The BMO card has a $120 annual fee which pretty much negates 1,000 AirMiles and it's not FYF. It seems too that the 3,000 limited time promo is not active at this time. It's just 1,000 AirMiles welcome bonus right now.Check out the 3000 AM for the BMO MC, you do have to spend a little more, but its doable.