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Edit Spend
Enter how much spend you plan on running through the card(s).
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Edit Bonus
This bonus is automatic and cannot be edited.
Add/Remove Loyalty Programs
Factor in elite status with your spending. Categories associated with the program will be added to the calculator.
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.
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.
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.
Rewards Calculator
You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.
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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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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Change Options
Currency Worth
The currency the card earns and any other currencies on this side of the calculator. If the currency can be transferred to other programs, you can use 'View Rewards As...' to reflect as if you transferred it to a partner.
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Loyalty & Memberships
Hotel elite status, loyalty programs, and memberships.
Reward Bonuses
Sign up bonuses, category bonuses, and bonus bonuses.
Monetary Bonuses
Cash perks and bonuses associated with the selected card(s).
Annual Fees
Annual fee and authorized user fee (if applicable) details.
Annual Fee:
$
Auth Fee:
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$0
Change Options
Currency Worth
The currency the card earns and any other currencies on this side of the calculator. If the currency can be transferred to other programs, you can use 'View Rewards As...' to reflect as if you transferred it to a partner.
$
Loyalty & Memberships
Hotel elite status, loyalty programs, and memberships.
Reward Bonuses
Sign up bonuses, category bonuses, and bonus bonuses.
Monetary Bonuses
Cash perks and bonuses associated with the selected card(s).
Annual Fees
Annual fee and authorized user fee (if applicable) details.
Annual Fee:
$
Auth Fee:
#
$0
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Categories
Order
Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Category Added
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/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
$0
$0
Rakuten Rewards
Earn additional cash back when booking travel and shopping online using Rakuten. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!
You can also help support this site by signing up for Rakuten Rewards. Rakuten allows you to earn additional cash back when making purchases online. You can also earn some bonus cash back on your first purchases when you sign up.
