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No fee everyday banking
Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
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 2025.
| Card | Earn Rate | Annual Fee | Best For |
|---|---|---|---|
| BMO AIR MILES World Elite MC | 1 Mile per $100 spent | $120 | 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 |
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.
Who it's for: Frequent shoppers at AIR MILES partner stores who want maximum earn rates and travel perks.
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.
Use Dream Miles for:
Flight redemptions typically require 1,500–3,000 Miles for short-haul Canadian routes. International flights require 5,000–15,000+ Miles.
Each Cash Mile = $0.1095 in savings at participating partner stores. Redeem in lots of 95 Miles for $10.95 off your purchase at Shell, Rexall, Staples, and thousands of other partners.
This depends on your priorities:
KOHO's prepaid Mastercard earns cash back on groceries and gas without the risk of credit card debt. No credit check, no annual fee. Use code BREMO2026 for a sign-up bonus.
Get KOHO Free — Use Code BREMO2026The 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 $120 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.