal use; and a 10% discount on convenience retail purchases made by a qualified customer for personal use, not including any tobacco products, lottery tickets, alcoholic beverages, gift cards, prepaid credit cards, phone cards, all printed materials or documents (including newspapers, magazines, books, maps, flyers, guides and all other written publications or documents), all items, goods, rights or services sold that are produced by, sold on behalf of, or otherwise obtained from any governments, regulatory bodies, governmental agencies or Crown corporations, including all postage and stamps, permits or licenses (including fishing, hunting, sporting or camping), and transportation tickets or fares (including ferries, bus or train), any other goods or services specified from time to time or as excluded by law, and any products ordered on-line and delivered via a third-party delivery service (collectively the Discount and the applicable offers, referred to as the “Offer”). No cash value. Any Discounts shall be calculated on the pre-tax amount and may be combined with other offers at Shell’s sole discretion. A valid CAA membership number must be presented at time of purchase. “Valid Members” means Members of Participating Clubs who meet the terms and conditions of the Member Offer and other terms, conditions and limitations imposed by Shell, acting reasonably and as posted on Shell or an Affiliate’s website or otherwise made available to the public for review, in order to ensure compliance with Applicable Laws and for the purposes of avoidance of customer fraud, abuse or misconduct, at any time and from time to time for participation in, or the benefit of, the Member Offer. Members using an existing Shell commercial business or “fleet” payment card are excluded from the Offer. This Offer is not available at Shell locations in Quebec, or to CAA members holding Quebec-CAA card numbers. Shell reserves the right to make changes to this Offer and to terminate the Offer at any time, for any reason and without notice. Additional restrictions and conditions may apply. Please contact your regional CAA club if you experience any difficulties getting your Discount.
     

     Trademarks and registered trademarks are property of their respective owners. Shell trademarks are owned by Shell Brands.
     

     International AG. Used under licence. CAA, BCAA, AMA and their emblems are registered trademarks of the Canadian Automobile Association, British Columbia Automobile Association and the Alberta Motor Association respectively. Participating Shell locations, and the portions of the Offer available at each location, can be found at: shell.ca/stationlocator.

102. BMO card-linked offers are available to collectors with eligible BMO Mastercard credit cards that are manually linked to their AIR MILES collector card at « airmiles.ca/cardlinkedoffers », as well as collectors with a BMO AIR MILES Mastercard that is auto-linked upon activation. By manually linking an eligible BMO Mastercard credit card to their AIR MILES^® collector card, collectors will automatically be enrolled in the Shell CPL offer outlined below. To see current available card-linked offers, collectors must visit the promotional website at « airmiles.ca/cardlinkedoffers ». To receive Bonus Miles, collectors must link their eligible BMO Mastercard credit card to their AIR MILES collector number and make eligible purchases at participating brands using the linked BMO Mastercard credit card (each an “Offer” and collectively the “Offers”). Please see each unique Offer terms and conditions for specific details. Terms and conditions of BMO card-linked offers vary by Partner are subject to change and may be withdrawn at any time, and individual eligibility for each Offer is subject to the Terms & Conditions for the card-linked offers found at « https://airmilescardlink.ca/terms?lang=en ». For a complete list of active card-linked offers and their respective Terms and Conditions, please visit « airmiles.ca/cardlinkedoffers ».

103. AIR MILES Gold^® collectors can transfer up to 1,000 Reward Miles^TM 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 Transfer Miles feature for Gold or Onyx collectors. To use the Transfer Miles feature, first log in to your AIR MILES account on airmiles.ca or in the AIR Miles App and visit the Transfer Miles 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.

104. For the up to 5x the AIR MILES Reward Miles offer: 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.
     

• ^†/®†footnote dagger / registered dagger details Trademark/Registered trademark of Bank of Montreal.
• ^®*/TM*footnote registered star / trademark star details Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.
• ^*footnote star details Trademark of Visa International Service Association and used under license.
• ^®†footnote registered dagger details Trademarks of AM Royalties Limited Partnership used under license by AIR MILES Loyalty Inc. and Bank of Montreal.
• ^®±footnote registered plus minus details “Shell” and the Shell Pecten are trademarks of Shell Brands International AG. Used under license. Used with permission by Bank of Montreal.
• ^®**footnote registered star star details CAA, BCAA, AMA and their emblems are registered trademarks of the Canadian Automobile Association, British Columbia Automobile Association and the Alberta Motor Association respectively.
• ^AA footnote A A details Minimum $60,000 (individual) or $100,000 (household) annual. Earn CashBack rewards on all card purchases to a maximum monthly spend of $7,000^* footnote *,.
• ^BB footnote B B details Minimum $60,000 (individual) or $100,000 (household) annual. Earn AIR MILES rewards on card purchases to a maximum monthly spend of $7,000^* foonote *,.
• ^® BMO is a registered trademark of Bank of Montreal.
• ^TM/® footnote trademark / registered details, Trademark/Registered trademark of Bank of Montreal.
• ^* footnote star details, Trademark of Visa International Service Association and used under license.
• ^®* footnote registered star details, Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.
• ^®† footnote registered dagger details, Trademarks of AM Royalties Limited Partnership used under license by AIR MILES Loyalty Inc. and Bank of Montreal.
• ^®†† footnote registered dagger dagger details, National Car Rental, Alamo Rent-A-Car, Enterprise Rent-A-Car are trademarks of © 2024 Enterprise Holdings, Inc.