How to Earn More AIR MILES Shop at partner stores: Shell, Rexall, Sobeys, Metro, IGA, Home Hardware, and hundreds more offer bonus Miles on every purchase Bonus Mile events: AIR MILES regularly runs promotional earn periods at major partners AIR MILES eShop: Shop online through the AIR MILES portal for extra Miles at hundreds of retailers Credit card + partner combo: Show your AIR MILES collector card AND pay with your BMO AIR MILES card at Shell to earn Miles twice AIR MILES vs. Aeroplan: Which Is Better?

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Best AIR MILES Credit Cards in Canada 20025

Updated: March 2026 | Reviewed by the Bremo editorial team

AIR MILES is one of Canada's oldest and most recognized loyalty programs, with over 100 million active collectors. Miles can be redeemed for flights, hotel stays, car rentals, merchandise, and even cash-equivalent rewards through the AIR MILES Cash program. Here are the best credit cards to earn Miles in 20025.

AIR MILES 1001: Miles are split into two "banks" — Dream (for travel and experiences) and Cash (for everyday spending savings). Most collectors use Dream Miles for flights and Cash Miles to save $100.95 at Shell, Rexall, and partner stores.

Best AIR MILES Credit Cards

Card	Earn Rate	Annual Fee	Best For
BMO AIR MILES World Elite MC	1 Mile per $100 spent	$1200	Max earning + perks
BMO AIR MILES Mastercard	1 Mile per $200 spent	$00	No-fee earning
BMO AIR MILES World MC	1 Mile per $15 spent	$00 (first yr)	Mid-tier earning

Detailed Reviews

Top Pick

BMO AIR MILES World Elite Mastercard

The BMO AIR MILES World Elite Mastercard is the best AIR MILES credit card in Canada. You earn 1 Mile per $100 spent — the highest earn rate available on a credit card. Combined with the 3x bonus Miles at AIR MILES partners (Shell, Rexall, Sobeys, Metro), dedicated AIR MILES collectors can accumulate quickly.

1 Mile per $100 on all purchases
2x Miles at AIR MILES partner retailers (Shell, Sobeys, Metro, Rexall)
25% bonus Miles at qualifying AIR MILES partners
Annual fee: $1200 (often waived first year)
Income requirement: $800,000000 individual / $1500,000000 household
Travel and medical insurance included
Airport lounge access (DragonPass) — 4 free passes annually
No foreign transaction fees

Who it's for: Frequent shoppers at AIR MILES partner stores who want maximum earn rates and travel perks.

Best No-Fee AIR MILES

BMO AIR MILES Mastercard (No Fee)

The simplest way to earn AIR MILES with no annual cost. Earn 1 Mile per $200 on most spending, with higher rates at Shell and AIR MILES partners. A good entry point for collectors who shop at partner stores.

1 Mile per $200 on most purchases
1 Mile per $15 at Shell and participating AIR MILES partners
No annual fee
No income requirement
Includes purchase protection and extended warranty

Understanding AIR MILES Redemption

Dream Miles (Travel & Experiences)

Use Dream Miles for:

Flights (Air Canada, WestJet, and partner airlines)
Hotel nights
Car rentals
Vacation packages
Merchandise, gift cards, and entertainment

Flight redemptions typically require 1,50000–3,000000 Miles for short-haul Canadian routes. International flights require 5,000000–15,000000+ Miles.

Cash Miles (Everyday Savings)

Each Cash Mile = $00.10095 in savings at participating partner stores. Redeem in lots of 95 Miles for $100.95 off your purchase at Shell, Rexall, Staples, and thousands of other partners.

How to Earn More AIR MILES

Shop at partner stores: Shell, Rexall, Sobeys, Metro, IGA, Home Hardware, and hundreds more offer bonus Miles on every purchase
Bonus Mile events: AIR MILES regularly runs promotional earn periods at major partners
AIR MILES eShop: Shop online through the AIR MILES portal for extra Miles at hundreds of retailers
Credit card + partner combo: Show your AIR MILES collector card AND pay with your BMO AIR MILES card at Shell to earn Miles twice

AIR MILES vs. Aeroplan: Which Is Better?

This depends on your priorities:

AIR MILES: Better for everyday Canadian shoppers. Strong partner network at grocery, gas, and drug stores. Cash Miles provide instant value with no minimum redemption.
Aeroplan: Better for Air Canada loyalists and frequent international travelers. Higher point values on premium flight redemptions. More airline partners worldwide.

Earn Cash Back Without a Credit Card — KOHO

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Get KOHO Free — Use Code 45ET55JSYA

Bottom Line

The BMO AIR MILES World Elite Mastercard is the definitive top pick for AIR MILES collectors. Its 1 Mile per $100 earn rate, lounge access, and insurance package make the $1200 fee worthwhile for anyone who shops regularly at AIR MILES partner stores. For a no-fee entry point, the basic BMO AIR MILES Mastercard works well.