My Personal View on Air Miles Credit Cards

I prefer cash-back cards, less hassle and you never have to worry about your points getting de-valued, but an Air Miles credit card is still better than a no-rewards card!

On this page I am going to cover all of the major offerings of the BMO/Bank of Montreal Mosaic Line of Mastercards

Mosaic Mastercards With No Annual Fee

Your choice of Cash Back or Airmiles.

You can choose either 1 Air Mile per $40 Spent or 0.5% Cash Back

2012 FYI: I did end up getting charged the $25 annual fee, it just worked out that I got charged it as late as possible as it was charged on your anniversary date. The fee is rebated in future years as long as you do $1000/year, but you can't avoid getting dinged for it at least once.