I have no issues with my BMO Airmiles Elite MasterCard except dealing with Global alliance over the refund of some air miles on hotel bookings that were not refundable during the COVID 19 travel restrictions. They keep asking for more proof when the amounts refunded and not refunded are clearly stated in an air miles document. They want flight itineraries even though the claim is not for the flight. They seem to be doing a poor job of reviewing documentation and being difficult perhaps hoping I'll drop the claim. I'd like MasterCard to drop them.
BMO AIR MILES World Elite MasterCard Consumer Reviews
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Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
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Generally this card is of good value (though less so now that they dropped the Air Miles discount from 25% to 15% for a flight) and Air Miles have decreased the numbers of flights they offer for base fare. Beware of the travel insurance. We had just embarked on the first leg of an out of country trip, travelling from a small community to a larger centre within the same province where we had an overnight layover before we caught our flight out of country. Due to a medical emergency, we had to cancel our trip and return home. Even though we had not reached our destination, or even left the country, Alliance-Global considered our trip to be interrupted, not cancelled, and did not refund costs associated with our original flights or expenses associated with being stuck away from home waiting to return home. If you are attracted to this card due to its insurance, be wary and read the policy very carefully. It is likely you will need to buy additional insurance to get proper coverage while travelling, which defeats part of the reason for having a credit card like this that has high annual fees.
Excellent insurance that is relevant to our lifestyle. Excellent rewards cash-back card partnered with Air Miles. The annual fee is however pricey.
Scotiabank® Gold American Express® Card
Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
Went with it for the higher value of air miles and to get the discounted rate on flights. Wanted a better selection of flights that were made available for me
service has been great with this card. the 1 air mile per 10$ spent is an excellent reward that allows us to be onyx member with air miles.
I find that the rewards are good but the annual fee tends to be on the expensive side compared to other cards
Scotia Momentum VISA Infinite Card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. What else will you get:
- 4% on eligible recurring bill payments and grocery store purchases
- 2% on eligible gas station and daily transit purchases
- 1% cash back on all other eligible everyday purchases
- Complimentary Concierge Services 24/7 Visa Infinite Dining Series Visa Infinite Music Series Wine Country Wonders Luxury Hotel Privileges
- Comprehensive Travel Insurance & New Mobile Device Insurance coverage
I like the card and the rewards
The annual fee is quite expensive
Airmiles program has had some set backs and thus the linkage to the rewards via this card are less valued to me.
Scotiabank® Gold American Express® Card
Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). What else will you get:
- Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
- Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
- Earn 1 point for every $1 you spend on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Comprehensive Travel Insurance coverage with 25 days of travel medical insurance for eligible persons under age 65
The application process was pretty quick. I just applied online at Bank of Montreal and a credit card was mailed to me shortly after. I've only had the card for a month or so