American Express AIR MILES Reserve Card Calculator

Card Details & AIR MILES Calculator
1x/$10 Grocery
1x/$10 Gas Stations
1x/$10 Drugstores
1x/$10 AIR MILES Partners
Annual Companion Flight Benefit
Priority Pass
Waived Fees
Toronto Pearson Security Lane
AIR MILES Onyx Status
Travel and Purchase Protections

Calculate the cash value of the American Express AIR MILES Reserve Card based on spend and benefits. Compare side by side against top reward cards.

The AMEX AIR MILES Reserve credit card is the highest tier AIR MILES card that American Express offers. It earns AIR MILES Reward Miles on great everyday categories such as grocery, gas, and drugstores while suppling great travel benefits such as an annual companion pass and greater value through AIR MILES FlexFly.

Bonus Categories

The American Express AIR MILES Reserve Card features 4 bonus categories which are AIR MILES Partners, grocery stores, gas stations, and drugstores. The categories of grocery store, gas station, and drugstore spend apply to Canadian based locations. There is no limit to the amount of AIR MILES you can earn spending in these bonus categories and no limit to the amount of AIR MILES you can earn with the AMEX AIR MILES Reserve Card in general.

  • 1x/$10 Grocery Store in Canada
  • 1x/$10 Gas Station in Canada
  • 1x/$10 Drugstore in Canada
  • 1x/$10 AIR MILES Partners
  • 1x/$15 Non-Category

Perks & Benefits

The AMEX AIR MILES Reserve Card comes with a bunch of useful benefits for those who travel frequently and like to earn AIR MILES.

  • AIR MILES FlexFly
    • Book flights not available within the AIR MILES Flight program using AIR MILES Reward Miles or a combination of AIR MILES Rewards Miles and cash (using the AIR MILES Reserve Card).
    • 770 AIR MILES is equal to $100 in value which is 12.9 cents in value.
  • Annual Companion Flight Benefit
    • Bring a companion along when redeeming a flight for up to a maximum of 1,700 AIR MILES Reward Miles.
    • For flights that cost more than 1,700 AIR MILES, you will be able to pull from your AIR MILES Dream Balance to cover the remaining miles.
  • Cover Flight Taxes and Fees
    • Use your AIR MILES Reward Miles to pay for taxes and fees at the time of booking a flight.
  • Business Class Seats
    • Redeem AIR MILES Reward Miles towards Business Class seats.
  • Priority Pass Membership
  • Waived Flight Fees
    • Waived flight administration fee when booking online or with the AIR MILES Concierge team.
  • Complimentary AIR MILES Onyx Status
  • Toronto Airport Benefits
    • Access to the Toronto Pearson Priority Security Lanes (T1, T3)
  • AMEX Invites
    • Entertainment benefits including Front Of The Line Advanced Access and Reserve Tickets, special offers and experiences for cardmembers, and more.
  • Travel and Purchase Protections
    • $100,000 Travel Accident Insurance
    • Car Rental Theft & Damage
    • Lost of Stolen Baggage Insurance
    • Flight Delay Insurance
    • Baggage Delay Insurance
    • Hotel/Motel Burglary Insurance
    • Emergency Medical Insurance (Out of country/providence)
    • Buyer's Assurance Protection Plan
    • Purchase Protection Plan

Sign Up Bonus (SUB)

The standard sign up bonus for the AMEX AIR MILES Reserve Card is 2,400 AIR MILES Reward Miles after spending $3,000 on the card within the first three months of card membership. This has an easy value of $288 when you use FlexFly redemptions, but can be worth more or less depending on other redemptions.


Annual Fee

The annual fee for the AMEX AIR MILES Reserve Card is $299 per year. With the annual companion option and the additional benefits that come with the card, you should be able to make up for the fee with ease.

Authorized User Fee

The authorized user fee for the AMEX AIR MILES Reserve Card is $50 per additional card. If you have friends or family that spend in the bonus categories on this card, I recommend adding them to help earn AIR MILES Reward Miles faster.

Foreign Transaction Fee

AMEX AIR MILES Reserve Cardholders will be charged for the conversion to Canadian Dollars based on interbank rates selected from customary industry sources on the date the transaction is posted to your account plus 2.50% for each charge.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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