BMO AIR MILES Mastercard Calculator

Card Details & AIR MILES Calculator
2x/$20 AIR MILES Partners
1x/$20 All Other Purchases
Rental Car Discounts
Entertainment Discounts
Purchase Protections
Extra Miles w/ Partners

Calculate how many AIR MILES you can earn and the cash value of those miles when using the BMO AIR MILES Mastercard. Compare side by side against top cards.


The BMO AIR MILES Mastercard is a step down from the BMO AIR MILES World Elite Mastercard which earns miles at double the rate. The good thing is that it has no annual fee, so any spend on the card will generate a positive return. Cardholders will also be able to earn 25% off car rentals with National Car Rental and Alamo Rent A Car.

Bonus Categories

The BMO AIR MILES Mastercard features one bonus category which is spending with AIR MILES partners. There is no limit to the amount of AIR MILES Rewards Miles you can earn spending in this category and no limit to the amount of miles you can earn with the BMO AIR MILES Mastercard.

Perks & Benefits

The BMO AIR MILES Mastercard comes with a few additional benefits along with some purchase protections.

  • Savings On Car Rentals
    • Save up to 25% off at National and Alamo.
    • Use Contract ID Number 3717122 when booking on nationalcar.com.
    • Use Contract ID Number 7014883 when booking on alamo.com.
  • Entertainment Discounts
    • 15% off admission to Cirque du Soleil shows touring Canada.
    • 20% off resident shows in Las Vegas.
  • Extra Miles With AIR MILES Partners
    • Show your Collector Card at AIR MILES partners to receive additional AIR MILES.
  • Insurance & Protections
    • Extended Warranty
    • Purchase Protection

Sign Up Bonus (SUB)

The standard sign up bonus for the BMO AIR MILES Mastercard is 500 miles after your first purchase which is equal to an easy $50. Promotional bonuses ranging from 800 to 1,000 AIR MILES have also been offered for this card.

Fees

Annual Fee

The BMO AIR MILES Mastercard has a $0 annual fee. This means that you will always come out ahead when running spend through the card and you will not have to worry about spending a certain amount to make the card worth keeping.

Authorized User Fee

There's no fee to add authorized users to the BMO AIR MILES Mastercard. This means you can earn additional users to help earn AIR MILES faster.

Foreign Transaction Fee

BMO AIR MILES Mastercard holders will be charged for the conversion to Canadian Dollars based on Mastercard International on the date the transaction is posted to your account plus 2.50% for purchases.

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.
Compare A Card
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Family Cards
These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
$0
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.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
$0
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.
$0
Total Return
The percent you are earning per dollar spent on this card.

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